17 cases of small-middle-income urban family of three
Insurance (combination) Recommended:
Triangle periodic severe illness, Mr. m (consumer) + additional accidental injury (consumer) + accidental medical insurance (consumer)
Triangle radiant wife m (Participating) + additional accidental injury (consumer) + additional accidental medical care (consumer)
well-being of the baby angel m + Triangle + additional disease re-hospitalization
family Analysis: According to Analysis of their families, they now have a happy little family, a stable income. husband and wife as a pillar of the family, although the disease has run heavy risks, but the insured amount is too low, and now more and more catastrophic medical expenses, so the need to add critical illness insurance the insured amount; the same time both at work, although there are medical, but last year the state: the way to work unexpected, does not belong to injury, so the need to add accidental injury and accident medical insurance.
years income of 84000 in the home insurance package:
couple under and communication, Union Life's life insurance consultants to design a analyze the course of planning:
1. Budget Analysis: Chen 54,000 annual income, Mrs. Chang 3 million annual income, excluding real estate and bank deposits, the annual income of 84,000 yuan. together with than income in addition to basic Other income, according to the principle of distribution within 20%, the budget package at 1.9 million. because the couple had just re-run after a life-long disease risk Corning: Total annual pay 2680 yuan, so the packages can reach the total project budget per year: 19,000 yuan -2680 yuan = 16,320 yuan.
2. Protection Plan:
(1) He is 27 years old, the very fact 32-year-old, baby 2 months, under the protect the principle of priority, Mr. Chen was designed: 15 million, the patron saint of periodic severe illness insurance (insurance to 70 years) plus additional accidental injury + .20 additional years of combined payment of medical accidents, the annual pay 3424 yuan (2) The very fact that requirements for retirement 45 years old, designed the 30,000 for her radiant insured products, as a supplementary pension, additional accidental injury + accident medical, total annual premiums to pay 6698 yuan, to pay for 20 years.
(3) designed for the baby a full protection of the product - well-being of the angels: 20 years pay, annual pay 5,000 yuan.
Here we look at each person's program:
1. He is the protection scheme:
modern society, medicine developed, the sick is not terrible, there is a fear of serious illness can not afford medical expenses, as well as the risk of accidents, so give him the design of a low pay to protect high product mix, as well as the whole Waiver of Premium feature disabled.
Name
the basic amount of insurance coverage
(disease waiting period of 180 days)
patron saint of first year premium (periodic severe illness)
150000 元 32 major diseases, protect 150000-70 years of age, the owner thereof termination
2970 million (20 years to pay)
200000 元
accidental injury due to accident or physical disability Therefore, pay 20 million, the owner thereof attached to the contract termination.
280 yuan (20 years to pay)
accident medical
20000 元
by accident more than 100 outpatient or hospitalization, according to 100% reimbursement each year 2 million.
174 yuan (20 AC)
total first year premium:
3424 yuan (20 years to pay)
3. wife's protection scheme:
Chen 45-year-old ready to retire, pension plan. as a supplementary pension in their old age life, for her design of the Triangle radiant annuity additional accidental injury and accident care. not only to make old age worry Enron added Accident.
Product Name
basic insurance amount
coverage (180-day waiting period, disease)
first year premium
Triangle radiant Annuity Insurance (Participating) (protection period to 90 years of age )
30000 元 1.65 years ago (not included) to receive 1,500 yuan each year survival after payment ,65-89 years of age (inclusive) receive 5,400 yuan per year supplementary pension ,65-85 years of age (inclusive), every 5 years Addition of 3,000 golden birthday, 90 years of age to receive 60,000 yuan full of gold, a total of 258,000 yuan was fixed at the maximum; 2, the survival if not receiving payment, enjoy the live gold accumulated interest, on-demand at any time apply; by 3% annualized rate, Cumulative survival of golden age for the 89,516 yuan to 65, accumulated to 90 years of age is 1,489,772 yuan,; 3, to enjoy the dividends, dividends can choose to receive cumulative interest-bearing manner, arrived to pay insurance premiums, increase the amount to settle; live to 65 years of accumulated dividends low medium and high grade were 11874-47490-83108 element; dividend to 90 years of age the cumulative interest-bearing, low medium and high grade were 34782-139121-243460 yuan; 4, the maximum amount of death protection for the 160,680 yuan, 65 years ago (not included) for the the insured amount plus accumulated premiums, after 65 years of age (inclusive) to ensure the recipients of supplementary pension for 20 years; 5, total disability insured to waive the contract after the Patron of the premiums.
6534 yuan (20 years AC)
accident
50000 元
disability or death due to accident, payment 50000, the owner thereof attached to the contract termination.
70 million (20 years to pay)
accident medical < br> 10000 元
by accident more than 100 outpatient or hospitalization, according to 100% reimbursement, an annual 1 million.
94 million (20 years to pay)
3. your baby's protection scheme:
Children are the future of every parent, every parents want their child to receive a good education, safe life, a healthy growth, so the baby has designed a full protection of the products, namely: health, illness, education, gold, marriage payments, pensions, as one of the well-being of the protection scheme m angel.
0-year-old baby, the annual 5,000 yuan deposit, deposit for 18 years, and slowly into the 90,000
Name
Benefits protect the interests of the well-being of the angels Additional Description
additional patient well-being of severe illness medical claims
provide medical
5,000 each, twice a year, a total of 1 million the amount of in-patient medical claims, 80% reimbursement, reimbursement regardless of the grade, regardless of the project limits, and guaranteed renewal to 18 years, the cumulative maximum amount of reimbursement of medical expenses is 5 million.
health protection
18-year-old former owner of 24 major diseases peculiar to protect children 5 million after 18 years of direct ownership of 31 major diseases specific to 5 million adults, automatic conversion to customers up to a lifetime commitment to protect 55 species of major diseases, lifelong health care, pre-paid claims, claims not difficult; the same time can enjoy the 5 million flexible and adjustable value of life protection; also enjoy free health care institutions with leading experts face to face or telephone consultation services.
worry
18-21 years of education each year university education to receive gold, 1 million (the number according to their own the need to draw in the account), receiving a total of 4 million, to ensure worry-free education.
pension worries (millionaire baby)
60 years of age to receive 12,000 yuan per year, receiving 10 years, 12 million; policy value at the age of 70 there are 773 800 -165.93 million; policy value at age 80 there are 1,248,500 yuan -295.91 million discretionary, to achieve the dream of millions of lives
contract takes effect 180 Death Benefit days after the death of the Insured, we will be in accordance with the deceased at the time the value of personal accounts and the basic insurance amount of insurance death benefits, the owner thereof to terminate the contract.
risk warning:
1, more than three copies of security program is only as a reference, the specific content of insurance contracts and rates with the subject;
2, dividends are uncertain, the company participating business on an annual basis to determine the actual operation of the distribution of dividends;
cumulative survival rate of gold is uncertain, the company each year on January 1 and July 1 will be released at the cumulative rate of survival of gold, January 1, 2010 released on payment of the cumulative survival rate 3.2%.
3, the demonstration of interest in low, medium, high settlement rates were assumed to be 2.5%, 4.5%, 6%.
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