Foreign white collar couple-money schemes

Financing case

Mr LEE asked, we couple are with a foreign-funded enterprise of white-collar workers. I am 36 years old, his wife of 30 years. Now my wife is pregnant, due in April next year. Company for which you have purchased a part of social security, but security is not completely, my wife and we want to consult how to finance to provide more protection.

Financing recommends

Financial Advisor Haier New York life uranium: Mr Li and his wife were both older white-collar workers, has an accumulation period in early life itself have some ability to resist risks. But after the birth of a child, more expenses, such as educational expenses, living expenses, and so on, if the couple have a risk of suffering, with only one person responsible for children from small to large expenditure, family still there is a problem, therefore, to Mr Li and his wife increased stability of the financial situation of the family, improving risk-resistant ability of the family is very important.

First, we guarantee programme proposed by Mr LEE\'s proposed are as follows:

Can purchase century Ankang life life insurance (dividends type) insurance amount 80,000 yuan, payment period 20 years, protection period lifelong, years paid premium 3,328 Yuan; no worry Po accident hurt insurance, insurance amount 100,000 yuan, payment period 1 years, protection period 1 years, years paid premium 200 Yuan; additional regularly life insurance, insurance amount 100,000 yuan, payment period 20 years, protection period 20 years, years paid premium 463 Yuan; additional accident hurt medical insurance, insurance amount 3,000 yuan, protection period 1 years, payment period 1 years, years paid premium 42 Yuan; additional hospital costs medical insurance, insurance amount 4,000 yuan, protection period a years, payment period a years, years paid premium 180 Yuan; additional daily hospital subsidies medical insurance, insurance amount 50 Yuan/days, protection period 1 years, payment period 1 years, years paid premium 90 Yuan; major disease long-term health insurance, insurance amount 70,000 yuan, payment period 20 years, protection period lifelong, years paid premium 729 Yuan.

Second, for Mrs Lee\'s security proposal is as follows:

Century Ankang life life insurance (dividends type) insurance amount 80,000 yuan, payment period 20 years, protection period lifelong, years paid premium 2,723 Yuan; no worry Po accident hurt insurance, insurance amount 100,000 yuan, payment period 1 years, protection period 1 years, years paid premium 200 Yuan; additional accident hurt medical insurance, insurance amount 3,000 yuan, protection period 1 years, payment period 1 years, years paid premium 42 Yuan; additional hospital costs medical insurance, insurance amount 4,000 yuan, protection period 1 years, payment period 1 years, years paid premium 140 Yuan; additional daily hospital subsidies medical insurance, insurance amount 50 Yuan/days, protection period 1 years, payment period 1 years, years paid premium 75 Yuan; major disease long-term health insurance, insurance amount 70,000 yuan, payment period 20 years, protection period lifelong, years paid premium 729 Yuan.

Because of Mr LI\'s child after birth in the next year, also requires certain commercial insurance, so this provides protection for Mr LEE and his wife only within two 10% of the income of the programme budget, only $ 737/month, lower than the actual budget.

Knowledge of financial management

What are the insurance companies clearly stated obligations?

Relative to the insured person to fulfill its obligation, the insurance company obligations expressly refers to the insurance company at the time of conclusion of insurance contracts, to explain to policyholders on the insurance contract obligations. Insurance terms are formatted articles prepared by the insurance companies, policyholders to often do not know its contents and, therefore, to protect the interests of the insured, the Insurance Act provides that at the time of conclusion of insurance contracts, insurance companies should be explained to policyholders of insurance contract terms. For contracts relating to insurance companies in terms of the exclusion of liability, insurance policy holders should be made clear, not clearly stated, the disclaimer will not produce legal effects.