A household balance sheets, basic information on the family of the main members of the state: * are required.
1, master of the house of information (more than 4 people if the number of members, please fill out the form to their own copy)
* Name
Wang Pengpeng
* Male * Age Sex
30
* Professional
staff
* Bachelor degree
* where the provinces of Jiangsu Province
* EMAIL
retirement health plan members
1
*
relationship with the owner of the house wife sex
* Female * Age
30
* Professional
staff
* College degree
health
2
* and family members between the main sub-
Male * Age * Sex
4 < br> * no * professional qualifications
health
no
3
* and family members of the primary relationship
* Gender
* Age
* Professional
* health education
Second, the family balance sheet liabilities
assets and deposits of cash credit card loans
10000
0
investment of financial assets Total
120000
non-housing consumption loans, car class of non-financial assets other liabilities balance
property
500000
mobile mortgage
180000
car car loan
three years after-tax family income and expenditure account
expenditure
100000
my income housing expenses
18000
member 1 Revenue
20000
daily living expenses
20000
members of the 2 income
0
transport costs
1500
members of the 3 income
medical expenses
3000 < br> entertainment expenses
1000
other family income
communication costs
2000
other
Total
120000
Total
45500
four home insurance I participate in the social security position
(Please select urban social security / rural health / one old and one small fee period, the annual premium)
commercial insurance coverage without
families (including individual purchase / company group insurance insurance, please indicate the insurance company name, product name, the insured amount, payment period, the annual payment protection fees)
family financial goals without
:
Please indicate your financial purposes, such as large education grant for children, the elderly began to support the time, the expected maintenance costs, time, household debt repayment expected etc. (Please indicate roughly the year and is expected to need money to approximate costs). Consulting the type of insurance (life / health / accident / or contact the family pension insurance, personal insurance plan). Also, please indicate your other ideas.
house loans to 18 million, has also had 4 years in preparation for this year to pay off the mortgage; the stock market and the Fund has invested more than ten million, the current loss of 20%; child to kindergarten next year, parents without retirement pay, I hope next year Start a regular basis to the maintenance fee of million, hopes to change in five years, a big house; so near ready to buy their own copies of commercial insurance, accidents tend to add the kind of major diseases, please feel free to enlighten me master, thank you!
According to Wang family situation: The total family income of 1.2 billion, the annual expenditure of 45,500 yuan, and 10,000 yuan per year pension to the parents, on the balance of 64,500 yuan, taking customers to change the next 5 years housing, the stock market and the Fund's total investment of 120,000, 20% of the losses, the balance will increase each year an additional amount of equity fund investment ratio,,
Mr. Wang is the family breadwinner, is facing two major risks of accidents and severe illness in life, the young Mr. Wang is currently a relatively small risk of disease to his design 20 million in ill health for 30 years pay lower premiums, increase the risk of accidents 50 million, such as accident death Peifu 70 million, 7 times the income of his household debt completely guarantee the repayment of the mortgage, the balance of 64,500 yuan per year, while the premium 8137 yuan, accounting for 13% of the balance, while the balance 87% equity and fund additional investment to increase revenue to improve housing conditions
future life changing, face accidents, illness, old age and many other issues, led to family financial security and quality of life from time to time by the threats. With professional services and innovative product solutions, our commitment to help protect your account and solid 』『 home for you and your family to create a worry-free Pacific storms home and enjoying high quality of life!
5 major security < br> The security plan to provide critical illness insurance, life insurance love, death protection, security and total disability payments birthday five layers of protection. Five Blessings, guardian of peace homes!
35 种 insured critical illness care
agreement of the 35 people suffering from major diseases, the amount we pay by the insurance critical illness insurance. the funds in place in time, really alleviate the economic pressure, reduce the family burden!
2 bonus
main risk weight for the increase in dividend payment Dividend amount: Cumulative annual dividends, the basic insurance amount increase every year; the end of the end of dividends also harvest more surprises. Paul added Paul!
100-year-old major diseases
m loving life insurance, life care insurance, Death Benefit, total disability protection heavy security, with your life, when there is a birthday of 100 years of gold, happiness, blessed!
major diseases, including 25 species of major diseases, the industry standard, and we increased the 10 major diseases ( 26-35). If the insured person suffering death or diagnosis of the initial contract when the major diseases under the age of 4 years of age (pro rata payment), the insured amount shall be agreed upon related to the implementation of the contract.
1. malignancies
mm does not include some early cancer
2. acute myocardial infarction
3.
mm stroke sequelae of permanent impairment
4. major organ transplantation or hematopoietic stem cell transplantation mm allogeneic transplant should
5. artery bypass surgery (also called coronary artery bypass grafting)
mm required thoracotomy
6. end-stage renal disease (also known as chronic renal failure and uremia)
mm required dialysis or kidney transplantation
7. multiple limb deficiencies
mm complete break away from the
8. acute or subacute severe hepatitis
9. benign brain tumor
mm craniotomy or radiation therapy to be
10. decompensation of chronic liver failure of
mm does not include alcohol or drug abuse due to
11. encephalitis or meningitis sequelae of a permanent functional sequelae mm barriers
12. deep coma
mm does not include alcohol or drug abuse due to
13. deaf
mm permanent irreversible, before year-old claims
14.
blind mm permanent irreversible, before year-old claims
15. standstill
mm permanent total
16.
mm heart valve surgery to be open heart surgery
17. severe Alzheimer's disease live independently mm ability to complete loss of
18. serious permanent brain damage mm
dysfunction
19. severe Parkinson's disease
mm complete loss of independent living skills
20. severe burns
III mm surface area of at least 20%
21. severe primary pulmonary hypertension with heart failure mm performance
22. severe motor neuron disease independent living skills mm completely lost
23, the loss of language skills
mm completely lost and after active treatment for at least 12 months before year-old claims
24. severe aplastic anemia
25. thoracic aortic surgery
mm or open surgery to be
26 . severe multiple sclerosis
27. because of HIV infection due to professional relationship
28. severe chronic respiratory failure
29. serious coronary heart disease
30. poliomyelitis < br> 31. generalized myasthenia gravis
32. severe cardiomyopathy
33. severe Crohn's disease
(Crohnrs disease)
34. severe ulcerative colitis
35. vegetative state state
you need in the next 30 years, annual investment: 6340 yuan, easy to enjoy the following guarantees.
specific description of the insured amount
insurance period
35 kinds of serious major diseases sickness insurance payments, paid in full by the time after diagnosis
20 million + bonus
to 100 years of age (the sum insured for up dividends year after year)
life care life care for end-stage disease, gold, after diagnosis by one-time full payment
20 million + bonus
personal protection
total disability or death security payments
20 million + bonus
full payment of benefits
20 million + birthday increase the amount of dividend + bonus
100 years of the end of description of the benefit expiry
1 severe illness insurance
90 day waiting period, the initial risk of 35 major diseases, confirmed that the full payment upon disease for at least 20 thousand life-care insurance
2 gold
90 day waiting period, the initial risk of end-stage disease (disease has no cure to ease the current medical technology, and the survival of not more than six months) Upon full payment is confirmed at least 20 million lives love gold.
3 personal security payments, total disability or death
protection, a minimum of 20 million yuan, increasing year by year.
4 full of gold
birthday Contract, 100 years of age, the availability of 20 million gold birthday (in mid-range bonus demo).
5
annual dividend distribution of surplus to be allocated at least 70% of customers do not need to increase medical insurance coverage, calmly deal with the rising cost of various types of risk.
6 Policy for cash loans
If you urgently, you can apply for policy loans, loans provided by the company during the period still enjoy the incremental benefits and protect the interests of the dividend.
Mr. Wang Pengpeng annual health of their vote in 6340 yuan severe illness for 20 years a total of 126,800 yuan investment
health accounts: the amount of 218,714 yuan of 40-year-old Paul, 50-year-old insured amount of 276,198 yuan of 60-year-old Paul Paul 370,109 yuan file 70 years the amount of 501,417 yuan of 90-year-old insurance coverage 936,333 yuan of 100, the amount of 1,282,477 yuan old Paul Red 2. health insurance: 1797 yuan annual premium
accidental death, burns and disability insurance: Disability caused by accident or burns, or death, will rank for damages, the maximum amount of insurance Peifu 50 million compensation for medical expenses
accidents: accidental injury which require hospitalization, and will receive compensation for actual medical expenses, compensation for a maximum of 10,000 yuan, not discount, the number of year Open.
hospital reimbursement: 20,000 yuan, the Insured person has to obtain compensation through the social security, we pay:
(n Social Security claims hospital charges the actual amount) t90%;
If the assured fails obtain compensation through the social security we pay: 20,000 yuan, the actual hospital charges deducted 500t70%
hospitalization subsidies: the number of days lost by hospital payment 3 days, 75 yuan / day (maximum allowance of 180 days a year)
Wang President: increasing the amount of dividend double-Flow Heavy illness insurance to (Participating) 200 000 6340 yuan premium pay hospital charges for 30 years
2 million grant additional 75 yuan / day pay a 677 yuan premium on
General Accident 500,000 1,000 pay a premium add-on
accident medical premiums 10,000 120 Total pay a premium of 8,137 yuan
insurance costs 8137 yuan per year, save for 30 years are sick and hospitalization accident medical protection
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