November 3rd, 2009 
youhan
Recommended Client: Zhang is director of the entire 35-year-old deputy director of a yard in the 7000 monthly income of about quick money, the annual income 8 million per, his wife, clerk, monthly income of 2,000 yuan, the annual income of about 20000, total household income is 10 million or more, two are social security, but no commercial insurance, both parents are still alive, in addition to a multi-point two-year-old child, due to the recent director Zhang deeply felt the pressure of living. In order to solve their own worries, personally find the Xinhua insurance, financial planning division Zhang Na, hoping planners give a detailed family insurance plan.
Xinhua Insurance Financial Planners Zhang Na: First of all, let's not consider buying from a long-term consideration Whose products, only from director Zhang's needs, before it, taking into account Zhang is currently director of the family growth stage, as well as 4 months old a child, economic pressure would certainly be very large, although there are social security, but can only play the role of basic security, therefore, first of all the proposed husband and wife would let people who have the ability to make money to buy insurance, that is, first consider the couples insured. Focus on the protection of accident, illness, medical, pension, etc., combined with the original social security in order to obtain a more comprehensive protection. Insurance experts recommend you can buy a heavy emphasis on illness insurance, accident insurance, death protection insurance, followed by pension investment risk of the category.
Second, insurance for the children, the children of uncertainties over future growth, including medical, sickness, disease, and other aspects. At present the insurance market, several insurance basically can be divided into three categories: accidental injury insurance, health insurance medical insurance and education savings. Children's self-control ability is poor, lively, high probability of occurrence Italy. Thus, accidental injury insurance are essential. Such insurance is generally consumer-type, only a few hundred yuan a year. At the same time, consider buying health insurance coverage to families to prevent the major diseases caused by a heavy financial burden. The younger the insured risk of major diseases insurance premiums more expensive. Education Savings insurance is mainly to solve the future of their children to school or study abroad tuition. To purchase insurance in the form of financing of education costs for their children, similar to a mandatory savings, add up, the children grow up will receive a substantial education grant.
For the last parental insurance, insurance, financial planner Zhang Na Xinhua that the insurance for the elderly and to young people to buy insurance, not the same, when you have to master the election the following tips: First of all, the elderly suffered higher than the probability of accidental injury other age groups, therefore accidental injury insurance, the elderly should be the preferred species as the insured. And the elderly before the age of 65 to purchase accident insurance, the premiums do not need to pay more to protect the same number. Second, the examination or the purchase of hospital medical insurance comprehensive health insurance. Old people are likely to increase after the sick, to buy a health insurance becomes very important. However, due to insurance general rule is that the same kind of insurance, the more young people the less the premium paid, the amount is relatively higher, while the older people, the more the premium paid, the amount is relatively lower. Some of the insurance because the insured of age is too large, there will be insurance premiums and the amount of "inversion" phenomenon, that is, the premium paid may exceed the insured amount, in particular the risk of major diseases. The combination of these circumstances, for most elderly, the disease risk is not worth the re-insurance, the purchase of hospital medical insurance or comprehensive medical insurance more appropriate.
Final recommendations, old-age child care is a major event in life, but also an important point of family harmony, it is the individual's insurance plan is also an important watershed. Rational plan of insurance will not only allow family members to have a comprehensive safeguards, but will also become its capability to run the economy, if my manager can consider the above, I would certainly ensure that they can worry about their work, no worries, here are Zhang was hospitalized at the same time the current can be smoothly while up their insurance products. After half a lifetime to buy for their own previous adequate insurance.
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