Family: wife Sun was liberal lecturers, monthly income between $ 4,000 to $ 6,000. Is an engineer, monthly income of around $ 10,000. Family spends about $ 3,000 per month each year, children and their education costs $ 13,000 to expenditures. Total assets of more than 1.2 million families, of which 650,000 yuan deposits and Government bonds, Fund and stock of $ 50,000. They currently live value set of rooms more than 400,000 worth of old building in the city, was about to borrow money to buy a bigger house.
Insurance, health and accident insurance of Mr Michael Suen, the sum insured is $ 100,000; Sun wife\'s hospitalization, illness and accident insurance sum insured for $ 200,000. Not to children to buy health insurance and accident insurance, but to children education fund $ 14,000 certificates, marriage payments of $ 20,000. Pensions themselves after the age of 55 $ 2000/month, lifelong protection gold-$ 80,000, and so on. Recently, has been cooperating with Sun wife insurance agent said to her: \"\' life form \' will have to adjust, life insurance premium is the price\" hurry she was cheap to buy insurance for his family.
Financial planning
The couple are professionals who have specialized knowledge of a subject, future revenue will be profitable and stable. With respect to the existing rich assets, family burden is not heavy, purchase desire is also reasonable. Therefore, customer\'s actual ability to take risks, strong financial first perfect family risk protection, and then the gold assets and his children\'s education and their pensions.
1. Premiums not less, Xianzhong correctly. Insurance protection and financial-two categories. Prevention-risk guarantee insurance is indispensable for families, financial-insurance you should guarantee perfect before it can be considered. Although Sun wife families spent a lot of money to take out insurance, but at least is complete protection.
For a family, the biggest financial risk is the main creator of deceased of income, leading to survivors \' loss of economic resources to sustain a normal life. For Sun Jia, need to Sun as the insured, buy death insurance (including life insurance and health insurance, accident insurance death benefit in part), its amount should be equal to the survivors \' reasonable living, education, endowment spending even a number of years. Therefore, such a sum of money should be at least $ 500,000 of investment, currently he has some coverage of death only $ 100,000, increased, as appropriate.
2. \"Life tables\" modify and premium is not determined. Life tables also known as \"mortality form\" reflects the probability of survival probabilities of different ages, death and life expectancy. As life expectancy, if one element only mortality rates, life table modifications may indeed result Endowment life insurance prices, but also make death life insurance prices. But apart from mortality, life insurance products also depends on the price of insurance company investment income rates and cost rates to two major elements, as competition in the insurance industry and development, constant optimization of these two elements are more likely to lead to life insurance costs.
Therefore, from the \"life tables\" modify perspective, and does not determine the premiums of change in the future. Buy insurance too concerned about price, irrational practices are trifles.
3. Down payment of the purchase and home due to not using, you can buy money market funds issued in the near future, can be used at any time, and slightly higher than the interest gains.
4. In view of the Sun jiaxiu risk appetite strong, remaining assets into more risky assets, in exchange for higher returns. Stock market, real estate investment can focus.
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