Miss Yan is 36 years old, married and earns 3,000 yuan/month. She is engaged in sales, with a house and no loan. Husband's own business income is unstable, and his husband has social security. I bought two copies of Pacific insurance, old Frye. I have no children and no burden for the elderly. I want to buy medical insurance.
My plan for her is as follows:
Main insurance, safe and intelligent life (universal insurance)
Initial premium: 6000/ year
Universal Insurance Function: Ten Guarantees for Savings (500 yuan/Month)
Multi-deposit point of paper money: (additional function)
No money, less savings: (extension function)
Withdraw money: (cash value part)
Deposit bonus points on time: (2% of the first premium for the fourth year)
Daily calculation: (minimum daily interest rate is 0.004795%)
Monthly compound interest: (65438+ 0 day of each month is the settlement date)
The top is not capped, and the bottom is guaranteed: (1.75%)
Demand function, regular interest calculation.
Prevent diseases and provide for the aged.
There is always worry-free accident injury and disability protection and worry-free accident medical insurance (the coverage is optional, no extra cost, no waiting period)
Lifelong medical insurance for serious illness: (optional coverage, free of extra expenses, waiting period of 90 days)
Meet the guarantee requirements of customers at all stages of their lives: (the guarantee amount is adjustable, 1 time/year)
Everything is up to the customer!
30 serious diseases: from head to toe
Head: stroke, deep coma, benign brain tumor, Japanese encephalitis.
Face: blindness, loss of speech function, deafness.
Heart: acute myocardial infarction, primary cardiomyopathy, coronary artery bypass grafting, aortic surgery,
Heart valve replacement.
Organs: primary pulmonary hypertension, acute severe hepatitis, end-stage liver disease, chronic renal failure (uremia), acute hemorrhagic necrotizing pancreatitis.
Organs: Malignant tumor, invasive mole, transplantation of important organs.
System: Systemic lupus erythematosus, multiple sclerosis, type I diabetes, aplastic anemia, Parkinson's disease, amyotrophic lateral sclerosis.
Limbs: Limbs are missing, paralyzed and severely burned.
Additional (1) Ping An Additional Medical Insurance Lifelong Hospitalization Expenses (1)
The insured amount is 2 copies, and the premium is 390/ year.
The insurance limit for hospitalization expenses is 6000 yuan.
The outpatient service fee does not exceed 600.
The cost limit for non-organ transplant surgery is 3000 yuan.
The limit of organ transplant operation cost is 20000 yuan.
Product Features of Ping An Additional Guardian Lifelong Medical Insurance (2007)
Lifelong medical care ensures a healthy and worry-free life.
The guarantee is perfect and comprehensive, so you can rest assured.
The application for subsidized medical payment is simple and quick.
Additional risks can be allocated flexibly according to your needs.
The exclusive "medical account" gives you intimate care.
Cash value reserves help you enjoy your old age.
Guardian life function diagram:
Ping An Additional Life-long Medical Insurance (2007) and 365 Intimate Protection will help you plan a healthy life in the future and protect your health for life.
What are the advantages of universal insurance over traditional insurance?
(1) With the same age and the same payment amount, universal insurance can provide more protection than traditional whole life insurance. Close to term life insurance
(2) In the case of proper design, when customers are unable to pay for traditional insurance and have to surrender or pay in full, the rest of universal insurance is increasingly borne by customers.
(3) After using traditional insurance for a period of time, it is found that the insurance coverage is insufficient or too high, and it is necessary to apply for a new policy or pay a reduction, while universal insurance is not. You can increase or decrease the coverage of the original policy. When adding insurance, if the funds in the customer's account may be insufficient, it can be directly added to the original policy, or the premium paid in advance can be increased, which can solve many formalities for the customer. It also reduces the possibility of mistakes. (For example, there are too many insurance policies, and one of them forgets to pay on time. )
The ever-changing omnipotence needs to be shaped. Remember that the word need is the starting point.
It is not easy to accumulate wealth, and everyone wants his wealth to keep growing. However, there are too many risks in real life, even if we have wealth, we can't sit back and relax. Unexpected disasters, bank loans, opponents' traps, and sometimes unfilial children, in the end, our own assets are very few. Once we can't fully grasp the wealth, our efforts will be wasted bit by bit.
Insurance is a real asset, which can not only keep the property when it is purchased and collected, but also keep the insurance policy intact when the company has an accident, so that the hard-earned property will not disappear overnight, thus becoming the capital for a comeback.
Prevent diseases and provide for the aged.
Besides, the most difficult money to earn in one's life is the money from bad karma in his later years. 10% of the money we earned when we were young was originally used for providing for the elderly. Modern people should work hard when they are young. In fact, they are trading tomorrow's health for today's money, and the health that gradually dies in old age may have to be bought back with money. So, if you want to travel around the world in high spirits when you are old, you must:
1, pay attention to your health; Put the money that should belong to the old age in the insurance company now, and then there will be a beautiful and happy old age waiting for you.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.