The responsibility of adult: Living it is one imprints bank note machine, dying also is one caboodle

Core clew: Birthday danger, it is an adult the responsibility to the family.

A few days ago, dish is protected in know on one about problem of singleton female provide for below, saw a such answers:

Answer advocate maternal word, look to make person nose acid acerbity.

This is the responsibility heart of parents of typical China type, whatever moment, do not want to live into the child's burden, calculate, also want hard what to leave to the child, living it is one imprints bank note machine, died to also can turn one caboodle into the RMB.

Actually, be afraid that oneself have an accident, give a lot of care of complicity family costly rushs about take care of, it is parents not just heart of meeting some responsibility, also be each adult is met to the family some responsibility hearts.

If wanting to ask dish protects this responsibility heart to want how to be fulfilled, the proposal that dish defends is to buy a place difficult of access of a birthday, let insurance company assume this risk for us.

1

Birthday danger has what to use

Knowing birthday risk is how after one and the same, you are clear why dish is protected so said.

Birthday danger, it is to be inside insurance duty lieutenancy, no matter the disease is accident still, want insurant to die only, insurance company is sure one kind with respect to what can compensate for.

Besides protecting accident die and disease die, still have a special case, that commits suicide namely.

Generally speaking, want guarantee slip become effective more than 2 years only, if insurant suicide dies, insurance company also wants compensate.

Have time restriction of 2 years, basically be the interest that protects insurance company, to avoid short-term inside the person that commits suicide in cold blood buys a birthday danger hole designedly insurance company brushstroke.

And be in guarantee slip become effective after 2 years although commit suicide to also manage compensate, basically be the interest that protects beneficiary beneficiary, if a person is when the danger that buy birthday,wanting to want to commit suicide, but there is misfortune take a matter to heart after a few years, cannot be cheat in cold blood protect, this how is compensate still gotten how compensate.

Simple for, main component is birthday danger fixed birthday danger and lifelong birthday danger.

Fixed birthday danger, guarantee proper time only, if the die inside the corresponding period closes in insurance, can win compensation; If be sure to add up to the corresponding period to end, insurant is living still, the contract was stopped, insurance cost is not returned.

And lifelong birthday danger, protect namely lifelong, the person always has one to die, this money affirms manage compensate cannot run.

Tell white, this plants birthday danger living do not take money, died the insurance of ability compensate, do not buy at all, however for family.

Very few person can naked will not have care, those who have a room is not much said, although lone noble, still also have do not be at ease the old parents below ah.

And all sorts of problems that those at worsts may produce, more very much actually the manage compensate gold that can rely on birthday danger is solved. Borrow e.g. the room, the car is borrowed, parental provide for the aged, child is taught...

So, birthday danger is an adult actually to domestic responsibility reflect.

With series of serious illness risk, dish is protected can use a few articles continuously next, explain birthday risk to everybody fully, this is the 1st today, basically solve the problem that friend of on birthday danger a lot of dish cares:

2

Buy to who, how much to buy,

Guarantee time, does capture expend deadline?

Each dish is friendly, this soul 4 is asking repeatedly very familiar?

Actually this is the main problem that before we buy insurance every time, should consider, and the answer that different risk plants is different, place is writing serious illness risk to had been told with before two weeks, write birthday danger to be returned so that tell additionally today.

On the issue that buys to who, child of everything of habit of a lot of people is first, or the safeguard that the old person does nice old person first flimsily quite.

Actually, the essence of birthday danger is the economic responsibility to the family, what need to configure birthday danger most is domestic economy pillar, make money in the home namely most, affect a the biggest that to domestic finance affairs.

If the child or old person misfortune went, although invigorative the blow that go up, but unapt still cause an effect to the finance affairs in the home, because the child and old person do not have the economic responsibility that assumes a family;

And if be foregone of misfortune of domestic economy pillar, old person and child do not have working ability, the family loses income to did not have a law to live between one night.

Protecting the forehead to go up, set out from the action of birthday danger, the case that dish defends proposal him basis, basically consider the charge of 3 respects: The room borrows a car wait for debt; Provide for parents; Child alimony and education are expended.

The choice that guarantees time is chosen namely actually still is to choose regularly lifelong.

The notion of a lot of people is very paradoxical, if oneself are very lucky more long-lived, did the insurance cost of fixed birthday danger hit water very not unfortunately to float? And lifelong birthday danger is compensate wanting put in order sooner or later, danger of lifelong still birthday relies on chart.

But actually, because of lifelong birthday danger insurance company is unavoidable after all one compensate, and sheet of part of fixed birthday danger is need not of compensate, because this is lifelong the price of birthday danger is very expensive, and sacrifice this money fluidity of a few years, in light of the angle from devaluation not be to one's profit.

Additional, birthday danger and the principle of insurance cost price of the danger that weigh disease are similar, with age link up with, age is older, disease die risk is high, accordingly insurance company compensate pays a risk tall also.

Cite a case, 25 years old buy fixed birthday a place difficult of access, it is during safeguard 20 years, the disease die probability 45 years old ago is a lot of lower than wanting after 45 years old, insurance of fixed birthday risk will be so cheap.

Just, the discretion of price of fixed birthday danger also also concerns with the accident that guarantees time.

Same a product, insurance period is mixed 10 years safeguard period 20 years, it is time grows more for certain, the probability of be or get out of danger is higher. The risk that insurance company compensate pays is high, insurance cost nature will be expensive.

So, dish defends a proposal everybody actors or actress danger of birthday of period of make choice of, but safeguard deadline also is not to grow better more, use quite went.

This so called " use quite " , a bit more specific for, it is deadline the choice borrows a car to the room still be over, child school work is finished come out to work, and do not need provide for parents, when overall family responsibility is reduced.

If you are the crowd of high net value that money does not need in fokelore, lifelong birthday danger also suits you quite, because it can ensure fortune of social status, inheritance and reasonable section duty.

But be versed in to great majority for firewood a group of things with common features, the sexual price of fixed birthday danger is compared taller.

Deadline is expended to go up in capture, dish is protected still is that word, have how long does capture expend deadline, choose how long capture expends deadline.

Reason, had said when explaining serious illness risk, do not repeat an explanation, the dish friend that does not know can click here to review.

3

Can birthday danger repeat buy?

A lot of people fall in the case that has had a place difficult of access that buy birthday, when seeing the outstanding birthday a place difficult of access that gives newly again, still be can enchanted want to come to again.

This need not worry, birthday danger is to be able to repeat buy, if had an accident really, of metropolis manage compensate.

But the danger that buy birthday is to offset the pecuniary loss that economic pillar die brings to the family, and circumstance very extreme, must be being gotten is die just is met compensate, buy to guarantee the birthday a place difficult of access with sufficient specified number generally speaking actually enough, repeating bought necessity is not very big.

It is very important to although had been done,be ensured, but the expenditure that also should control insurance cost appropriately is occupied than.

4

Had had the serious illness risk that takes die responsibility,

Still need to buy birthday a place difficult of access?

The answer is: Need.

Although weigh disease risk to contain die responsibility, still also cannot replace birthday danger.

The premise of compensate of die responsibility manage of serious illness risk, be compensate of manage of overweight disease light disease did not happen inside contract period, and generally speaking, if compensate of manage of overweight disease light disease happens during the contract, from the back even if adding up to the die inside the corresponding period, so insurance company also won't manage again compensate.

And except natural and man-made disaster, still be commonly due to illness terminal case is more, that is to say, often be before die, had managed compensate is overweight disease light disease, die responsibility already by invalidation.

The die responsibility of product of serious illness risk is common have 3 kinds of cases: Die is returned return insurance cost, die to return return cost of money, die to return still keep the specified number.

Both amount often is compared before small, cannot cover the economic gap that die of domestic economy pillar brings; Although die is returned,still keep the specified number, still also cannot replace birthday danger, because keep the specified number not quite tall.

Serious illness risk is common protect the forehead to be in commonly 30-50 ten thousand, if you live in city of line of just a little, can discover the capital of 500 thousand makes the same score booth to be borrowed in the room, on provide for the aged and education, cannot maintain a few years at all.

5

Bought accident a place difficult of access,

Still need to buy birthday a place difficult of access?

Besides the doubt that can replace birthday danger besides serious illness risk, return somebody to be able to ask: Accident danger can compensate die, accident danger need not buy birthday a place difficult of access?

The die that brings about outside Fu Yi of compensate of be confined to only nearly accidentally, die safeguard range is narrower, and had said before us, birthday danger ensures accident die, disease die, in guarantee slip become effective after two years, commit suicide even general also can compensate, can say, birthday danger is quick to die compensate Fu Zuishuang assurance.

So, still be conscientiously gives birthday a place difficult of access was bought, besides, birthday danger does not need to be configured to family person, it is good to should be bought to economic pillar only, won't have very great insurance cost pressure.

6

Many years old 50, need buys lifelong birthday a place difficult of access

Keep brushstroke money to the child later?

The dish friend that has 50 many years old for many times seeks advice from dish to protect, otherwise should buy a lifelong birthday a place difficult of access, walked along it may not be a bad idea to leave brushstroke money to give the child later.

Heart of parents of really pitiful the world.

To this problem, dish protects a proposal to do his safeguard above all sufficient, in case have what ailment, also insurance is being carried, unapt bring too great economy burden to the child, the assurance that 50 years old of parents want is configured, can click here to review.

Visit oneself small national treasury again next, decide save money of fund of provide for the aged is enough first, go considering lifelong birthday risk again.

It is very important that money of provide for the aged gets ready, not only how can oneself raise old age, also can ease pressure of provide for the aged.

Additional, the insurance cost of lifelong birthday danger is very expensive, want intentional manage to prepare, if you are not short of this to choose the word of insurance cost money really,do not pass, still also can consider.

7

The more cheap birthday danger after check-up,

Should consider?

Some birthday danger avoids check-up edition on edition of check of wired private parts and line, and it is cheaper that the insurance cost of edition of the check-up below the line often wants, a lot of people are enchanted, this year of petty gain a bit, came down a few years to save a large sum of money.

Wait a moment, not right oneself healthy state is too self-confident, do not think to be able to eat at ordinary times can drink can sleep to be done not have with respect to what thing.

A lot of indisposition are not big to daily life influence, but reflecting can is meeting influence is cast on check-up report those who protect, the instance that the check-up before because cast,be being protected discovers to healthy issue outcome is protected by refus is true still many.

Additional, what need reminds is, the check-up charge of edition of the check-up below the line is commonly at one's own expenses.

Still do it carefully, risking the venture that is maintained by refus to experience edition of check of wire private parts easily.

About birthday danger, everybody compares the problem of the care, dish is protected today first here, below one, dish is protected will tell to everybody tell how to choose an outstanding birthday risk.