VIEWS: 6 PAGES: 4 POSTED ON: 8/22/2010
To create a suitable insurance plan Family financial planning, insurance planning is a very important aspect, is the most basic part of the core. Why? Because in the family financial pyramid, the insurance is the foundation of the position, if unstable foundations, the superstructure can not be stable, if no insurance planning, family financial planning as houses built on quicksand, the possibility of dumping at any time. In real life, that financial management, most people first thought is not insurance, but the stock, a fund or buy a house, but only &quot;open source&quot; does not work, you must first plug the loopholes before storage, insurance protection function is the &quot;loopholes&quot;, which is any other financial tools are not unique features. Insurance obvious function of financial leverage, simply, is to protect a lot of money with little money, for example, when the plane took more than ten dollars to buy an air accident insurance, a judge can get several hundred thousand passengers for compensation. Core function of insurance is to protect, in addition, it also savings, investment, tax avoidance function. Savings function is common, such as social security in old-age insurance to fully reflect the characteristics of long-term savings insurance. Investment function, common with investment-linked insurance, indirect investment through insurance, stocks, funds, bonds and other equity investments. In addition, universal insurance and participating insurance also has some investment function. Avoidance function, currently used in China than less, because our country and have had no inheritance tax, but there are many rich people in foreign countries to buy insurance, insurance, tax avoidance is the fancy features. Family financial management in the insurance fully reflected in the above-mentioned functions, the insurance plan is very important, it can be said without the appropriate insurance plan, the role of insurance is likely compromised. Different families, for their insurance portfolios differ. Insurance plan has three levels, first of all, a family of four need to determine the function of insurance, or which make use of several features which, for this Yuanyihuafei Duo Shao Qian, Ji Zhu Yao&#39;s security needs and determine the end of the Bao Zhi Chu fee; Secondly, these requirements should be split into different family members of the body, which was to determine the insured and the insured; Finally, what is everyone to buy insurance, specifically, that determine the types of insurance and payment periods of time. In daily life, most insurance agents are ignored in the first level to determine the most critical needs areas, but direct marketing insurance, and then determine the sum insured under the insurance premium, the insured does not matter who the, anyway it was released on bail charges on it, resulting in very bad consequences. General economic conditions, if a family of three, a year can afford the premium, but 67 thousand dollars, more than age of the parents, only Social Security, nearly 30 years old only child, what kind of insurance do not, in fact most such families required the use of insurance protection function. First of all, his son and accident insurance coverage of medical insurance, but insurance agents directly to their marketed for a 6000 yuan of 投资 linked insurance, the insured Haishi father, Jie Guo Hai Zi was sick patient is not getting any compensation insurance,, home increasingly deteriorating economic conditions, continuous premiums unsustainable. Thus, the insurance to buy, must buy the perfect, the right insurance plan is very important. The insurance plan or a time-sensitive, it is not easy, but a dynamic adjustment process, each family&#39;s insurance plan should be with the family situation changes, such as buy a house, get married, have children, or occupation, family income, health conditions change, while the original plan to make corresponding adjustments to add, such as reduced paid to increase the amount of such insurance. The first level: to determine the cost of home insurance, utility and Understanding insurance, the four functions, each family will need to be analyzed according to their situation: is the need to protect the function of the balance between protection and savings, or in addition to these two functions, the need to do some investment. For ordinary people, the first thing to understand what the insurance can do, and then consider the most in need of insurance for themselves what it is. Doing the insurance plan, I will emphasize security function, because this is the core part of the insurance. Recommended all my friends in particular, the economic pillar of the family should first take full advantage of insurance protection features, well prepared for their own medical reserve fund, accident disability reserve, adequate pensions for the parents to prepare health care payments, prepare adequate support for children educational expenses, to save their homes by security, so that the insurance to help themselves in illness, disability, the behind can continue to reflect the responsibilities of family and commitment. In addition, compared with other financial instruments, insurance and savings features are an advantage. Annual or monthly premiums by direct bank transfer from the insurance company charged with some sort of mandatory, is paycheck to paycheck or who have no plans to pay pensions to prepare the preferred way. And savings banks are readily available are different, the insurance although it could be paid in advance, but the procedure on more than the bank, paid in advance before, many people would seriously consider. Although the look is not so easy, but if used for pensions, education grant preparation, you will find in fact that way more in line with the needs of family financial management. For example, parents prepare for their children education money, he may have several options, installment savings, through banks, can do the Fund will vote, but also education money can buy insurance, which have advantages and disadvantages in several ways. The advantage of the insurance program developed: When pay how much, due to how much money, they can all be planned in advance. The funds will vote on the existence of unknown risks, a period of time may lead to profits lose money. Installment savings, short duration, after the expiration of funds could easily be diverted to other uses. Through insurance, investment, protection and investment can often be both realized that we just need according to their risk tolerance and affordability, choice of investment-linked insurance, or universal, participating insurance. Universal, dividend investment income insurance is not high, but stable, and not a loss, and investment linked life insurance proceeds and the relationship between the stock market more closely, may have been volatile, but investors can also vote with insurance within adjustment of the ratio of different accounts to avoid investing in high-risk. In general, there is a sequence of insurance. First, some type of insurance protection, such as heavy illness insurance, accident insurance, life insurance is the primary consideration. When these needs met before it starts to consider retirement, education, insurance, and finally consider the investment function of insurance. After understanding the basic functions of insurance, insurance agents for us to go and full communication. In general, good insurance agent will take the initiative to introduce insurance knowledge and understanding of the basic circumstances of the family, provided the insurance needs of a general recommendation. Policyholders need to combine the economic conditions of the family to determine the annual premium payment, the payment generally control the household income expenditure of 10% to 20%. The second level: Insurance in the distribution among family members Specific insurance needs and affordability, the only relate to the insurance plan&#39;s second level, that is, to whom family members considered to buy, buy the types of insurance issues. If the most common family of three, we should analyze in this family who is breadwinner, who has no social security, who is the greatest risk of exposure, such as who is the worst physical condition, according to the scale of the family premium, decided everyone Buy or would let someone buy. If an ordinary-income families, limited annual premium expenses, the father is the main economic source of the family should buy heavy illness insurance, accident insurance and life insurance; mother should buy heavy illness insurance, accident insurance, life insurance has no need to buy separately; child if already has a &quot;one old and one small&quot; social security, you can temporarily &quot;abstention&quot;, and other economic conditions more comfortable, and give the child to buy heavy illness insurance, accident insurance, as well balances, consider education insurance; grandparents because of age or physical The reason to buy re-insurance and life insurance very limited disease or not cost-effective, and just bought accident insurance on it. Many people purchase insurance there are some errors, such as we all love children, so they would let their children buy insurance, followed by the adults, it is clear that this is wrong. Some people believe that Social Security has had no need to buy or purchase a small commercial insurance, which is the most common errors. As we all know, social security is the scope of reimbursement of medical expenses, there are limits, some at their own expense, over the ceiling requires full payment of their own, from this perspective, social security is not the whole tube, is simply part of the natural need to add commercial insurance. Also, some cases are the scope of social security deductible, such as medical expenses due to traffic accidents, a traffic accident case, or the responsible party to escape the situation without compensation capability, it can only rely on their own to bear these costs. In fact, a very cheap purchase accident medical insurance, you can substantially reduce the risks in this regard. There are all familiar with the social security unemployment insurance, to collect the amount is relatively small, mostly only a few hundred a month, 1000 to dollars. If a pillar of the family health illness or accident, the compensation when the family income can be achieved through commercial insurance. Therefore, from this perspective, many features of commercial insurance is not a substitute for social security, they should complement each other and jointly play a role. Identified the insured, then further define the insurance amount, in addition to the above-mentioned factors to be considered a specific analysis can be found in Articles in July 2007 article, &quot;Heavy illness insurance, how much is enough to buy&quot;, January 2008 article, &quot;General 3 home insurance plan. &quot; The third level: select insurance products and other factors to consider Market, insurance companies, insurance products is very large, the insured can not bring all the products of each insurance company are aware of it again, then take out a policy on how to choose? Many people buy insurance, will be compared to rates as the first factor, choose cheap or cost-effective products, in fact, this comparison is not much sense. Because everyone did not know when to escape from danger, whether in the purchase of insurance, cost-effective pre-estimate is meaningless. Second, every insurance company in the development of product prices, based on the basis of actuarial data, such as the Chinese people&#39;s life expectancy, the probability of different ages of onset, are uniform, the price only because of the level of the company&#39;s administrative expenses slightly difference. If you carefully compare also found that few premium products, insurance coverage may be relatively small, or when the amount of claims is relatively low. Therefore, purchase insurance products, the first thing to consider is that this product meets their needs, without having to rate the level of special care. As for the payment of choice, first of all as far as possible to take care of the sum insured and premium match, which was to determine the insured amount and annual premium pay after the push down payment period, payment of long points, it does not matter, until it can reflect the insurance leverage. If the expansion space of ability to pay large premiums can also choose to pay premiums before retirement End. More important is to choose insurance, you can consider a number of integrated factors such as the strength is strong, claims convenience, can remote claim, the policy can achieve national barrier migration, addition, the company should also examine the level of the previous dividend and the level of investment income, the longer the time period investigated whether the level of average earnings advantage so. When choosing an insurance agent, you can have more contact with some agents, from conversations with them to determine whether professional, reliable and so it. Tong Qiaoling Certified public accountants, certified tax agents, registered valuer, has worked at listed companies, accounting firms, the National Audit Office, is currently China&#39;s Ping financial planners.
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