To pay social security for 20 years, the death was back to 9000 yuan, suanlaisuanqu less commercial insurance

来源:保险自媒体联盟
Source: insurance from the media alliance
这是一个真实案例:交了二十多年的社保,59岁走了(在职身故),今天办理手续只能拿回9656.91元。这就是一个人一辈子的身价?这么多年的社保金就白白没了?是的,现实很残酷。
This is a real case: over more than and 20 years of social security, 59 years away (in death) today, go through the formalities can only get 9656.91 yuan. This is a lifetime worth? So many years of social security money in vain? Yes, the reality is very cruel.

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很多人以为有了社保,就不需要商业保险了,这是误区。
Many people think that there is a social security, you do not need commercial insurance, and this is a misunderstanding.
警惕社交网络的第三方应用程序滥用您的授权!最可能的损失是第三方应用程序滥用您的授权,通过您的社交网络发送广告或其它不良内容,而对您的信誉造成损失。
社保与商保的区别:社保没有身故保额,而商业保险可以。社保没有保费豁免功能,而商业保险可以。社保不能贷款而商业保险可以.(可质押保单贷8成现金价值)。
The difference between social security and commercial insurance: no social security and commercial insurance can be the death of the insured amount. There is no premium waiver function, and commercial insurance can. Social security can not be loans and commercial insurance can be. (can be credited to 8 of the loan policy into cash value).
如何购买商业保险,体现生命价值呢?
How to buy commercial insurance, reflecting the value of life?
一个有价值、有尊严、有能力、有爱心的人一定要有定期寿险和终身寿险。这份保障既是自己身价的体现,也是对父母、孩子和爱人的爱与责任。
A man of value, dignity, ability, and love must have regular life insurance and life insurance. This guarantee is not only the embodiment of their own value, but also for parents, children and loved ones love and responsibility.
拥有多少保额合适呢?从保险的专业角度讲,有四种计算身价的方法:
How much amount appropriate? From the professional point of view of insurance, there are four ways to calculate the value:
1、双十法则
1, ten rules
即保险金额是年收入的10倍,保费为年收入的10%。
That is, the amount of insurance is 10 times the annual income, premiums for the annual income of $10%.
假定王先生税后年收入为20万元,按照双10法则,身故保障保额为200万,保费支出为每年2万。
Mr. Wang assumed annual after tax income of 200 thousand yuan, according to double the rule of 10, the death benefit for the sum of 2 million premium expenditure for the year 20 thousand.
2、生命价值法
2, the value of life
是以一个人的生命价值作依据,来考虑应该购买多少保险。
Is based on the value of a person’s life, to consider how much insurance should be purchased.
计算公式为:生命价值=(预期退休年龄—实际年龄)x (预估平均年收入—税收—保费—生活各项支出)
The formula is: life value = (expected retirement age – actual age) x (estimated average annual income – tax – Premium – living expenses)

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例如:王先生今年35岁,60岁退休。预计年收入20万,每年税收、保费、生活开支为10万,结余20万。
For example: Mr. Wang is 35 years old, retired at the age of 60. Estimated annual income of 200 thousand, annual tax, premium, living expenses of 100 thousand, balance of $200 thousand.
王先生应该拥有的保险金额为:(60-35)(20—10)=250万
Mr. Wang should have the amount of insurance: (60-35) (20 – 10) =250 million
生命价值法的意思是王先生未来为家庭创造的价值为250万。
The value of life means that Mr. Wang’s future value for the family is 2 million 500 thousand.
3、遗属需求法
3, the survivor demand method

分析不同家庭一旦经济支柱死亡时的财务需求,并转换为投保的数额。
Analyze the financial needs of different families once the economic pillar dies and convert the amount insured.

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· 家庭负债的需求
Household debt demand
· 预期生活费的需求
贵阳发布国内首个针对网约车信息安全制定管理办法
Expected cost of living
· 子女教育费的需求
Cost of children’s education
· 预期赡养费(遗产)的需求
Expected maintenance (Legacy) demand
投保金额=家庭负债 + 预期生活费用 + 预期子女教育费用 + 预期赡养费用(+ 遗产)-已有人寿保险-可用以弥补部分财务损失的资产。
Insured amount = household debt expected cost of living expected child education expenses expected alimony (Legacy) – existing life insurance – available to cover some of the financial loss of assets.
例如:王先生房贷100万,预期未来20年生活费用共200万,子女教育费50万,父母赡养费30万,已经有团体寿险30万,有股票基金50万。
For example: Mr. Wang mortgage 1 million, is expected in the next 20 years, a total of living expenses of $2 million, children’s education fee of $500 thousand, parental support of 300 thousand, has a group life insurance of $300 thousand, a stock fund of 500 thousand.
王先生按照医嘱需求法需要的投保金额为:
Mr. Wang in accordance with the requirements of the medical needs of the insured amount:
100万+200万+50万+30万—30万—50万=300万
1 million and 200 – 500 thousand and 30 – 300 thousand – 500 thousand =300 million
4、资本保留法
4, the capital reserve law
是估算替代收入的资本需求,一旦家庭成员发生风险不能获得收入,则用保险赔偿费用投资,按照合适的投资收益率,产生的收益与发生风险前的收入基本相符。
Is the estimation of alternative income capital requirements, once the risk of family members can not get income, with insurance compensation costs, in accordance with the appropriate rate of return on investment, the revenue generated was consistent with the risk of income before.
例如:王先生年税后收入为20万,需要给家人留多少钱才能替代王先生的收入呢?假定年收益率为10%,需要有200万的资金,每年可以产生20万的投资收益,即王先生的身故保额应该为200万。
For example: Mr. Wang after tax income of 200 thousand, how much money to the family to be able to replace Mr. Wang’s income? Assume that the annual yield of 10%, to 2 million of the capital, can produce 200 thousand annual return on investment, that is Mr. Wang’s death of the insured amount should be 2 million.
不管用那种方式计算保额,总之作为创造价值,承担家庭责任的每一位爱心人士,都要有足够的人寿保险。正如李嘉诚先生所讲,唯一能体现我生命价值的是我拥有足够多的人寿保险。
No matter in that way the calculation amount, as in value creation, every one who love family responsibilities, must have enough life insurance. As Mr Li Jiacheng says, the only thing that can reflect the value of my life is that I have enough life insurance.
点击“阅读原文”直达产品详情和投保界面
Click on the reading the original direct product details and insurance interface
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Sweep the concern of the public, WeChat

作为一个拥有全球规模和容量最大的信息网络基础设施和世界第一的网民数量的国家,在全球互联网日益普及和应用日益深化的大背景下,我国已经成为世界日益重要的互联网开发、应用和服务市场之一。

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【网安智库】人工智能又一次改变世界的技术浪潮

信息安全与通信保密杂志社
一、发展历程人工智能的浪潮汹涌澎湃,在视觉图像识别、语音识别、文本处理等诸多方面人工智能已经达到或超越人类水平,在视觉艺术、程序设计方面也开始崭露头角,令人惊叹不已。人们已经相信,在个人电脑时代、网络时代、手机时代之后,整个社会已经进入人工智能时代。一般来说,人工智能分为三个阶段:
第一阶段为计算智能,即快速计算和记忆存储能力。十多年前,IBM 深蓝计算机战胜了国际象棋大师卡斯帕罗夫,当时震惊了世界。象棋机器人能够战胜人类,靠的就是超强的记忆的能力运算速度,能够预测到十几步以后的结果,这就属于计算智能。
第二阶段为感知智能,即视觉、听觉、触觉等感知能力。人和动物就是通过各种智能感知能力与自然界进行交互。感知智能方面最形象的一个研究项目就是自动驾驶汽车,谷歌和百度都意欲在这个方面实现突破。机器不需要了解各种知识,只需要用各种传感器对周围的环境进行处理、自动控制就可以实现自动驾驶。
第三阶段为认知智能,也是目前各大科技巨头都在迫切寻找突破的领域,通俗来说就是”能理解会思考”。人类有语言,才有概念,才有推理,所以概念、意识、观念等都是人类认知智能的表现,这也使人类能够明显区别于动物。人工智能将涉及到心理学、哲学和语言学等学科。可以说几乎是自然科学和社会科学的所有学科。从思维观点看,人工智能不仅限于逻辑思维,要考虑形象思维、灵感思维才能促进人工智能的突破性的发展。认知智能是目前机器与人差距最大的领域:让机器学会推理和决策异常艰难。
二、 战略内涵
(一)人工智能是未来互联网发展的技术核心
为加快我国在人工智能领域发展,2015 年7 月国务院发布了《关于积极推进”互联网+”行动的指导意见》,将”互联网+ 人工智能”列为11 项重点行动之一,足以表明国家对人工智能的重视程度。按照马克思主义政治经济学的原理,人工智能+ 互联网的意义就不再仅仅是辉昂网技术在人工智能科学技术林谷的一般应用,也不仅仅是互联网的智能化升级,而应当是当今时代最先进的社会生产力与当今时代最先进的社会生产关系的有机结合,构成当今时代最先进的社会生产方式。人工智能技术与机遇计算机的互联网相结合,将”计算机”升级为人工智能系统,成为”智能计算机”,因此,人工智能与互联网相结合,讲使传统的互联网升级为”智能化互联网”。
(二)人工智能将引发产业结构的深刻变革
人工智能在家居、汽车等不同行业的深度融合和广泛应用,将引发产业生产方式发生深刻地变革,对整个产业结构进行重新塑造,带来产业生产力的迅猛发展,对产业内的企业也进行一场历史的洗礼。
三、核心技术(一) 深度学习算法
深度学习是机器学习研究中的一个新的领域,其动机在于建立、模拟人脑进行分析学习的神经网络,它模仿人脑的机制来解释数据,例如图像,声音和文本。深度学习算法包括长记忆网络、注意模型、人工神经网络、卷积神经网络等,这些算法的突破,可以让机器更加的智能、人机交互更加的友好,真正实现万物互联的设备具有类脑思维。
(二) 大数据
大数据是具备体量大(Volume)、速度快(Velocity)、价值密度低(Value)、种类多(Variety)等4V 特征的可以被科学记录的数据集合。每天产生的越来越多的数据使得利用这些数据来做一些过去只有人能够做的事情成为可能,除了数据的丰富度之外,还有一个非常非常重要的原因,就是计算资源的丰富,即计算能力越来越强大,而计算的成本越来越低廉。正因为有个大数据,加之强大的计算能力和深度学习算法,因此可以实现很多,比如说像语音识别,自然语言的理解,图象识别,甚至无人驾驶汽车。对于企业来说,一方面很感谢政府可以公开出来各种各样的数据,把数据分享给我们,另一方面我们也应该非常的努力去找到数据价值。而人工智能就是最最能够利用大数据的一个领域,它会改变各种各样的行业,各种各样的领域。
四、 应用场景
以下以某电信集团的人工智能应用场景为例。
(一)智能客服
智能客服是在大规模知识处理基础上发展起来的一项面向行业应用的一种解决方案,它涉及大规模知识处理技术、自然语言理解技术、知识管理技术、自动问答系统、推理技术等,具有行业通用性,不仅为企业提供了细粒度知识管理技术,还为企业与海量用户之间的沟通建立了一种基于自然语言的快捷有效的技术手段;同时还能够为企业提供精细化管理所需的统计分析信息。在打造大数据能力的基础上,个性分析每个用户的喜好,为客户带来更智能的服务体验,提升工作效率达30%。
(二)智能家居
智能家居是在互联网影响之下物联化的体现。智能家居通过物联网技术将家中的各种设备(如音视频设备、照明系统、窗帘控制、空调控制、安防系统、数字影院系统、影音服务器、影柜系统、网络家电等)连接到一起,提供家电控制、照明控制、电话远程控制、室内外遥控、防盗报警、环境监测、暖通控制、红外转发以及可编程定时控制等多种功能和手段。与普通家居相比,智能家居不仅具有传统的居住功能,兼备建筑、网络通信、信息家电、设备自动化,提供全方位的信息交互功能,甚至为各种能源费用节约资金。通过物联网将家中的各种设备连接到一起,提供智能影音、安防监控和家电控制等整理提解决方案。
(三)智慧教育
智慧教育是依托物联网、云计算、无线通信等新一代信息技术所打造的物联化、智能化、感知化、泛在化的教育信息生态系统,是数字教育的高级发展阶段,旨在提升现有数字教育系统的智慧化水平,实现信息技术与教育主流业务的深度融合( 智慧教学、智慧管理、智慧评价、智慧科研和智慧服务),促进教育利益相关者( 学生、教师、家长、管理者、社会公众等)的智慧养成与可持续发展。鹏博士利用大数据与人工智能技术,深度分析学生个性化学系方案,达到因材施教的效果。

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五、 前景探索
当前人工智能的浪潮已席卷了全球,人工智能领域的公司也在不断激增。根据Venture Scanner 的统计,截至到 2016 年底,全球共有957 家人工智能公司,美国以499 家位列第一。覆盖了深度学习(机器学习) 、自然语言处理(语音识别) 、计算机视觉(图像识别)、手势控制、虚拟私人助手、智能机器人、推荐引擎和协助过滤算法、情境感知计算、语音翻译、视频内容自动识别等 13 个细分行业。人工智能学习顶尖专家知识,达到一流专家水平,超过90% 普通专业人员。麦肯锡认为45% 的生产活动可以用人工智能实现自动化,而科学杂志也认为,到2045 年,人工智能将会颠覆全球就业率降低到50% ,届时,中国将有七成劳动力因人工智能技术发展而失去工作,与此同时,埃森哲最新研究报告指出,到2035 年,人工智能会让美国等12 个发达国家的经济增长翻一倍。
六、 伦理道德人工智能背后,牵涉的是社会学、伦理学、心理学等学科的问题。在人工智能技术的发展还将进一步影响人们的工作、学习和生活, 给人类带来更多利益与便利的同时也会给人类带来更多新的伦理问题。我们只有及时对人工智能技术的伦理问题进行反思、总结并采取相应的应对策略,才能使人工智能技术趋利避害, 为改善人类生活质量而生。为此,必须从法律法规、社会保障、技术标准和应用规范等多个维度对人工智能加以约束,确保人工智能技术具有开放性的同时,更加的具有人性化。
作者:李 慧鹏博士,电信传媒集团CIO,高级工程师。
(本文选自《信息安全与通信保密》第十二期)
中国网络空间安全网:http://www.cismag.net/Article/Info/1862
网 络 强 国 建 设 的 思 想 库

2017年,企业IT关注些什么?

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计算机及网络技术在行业的应用范围越来越广,信息化已经渗透到了几乎所有业务流。如何建立一个安全可靠的网络信息系统就成为我们必需探讨的问题。

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FTC vs. D-Link: A Warning to the IoT Industry

D-Link IP camera
Internet-of-things vendors beware: The complaint filed by the Federal Trade Commission against router and camera manufacturer D-Link could signal the start of a long-term battle to fix systemic industry problems.
See Also: Beyond the Checkbox: Reducing Liability Through Effective Risk Measurement
D-Link left doors open in its products for hackers through poor security practices, the FTC alleges in a five-count complaint filed in federal court on San Francisco. But D-Link marketed devices such as routers to consumers as secure – a law-breaking misrepresentation that put consumers’ data at risk, the agency contends.
The complaint was filed against D-Link Corp. of Taiwan and its U.S. subsidiary, D-Link Systems, based in California. The FTC is asking the court for a permanent injunction that would prevent violations of the FTC Act, which prohibits deceptive practices.
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D-Link has called the charges “unwarranted” and “baseless,” arguing that it maintains a robust set of procedures to address security problems.
“The FTC has made vague and unsubstantiated allegations relating to routers and IP cameras,” according to a Q&A published online. “Notably, the complaint does not allege any breach of any product sold by D­Link Systems in the U.S.”
The IoT industry has been under close scrutiny over the past six months as hackers have compromised large numbers of home routers, IP cameras and even baby monitors. Those devices were then used for devastating distributed denial-of-service attacks. The FTC complaint is a sign that if the industry doesn’t improve security, regulators will take note.
“This is probably among the first examples of many that we will see in which regulators are really going to aggressively file against vendors for these security breaches,” says Laura Didio, IoT research director with 451 Research.
Vulnerable To Attacks
D-Link is one of the largest manufacturers of consumer routers and IP cameras, which of late have been aggressively targeted by hackers. Computer security experts have warned the devices often have poor security controls and that large-scale problems were likely imminent.
It finally happened last September. Hackers infected a large number of IoT devices with Mirai, a type of malware targeting embedded Linux systems. The devices were then used for record-breaking DDoS attacks that had knock-on effects for large services including Spotify and PayPal (see Mirai Botnet Pummels Internet DNS in Unprecedented Attack).
The FTC contends that D-Link’s marketing material says its routers are “easy to secure” and are equipped with “advanced network security.” But in practice, the company failed to implement proper security safeguards, the FTC says.
Software that runs a D-Link IP camera contained a default username and password, both set to “guest,” and could have allowed access to live video feeds, the FTC says. In another alleged misstep, D-Link stored login credentials for a mobile app without encryption, the agency adds.

But in the most egregious alleged mistake, D-Link left its private code-signing key on a public website for more than six months, the FTC contends. Code-signing keys are extremely sensitive. If obtained by a hacker, the key could be used to sign malicious software that would appear to have been developed by D-Link.
The collective result of these errors means that consumer routers and cameras have been vulnerable to attacks that could have compromised their sensitive personal information, the complaint says. “The risk that attackers would exploit these vulnerabilities to harm consumers was significant,” it says.
Shoring Up IoT
The complaint centers largely on how D-Link allegedly misrepresented its products to its customers. That should serve as a reminder to other companies that public statements concerning security and privacy are promises to the public, writes Brian Schaller, an attorney with the Information Law Group.
“Breaking those promises could not only subject a company to FTC complaints, but also state attorney generals’ actions and costly class action lawsuits,” Schaller writes in a blog post.
Although D-Link is the focus of the FTC, the problem of inadequate security in IoT industry is widespread, says Craig Spiezle, executive director and president of the Online Trust Alliance.
“This discussion is not about D-Link,” he says. “This discussion now is about how every company needs to be accountable. We need to be thinking about the long-term impact of these devices.”
使用铺天盖地的信息安全推广广告,将安全标语、安全漫画等贴进每一个角落,可是忙碌的员工哪有时间关心这些东西?温和的方式提升员工的信息安全意识才是正道。
IoT manufacturers push out new products quickly. It’s common for companies to stop supporting those devices after a couple of years even though consumers and businesses may use them for a long time.
Spiezle’s group has developed a set of security guidelines called the IoT Security & Privacy Trust Framework, the latest version of which was released last week. The framework is a set of basic practices that all manufacturers should follow that wouldn’t necessarily increase development costs.
So far, Symantec and ADT, the security company, have signed on. Spiezle says some companies are hesitating, though, because their current product lines may not comply. But Spiezle views adoption of the framework as a longer-term campaign, and he is encouraging companies to use the framework for forthcoming products.
The FTC complaint against D-Link “is the warning” to IoT companies, Spiezle says. “What’s the right thing for consumers to be doing for consumers and the industry? It’s securing these devices and making sure [companies] have a plan for supporting them over the expected life. That’s what I’m most concerned about.”
智能手机病毒日益猖獗,虽然在数量上暂时不比PC,但是吸费却会让病毒集团短期快速获利,让多数智能手机用户蒙受直接经济损失。

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