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

10Life Team

20 Feb 2018
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10Life Team

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!

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.  

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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.
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211

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