一日之計在於晨,一年之計在於春,一生之計在於"初"? (下)

Estimated reading time 2 minutes
20 Feb 2018
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

20 Feb 2018

Estimated reading time 2 minutes



文:  岑妙珠  

上次提及要分析需要及計算好保障缺口,那下來又要留意什麽呢?


第三步: 保險購買優先順序

對於高風險,自我承擔能力弱,主要通過預防、迴避和“保險”轉移來減少其發生後的損失。

意外導致殘疾,而殘疾後不僅收入減少,還需額外的護理費和生活費,很多客户都疏忽了。另外值得注意的一點,很多險種是危疾保險和身故共用保額,危疾保險理賠後壽險責任就終止了,家庭財務收入因身故便無法得到經濟補償。相信大部分人同意基本醫療保險是必需,如果預算有限,可購買定期消費險;等經濟條件好轉再逐步考慮終身保障和退休問題。


第四步: 合理保費支出

經濟條件不寬裕條件下,年保費控制在收入的10%內最佳,這個時期以投資自己,提高收入為財務規劃重點。


第五步: 投保後注意事項

告訴家人自己購買的保險,並將自己的保險保單/合同放在家人清楚的地方。職業和住址變更後及時做保險資訊的更改,有些職業變更會影響保險理賠。還有按時繳費,以免保單失效。當然,人生階段有所改變,就要檢視新的缺口。


但真實世界是....

以上五步曲是相當理論化,現實中,保障產品往往有"瑕疵"(完美就是天價),比如年齡越大越貴,保費增幅高於通漲,身體狀況改變影响受保,甚至產品的保障期限等,所以只可以在理論與現實中取平衡


祝各位出入平安,萬事如意!

Question: 一日之計在於晨,一年之計在於春,一生之計在於"初"? (下)
岑妙珠
Even, Shum Miu Chu
恆泰 高級理財顧問
Answer:

客户有基本概念自己的需要,就不怕中介人的硬銷。理論與市場產品始终要取平衡,同有經驗的財策師商量,會幫助你作出合適選擇。


本人為認可財務策劃師 並擁有五年以上經驗,歡迎加我為顧問。

Responses from the advisors do not represent 10Life. 10Life will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/ or losses caused thereby.

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
7 ILAS Plans Compared in 12 Different Scenarios
16 Nov 2021
ILAS
blog cover image
How would your medical history affect life insurance underwriting?
15 Nov 2021
Term Life Insurance
blog cover image
Not only Full Coverage? Exploring the superior features of High End Medical (Updated Oct 2021) (Chinese Article)
12 Nov 2021
High-end Medical
Whole Life Savings Insurance Comparison: Coverage Could Differ By More Than 60% | 10Life
Whole Life Savings Insurance Comparison: Coverage Could Differ By More Than 60%
05 Nov 2021
Confirm to leave?
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Find Advisors
Over one thousand advisors provide you with insurance advice
Please sign up or login. No contact information needed, instant search advisors!