Middle Class Families Start The Battle Of Insurance And Financial Management

The acting personage, Ms. Guo, is 32 years old, working in Financial Street, earning 30 thousand yuan per month. Sale The monthly salary is 20 thousand yuan. A woman was arrested at the end of last year and has just completed her maternity leave. The income of both husband and wife is stable and the unit welfare is good. Reminded by colleagues, we should consider increasing household security and education reserves. There is a bank deposit of 200 thousand yuan, nothing else. Investment No debt.

Financial Manager Analysis: I like this kind of customers, young and energetic, career growth, family growth, just started the parents began planning the future. As a matter of fact, they are particularly willing to accept new ideas. For example, they are ready to invest 200 thousand yuan to make investments, feel that they are young and earn high, and everything is fine. What is risk? There is no concept. Just after Yushu experienced an earthquake, we talked about why the global earthquake is only caused by heavy casualties in China. How to protect human and economic property is more secure. The risk is uncertain, where friends are dying early, leaving millions of debts and young children, and the responsibility is not yet fulfilled. How should we face it? If we have prepared for the rainy days ahead of time, we should prepare ahead and reduce the losses, why should we put the family in the fire and water? It is wiser to wait for the risk to happen or to manage the risk in a definite way in the early stage. Some of the family assets can take risks, such as investment. Game market risks can bring corresponding benefits, but some assets are not risk-taking, such as rigid demand for health care, education and pension. Because these costs will be used in life, and must be funded when used. Since you can't take risks, you will make plans with insurance to ensure safety. The client listened very carefully and was also very touched. In medical treatment, especially serious diseases can not be accepted, and the emphasis is on the students. In fact, the cost of a serious disease is at least 300 thousand yuan in the actual medical expenses. Two couples nodded.

Next I care about my daughter's education. Education also needs a special account to plan. Education money is usually based on savings and dividends. When the children went to college, Bibi returned from 18-21 years old to support their studies. Among them, the major diseases and hospitalization expenses were attached to children, and more importantly, the exemption from the insured was added. I think this reflects the essence of insurance: once the insured is exposed to risks, Insurance The company eliminates all outstanding premiums while the child's security interests remain unchanged. At the University, the insurance company will promise Bibi according to the contract. As parents, this is the most gratifying thing, not to delay children because of their own, to protect their responsibility to bring up their children. After listening to this, the customer did not hesitate to choose the education fund because he felt that such a guarantee could not be provided by any financial institution.

This customer's income is high but not fixed. This may be the worry of many white-collar workers nowadays, worried that the future can not maintain a better life. So, from now on, use 30 years old to do some work for yourself after 20: save every month for 15 consecutive years. After retirement, you can get 5000 yuan a month in addition to the bonus. It is guaranteed to receive 20 years, and all premiums can be recovered in the year of retirement. After that, you can enjoy 60 thousand yuan a year plus bonus.

Customers are very glad that their finances have finally been properly allocated. They have both increased security and long-term plans, and are responsible for each other.

What is more satisfying to customers is that the author has chosen several insurance companies for them, because each company has superior products, and as an agent, it is more responsible to help customers select a more suitable combination so as to maximize the benefits. {page_break}

The final plan is as follows:

Mr. Zhang: the insured amount of accident insurance is 1 million yuan in Zurich millions of lives (not only ordinary accident injuries and medical treatment, but also two couples' accident protection 500 thousand yuan, 500 thousand yuan burn) and another international SOS rescue service.

The major illness insurance is 300 thousand yuan, and Zhongyi life has 300 thousand yuan in life and 300 thousand yuan in major diseases.

Daughter: Education gold, Golden Lotus smile education gold 18-21 years old can receive 75 thousand yuan, 80 thousand yuan, 100 thousand yuan, 160 thousand yuan education gold, and another 150 thousand yuan bonus, at the same time, there are serious illness 100 thousand yuan, medical expenses and the exemption clause of the insured.

Accident medical insurance insurance card insured 50 thousand yuan.

Lady: the insurance card for Kunlun company and PICC is insured by 200 thousand yuan.

The pension account chooses the bright life of Sino Dutch life. After the age of 55, it receives 5000 yuan a month.

The total premiums of the family amount to 70 thousand yuan and the annual household income is 600 thousand yuan. The plan is being considered.