⒍? Why not change the burden? Lemon chlorine in spring? I'm sorry, Xianxia. Forgive me? Li Tai: This is not because the national policy is good and the party leadership is good. Xiao Zhang: Of course, your husband's ability and wisdom. In this way, let's determine the specific financial goals. Your monthly living expenses are 30,000, which is 360,000 a year. Plus seeing a doctor, honoring the elderly, and going to school for my son, in the next 10 or 20 years, the average annual demand will be 800,000. According to this standard, you will spend at least 24 million in the 30 years after retirement. Li Tai: It really needs so much. Xiao Zhang: I just said static planning, and I haven't considered the price increase factor. If calculated by 3%, the funds you need to prepare should be around 50 million. Li Tai: I don't know, but it's a big deal. Xiao Zhang: Yes, have you made any financial preparations for this? Can you guarantee that you can maintain your current living standard even if your husband has no financial resources? Li Tai: We are really not ready for this. We just have a cash reserve of1800,000, which is always in case of emergency. Xiao Zhang: Without detailed planning, the quality of life will not be guaranteed for a long time. I think you need to make a long-term financial planning plan. Li Tai: I really need it. I heard from Lao Li that you would recommend an insurance policy to us. Xiao Zhang: We have a lot of insurance. It depends on your financial goals. After hearing so much from you today, I have a general idea. Let me explain it to you with the asset preservation and financial management tool "Li Hongnian". The key to your financial management is to keep the country laid by Lao Li. Because you have a high quality of life and need a lot of money to maintain it, you must prepare enough cash. Lao Li is 49 years old and can work for at least 10 years, so you must achieve your financial management goal in the next 10 year-to ensure that you have at least 800,000 cash every year from the age of 60. Of course, if we only consider the living expenses at home, 400 thousand a year is almost the same. This 400,000 yuan is the bottom line for defending the country, and we must keep it anyway. After 30 years, there will be120,000, and if it is planned dynamically, there will be 24 million. From now on, within 10 years, your annual savings expenditure should be 2.4 million yuan. If you put 2.4 million yuan into Li Hong year after year, what can you bring? Take you as the insured, you are 43 years old. After investing 2.4 million yuan every year, people aged 43 to 54 can receive 210.6 million yuan in cash every year, which can meet 60% of the current living expenses. From the age of 55 to 79, he receives 650,000 cash every year, which basically meets the dynamic planning needs of the elderly; Of course, if you don't receive cash, you can automatically compound interest; At the age of 80, you can receive 144438+06 million in cash and an extra financial bonus at one time, which can ensure that you will continue to enjoy the life and dignity of a multi-millionaire in your later years. Let's make a general inventory. At the age of 80, the total accumulated income (considering the survival accumulation factor) and accumulated bonus (considering the medium hypothesis) reached 56 million, more than double the 24 million you invested. But this is not the most important thing. I recommend you to choose Li Hong year after year for three important reasons. First, keep your wealth. If you choose other financial tools, the income will be lower, such as bank deposits or national debt, or the future interests will be uncertain, such as the fluctuation of stocks and funds. Only "Li Hong year after year" can lock in the interests. Until you are 80 years old from now, you will never be affected by economic, financial and commercial factors. Second, I don't want to borrow it. One of the greatest benefits of managing money with Li Hong year after year is that no one can borrow money. Because cash has been converted into insurance assets, others borrow money from you, and you can't get the money. Therefore, the best way to protect the country and preserve the value of assets is to manage money with insurance. Third, it can be used at any time. If others can't borrow it or get it, we can take it at any time. You see, you can get 2 1.6 million a year. If you don't take it, it will automatically accumulate compound interest; From the age of 55, you can get 650 thousand a year. The planned collection has solved your future pension needs. In short, the "year after year" financial plan can keep the country laid by General Li and make you worry-free all your life. No one can shake your financial fundamentals. Of course, whether you can hold this piece and make you invincible forever depends entirely on your decision and that of General Li! Li Tai: I've made up my mind, and Lao Li should agree. Xiao Zhang: OK, then choose the nearest auspicious day and formally sign the financial management contract. I invite you and General Manager Li to our company to witness this important moment. Lee Tae: OK, you choose the date. Some people will say: this example is too scary. Where can I find such a high-end customer and pay millions every year? To tell you, tens of thousands and hundreds of thousands of payments are not new. China has 22% middle class. Some agents will say, "Isn't it just selling insurance? Why should we spare such a big bend and just say the product directly? " It's really pleasant to say it directly, but it's more pleasant to die. Turn around, it looks slower, but the success rate is high. Our goal is to make every customer enjoy the value of financial management and human dignity, develop a customer, sign the bill successfully, and be as effective as possible. The goal is 100% signing the bill. Instead of signing the bill with 100 customer, it is better to sign the bill with 100 customer. A large number of inefficient visits can only dampen the enthusiasm of agents and make them pessimistic about their career prospects.