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July 2, 2009 - The modern business insurance

The modern business insurance, as improving family's financial structure, equilibrating a kind of effective tool of the potential risk, as to the pressure of revenue and expenditure especially more important than the big low-income household. Because of restrain economic ability from, have surplus fund that buy the overall risk guarantee of family, therefore choose especially needing validity, pertinence in insurance. The basic principle is to choose ensuring and comsumption-based insurance kind, wouldn't consider sharing out bonus, deposit and investment type.
Advise the low-income household to mainly proceed from family's responsibility to buy the insurance, should buy the full-amount guarantee preferentially in the family pillar having a great responsibility, if already there are social insurance and on business and few other places, propose buying the whole-life insurance of some cheap expenses and the subsidy type insurance kinds of accident and medical treatment. Because main life insurances are generally a little more expensive, propose the mainly dangerous premium will be tried hard to reduce, then added a fixed life insurance with better cost performance, there is enough responsibility guarantee of family in the important twenty or thirty in life like this.
Want certainly too from facing there aren't risk,for example childrens teenage and go away often need consider especially too. Because it is relatively weak that minors' immune system and risk resist ability, the potential expense expenditure may be relatively large, the medical insurance kind of health of proposing buying a guarantee type is enough, domestic many insurance companies all offer these practical insurance at present. As to on business more or kinsfolks that go by bus frequently, propose, buy one traffic accident insurance kind, some money that only needs to be short of every year can solve some afraiding and risk of the potential large volume expenditure of hospitalization costs often going on business.
The financing is asked and answered ' Part of the university) : (1)
1.Q: Our income state is more steady, the annual income is about 150,000. Should pay the daily expenses more than sufficiently, and still there is idle fund of 300,000 yuan at present. The daughter is a sophomore, plan to go abroad to study within 3 years. But the family is considering changing a house at the same time at present, could you tell me it in this case, investment combination has been most efficient that which kind of it is chosen with these 300,000 yuan that in the past 3 years to manage money matters?
A: Fish and bear's paw can't be had and held concurrently. The purpose to generally change a house always expands living space, and according to the present room rate, even if increase room one, it is estimated that it is just similar that 300,000 yuan is used, why is there money for the daughter to go abroad to study? Fish I want too, bear's paw I want even also, how is there so good thing all over the world? What's more the country issues various policies and adjusts and controls the market of house property continuously at present, the room rate is at delicate stage, the ones that drop in the future are a little more possible. According to the present situation, more realistic some methods are plans of giving up exchanging houses, prepare to the daughter with single-hearted devotion the matters of going abroad to study.
Take out 100,000 and buy A-shares or stock type fund of 300,000 yuan. Other 200,000s can invest in the fund of money market, annual earning ratio is higher than the fixed deposit of one year; The short term bond fund when can make the investment too, this kind of fund mainly invests in time limit and smaller than the short-term financing certificate of enterprise for two years at present, and the interest rate is relatively high; In addition, buy-back is a good choice too.
2.Q: My son's education are not high, the working prospect is not very optimistic after graduating, it is estimated that the incomes can not be high either in a few years just beginning. Wife and I are the salariat, in case the son should be in half a piece of " gnaw the old clan " ,Our burden will be very heavy. Could you tell me whether there is a corresponding insurance kind, can let children receive a sum of money on schedule after graduating, ensure his own life to lighten our pressure too?
A: It is believed that all parents hope to have such a insurance kind: Can get the money if the child needn't work after graduating. However, probably insurance company is not interested in this kind of insurance business. The customer pays for the a little insurance, then collar " salary " comes on time every month ,May well ask the insurance company, as the commercial company, how does it make profits?
I have said to the customer many times: To manage money matters teacher narrate one's own financing at the goal, must not withdraw " I have odd yuan, whether you can help me to speak to a billionaire " So irrelevant a requirement, a teacher is not an immortal to manage money matters. Manage money matters teacher recommend best among the numerous financial product at market, suitable product give to the customer most, but can not find losing money, products which the customer won alone of financial institution absolutely.
There are two kinds of to can get insurance of the insurance premium on schedule on the market at present, first, life insurance, but after needing insureds to pay the premium in several years, could begin to get. By the look of this example, the child has already faced graduating, parents hope children can get the insurance premium at once after graduating, it is probably too late on time. In addition, the purpose essence of the life insurance is ensured, it is the same that the principal basically with the bank account of insurance premium got adds the interest in several years, if simple to for get money, not as good as oneself check bank to be convenient.
The second kind is that investment is connected with risk, can share out bonus after it is one year to insure at once. But has not guaranteed, totally depend on achievement that the insurance premium of insurance company invests and manages. Lose perhaps one fen, even if make profits and basically fluctuate in the standard of the interest of the bank, can not be numerous. So, there is no corresponding insurance variety, can let children receive a sum of money on schedule after graduating, ensure his own life to lighten parents' pressure too.

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