A lot of friends ask me recently, what is " fixed birthday danger " ? Birthday danger serves as the realest insurance product, how to help us transfer a risk after all? Whether are we lucid to the understanding of birthday danger? Listen to next coulee how to say together!
What is " fixed birthday danger " ?
Above all, birthday danger is be insurance mark with the person's life safe, general safeguard die and total damage two kinds of circumstances; It is to show insurant and insurance company agree regularly a deadline, the accident appears to be able to manage inside for instance compensate, perhaps also be in 70 years old before friend of hair make trouble can manage compensate.
Oneself are not used, why to buy even?
Must admit beautiful money buys birthday a place difficult of access to oneself, oneself can not enjoy brought safeguard directly. But the value that Shou Xiancun is in is to offer the family member beside oneself final warmth (the responsibility that also is bear;
Family old person of education of expenses of indebted, living, child, support need spends money these, and birthday danger is the situation that will ensure whole family to won't bring about domestic economy pelter because of losing domestic mainstay with extremely low cost, say the dot still is that word simply: Standing is to imprint bank note machine, toppling is a RMB.
The danger that buy birthday needs 3 issues of the attention
In domestic member how danger of preferential configuration birthday?
The income more that creates to the family according to who normally will configure birthday danger, namely domestic economy pillar this part.
How much to buy to keep the specified number more appropriate?
Integrated and daily life is necessary solatium of gold of education of liabilities of expenditure, household, children, old person, this 4 big edition piece defray, beforehand appraise future 5~10 year normal movement needs how many money to keep the specified number surely is to compare the method with effective press close to.
First consideration room borrows a car, this is what must want to return is indebted.
Formulary:
Fixed birthday danger protects frontal = (future expenditure of 10 years of domesticity + indebted remaining sum + children teachs gold + old person solatium) - existing net assets
How long is the safeguard of fixed birthday danger decided appropriate?
According to " the life phase with the final responsibility of safeguard deadline = that decides birthday " will choose to guarantee time, basically arrive 60~70 year old, the child also gets married establish line of business, without burden of too great provide for the aged, also overshot the most important level of life, calm birthday arrives here is OK.
Program of as soon as possible, enjoy satisfied life.
(the article is reprinted from public date " coulee plan " )
