Is it raining in Huludao now? How's the weather?

Mr. A is 32 years old, Mrs. A is 28 years old, and the baby 1 year old.

Family description:

Mr. Wang is a Shanghainese, an executive of Hainan Industrial and Commercial Bank, with an annual income of 30W. The company provides a certain amount of group insurance, including a higher amount of accidents, some serious diseases, and 90% outpatient and emergency reimbursement. My wife is a full-time housewife and has no social security. My husband's company group insurance can reimburse her for 50% of outpatient and emergency expenses. At the same time, Mr. Wang's company group insurance also provides 50% reimbursement for outpatient and emergency expenses for babies. Neither parents nor families need to pay large maintenance fees. Money bank deposit is the most important capital flow. The baby has purchased 1.5 million health insurance.

Demand analysis:

Only when the children are old can the wife go out to work. Mr. Wang is the mainstay of the family economy now and in the future. My wife has no social security and other insurance, and all risks are borne by the family.

Scheme design idea: while managing money, you can get certain health protection.

About Mr. Wang: The accident insurance provided by group insurance is relatively high, but the serious illness insurance is limited. It is suggested to increase the critical illness protection.

About the wife: serious illness, hospitalization and unexpected medical treatment are the key points to consider.

Because most of the funds of small families are converted into bank deposits, it is suggested that a part of them be invested in dividend insurance every year, on the one hand, because the principal guaranteed by fixed income is safe, on the other hand, they also get the benefits of expert financial management.

Scheme:

Sir:

China Life Credit Suisse Endowment Insurance (Dividend Type)

China Life Credit Suisse Major Disease Advance Payment Insurance

Premium: 7475 yuan

Rights and interests: 6,543.8+0.5 million for serious illness and 6,543.8+0.5 million for death, with a fixed return of 4,000 yuan every three years. You can enjoy the company's annual dividend investment income, and return 654.38+0.5 million yuan at the age of 80, Sichuan Agricultural Bank.

Madam,

China Life Credit Suisse Endowment Insurance (Dividend Type)

China Life Credit Suisse Major Disease Advance Payment Insurance

Medical insurance for reimbursement of hospitalization expenses (type A)

Ruikka B.

Premium: 13840

Rights and interests: 300,000 serious diseases, 380,000 deaths, annual hospitalization expenses 10000, accidental emergency and hospitalization expenses of 5,000. Zhejiang Huaxia Bank regularly returns 8,000 yuan every three years, enjoys dividends every year and enjoys the company's investment income, and returns 300,000 yuan at the age of 80.

In this way, children can receive the dividends accumulated in the early stage as an education fund when they go to college, and they can receive the dividends accumulated in the early stage as a marriage fund when they get married. After retirement, they can receive the bonus of that year and return it once every three years as a supplement to their pension. A policy benefits two generations.

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