Source: insurance from the media alliance
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.
Many people think that there is a social security, you do not need commercial insurance, and this is a misunderstanding.
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).
How to buy commercial insurance, reflecting the value of life?
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.
How much amount appropriate? From the professional point of view of insurance, there are four ways to calculate the value:
1, ten rules
That is, the amount of insurance is 10 times the annual income, premiums for the annual income of $10%.
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, the value of life
Is based on the value of a person’s life, to consider how much insurance should be purchased.
The formula is: life value = (expected retirement age – actual age) x (estimated average annual income – tax – Premium – living expenses)
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.
Mr. Wang should have the amount of insurance: (60-35) (20 – 10) =250 million
The value of life means that Mr. Wang’s future value for the family is 2 million 500 thousand.
3, the survivor demand method
Analyze the financial needs of different families once the economic pillar dies and convert the amount insured.
Household debt demand
Expected cost of living
Cost of children’s education
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.
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.
Mr. Wang in accordance with the requirements of the medical needs of the insured amount:
1 million and 200 – 500 thousand and 30 – 300 thousand – 500 thousand =300 million
4, the capital reserve law
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.
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.
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.
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