Example of commercial insurance planning
Chen Hao, an honest Anhui native, is 29 years old. Working in a public institution, with an annual income of 70 thousand, there are "five insurances and one gold" His wife is two years younger than him. She is a fellow villager. She works in a private enterprise with an annual income of about 40 thousand. She only has "five insurances" and no provident fund.
Three years ago, the couple bought a 90-square-meter property through mortgage, and still owed 300,000 yuan in mortgage, with a monthly payment of more than 2,000 yuan. In terms of assets, the bank has 50,000 yuan in fixed term and current demand, and 300 yuan, an equity fund, has been making fixed investment every month for more than a year. The couple spend more than 2,000 yuan a month, most of which are spent on pregnancy preparation. After three years of marriage, the couple have never been pregnant with a baby, hoping to be pregnant this year. In addition, both parents have retirement wages, and the annual holiday expenses of the elderly on both sides total 654.38 million yuan.
Insurance demand
Since neither husband nor wife has purchased any commercial insurance, they hope to be guaranteed in terms of serious illness. In addition, considering that there is a mortgage at home, I hope insurance can cover this part of the risk. Due to limited funds, Chen Hao hopes that the annual premium will not exceed 5,000 yuan. After all, if she is pregnant this year, the cost may have to increase.
Insurance planning
Chen Hao and his wife's two families are typical small families, which are in the stage of pregnancy preparation. The debt risk gap is 300,000 yuan. Although both sides have "five insurances and one gold", they only solve basic daily medical problems. If you encounter a major medical or unexpected impact, you can't resist it, because the deposit and the fixed investment of the fund add up to 60,000, but after a serious illness, it may cost about 300,000.
Social security can't solve the problem of self-funded drugs, and it will also have an irreversible impact on individuals' ability to make money continuously. In the proportion of husband and wife's income, we can find that Chen Haozhan is relatively high, so insurance planning is also the focus of planning. As a risk leverage tool, insurance is to solve the economic losses when family members have problems, so the insured amount is directly related to income.
The relationship between the income and the insured amount is generally 1: 10, so the insured amount in Chen Hao should be 700,000 yuan, plus the debt risk of 300,000 yuan, which is 6,543,800 yuan. The wife's insurance amount should be 400,000, plus 300,000 debt risk, which is 700,000. Of course, with the repayment of debts, the insured amount can be reduced, but if the income increases or the purchase of a new house or the arrival of a baby increases the risk, the insured amount will also increase accordingly.
Choice of consumption-oriented critical illness insurance
Consumer critical illness insurance refers to the liability insurance of critical illness insurance that does not have the function of cash return and only pays after the occurrence of major diseases agreed in the contract. The advantage is that its insurance cost is relatively low, and ordinary wage earners can afford it. Compared with the return of major diseases, the audience is wider and the money paid is less, but the protection of major diseases is the same, which is more affordable for ordinary people.
There are consumer-oriented insurance companies in critical illness insurance. Because it is a consumer type, it is not returned, and the insurance premium is relatively cheap. Under the age of 30, the guarantee amount is 654.38 million yuan, and the annual premium is about 700 yuan. The specific premium is related to the age and gender at the time of insurance.
If you invest in consumer critical illness insurance, you can choose to pay the same traditional life insurance every year. Not all insurance rates will change with age.
Regular consumption of critical illness insurance is an ideal choice for young people who need high security. However, with the increase of age, the payment of this kind of insurance will increase rapidly. After the age of 60 or 70, there will be no serious illness protection.
Commercial insurance planning can be passed
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