查看完整版本: [原创]保险规划案例

payzhf 2007-12-1 11:58

[原创]保险规划案例

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><span style="mso-spacerun: yes;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">黄先生</span><span lang="EN-US"><font face="Times New Roman">42</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁，某公司高级管理人员，年收入</span><span lang="EN-US"><font face="Times New Roman">40</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万万，家庭基本生活支出每月</span><span lang="EN-US"><font face="Times New Roman">5000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元，另外目前住房贷款每月还款</span><span lang="EN-US"><font face="Times New Roman">2000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元，汽车消费每月</span><span lang="EN-US"><font face="Times New Roman">1500</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元。黄太太为一般公司管理人员，</span><span lang="EN-US"><font face="Times New Roman">38</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁，年收入</span><span lang="EN-US"><font face="Times New Roman">4</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万。黄先生有一儿一女，儿子</span><span lang="EN-US"><font face="Times New Roman">13</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁，女儿</span><span lang="EN-US"><font face="Times New Roman">7</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁。目前除了公司给其购买的社保外没有其他保险保障。自己擅长股票投资，近两年收益相当丰厚，估计股票账户有资金</span><span lang="EN-US"><font face="Times New Roman">100</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万左右。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">设计思路：黄先生属于高收入、高投资意识、高投资能力的“三高”人士，黄太太收入中等。其一家有车、有房、且有一子一女，属于富裕阶层或“海归系列”。这样的家庭适于低投入、高保障，可根据其需求与偏好设计保险方案。保险计划以保障为主，投资理财计划以基金股票为主。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Times New Roman">&nbsp;</font></p></span></p><p><font face="Times New Roman">&nbsp;</font></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; mso-list: l0 level1 lfo1; tab-stops: list 21.0pt;"><span lang="EN-US" style="mso-bidi-font-family: 宋体;"><span style="mso-list: Ignore;"><font face="Times New Roman">一、</font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">基本保额分析</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">黄先生</span><span lang="EN-US"><font face="Times New Roman">42</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁，至</span><span lang="EN-US"><font face="Times New Roman">60</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁退休还需工作</span><span lang="EN-US"><font face="Times New Roman">18</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年，按</span><span lang="EN-US"><font face="Times New Roman">4%</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">利率计，每月领</span><span lang="EN-US"><font face="Times New Roman">10</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元钱至退休需一次性存</span><span lang="EN-US"><font face="Times New Roman">1538</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元。其家庭月支出为</span><span lang="EN-US"><font face="Times New Roman">5000+2000+1500=8500</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元，黄先生的家庭基本生活保障为</span><span lang="EN-US"><font face="Times New Roman">850</font></span><span lang="EN-US" style="FONT-FAMILY: 宋体;">0</span><span style="FONT-FAMILY: 宋体;">÷<span lang="EN-US">10</span>×<span lang="EN-US">1538=130.73</span>万。<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">黄太太<span lang="EN-US">38</span>岁，</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">至</span><span lang="EN-US"><font face="Times New Roman">55</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">岁退休还需工作</span><span lang="EN-US"><font face="Times New Roman">17</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年，用上述同样方法可算出</span><span style="FONT-FAMILY: 宋体;">黄太太</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">的家庭基本生活保障为</span><span lang="EN-US"><font face="Times New Roman">125.63</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">（这只是一种简单分析，保额偏大。保额计算公式应为：本人寿险保障缺口</span><span lang="EN-US"><font face="Times New Roman">=</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">本人寿险保障需求—本人已有资源）</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; mso-list: l0 level1 lfo1; tab-stops: list 21.0pt;"><span lang="EN-US" style="mso-bidi-font-family: 宋体;"><span style="mso-list: Ignore;"><font face="Times New Roman">二、</font></span></span><span style="FONT-FAMILY: 宋体;">保障需求分析</span></p>
[align=right][color=#000066][此贴子已经被作者于2007-12-1 16:23:44编辑过][/color][/align]

payzhf 2007-12-1 12:19

<span lang="EN-US" style="FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体;"><span style="mso-list: Ignore;"><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><font size="3"><span lang="EN-US" style="FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体;"><span style="mso-list: Ignore;">1、<span style="FONT: 7pt &quot;Times New Roman&quot;;">&nbsp; </span></span></span><span style="FONT-FAMILY: 宋体;">重大疾病及普通住院需求分析</span></font></p><span style="FONT-FAMILY: 宋体;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 宋体; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 144.0pt 216.0pt 276.75pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">项目<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span>黄先生<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp; </span></span>黄太太<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span>儿子<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span>女儿<span lang="EN-US"><p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 215.25pt 329.4pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">重大疾病费用<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>20</span>万<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>万<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>万 <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span lang="EN-US">20</span>万<span lang="EN-US"><p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 215.25pt 329.4pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">社保大病保障<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>50%<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>50%<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>50% <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span>50%<p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 215.25pt 329.4pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">大病缺口<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>10</span>万<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>10</span>万<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>10</span>万 <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span lang="EN-US">10</span>万<span lang="EN-US"><p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 215.25pt 329.4pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">普通住院日花费<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp; </span>400</span>元<span lang="EN-US">/</span>天<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>400</span>元<span lang="EN-US">/</span>天<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>400</span>元<span lang="EN-US">/</span>天 <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span lang="EN-US">400</span>元<span lang="EN-US">/</span>天<span lang="EN-US"><p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 215.25pt 329.4pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">社保报销比例<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>70%<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>70%<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>70% <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span>70%<p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 215.25pt 329.4pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">每日住院补贴额<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp; </span>120</span>元<span lang="EN-US">/</span>天<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>120</span>元<span lang="EN-US">/</span>天<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>120</span>元<span lang="EN-US">/</span>天 <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span><span lang="EN-US">120</span>元<span lang="EN-US">/</span>天<span lang="EN-US"><p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 85.8pt 150.75pt 213.75pt;"><span style="FONT-FAMILY: 宋体;"><font size="3">费用余额比例<span lang="EN-US"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>30%<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>30%<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>30%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <span style="mso-spacerun: yes;">&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;</span>30%<p></p></span></font></span></p><p></p><p></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><font size="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></p></span></span></span></span>
[align=right][color=#000066][此贴子已经被作者于2007-12-1 16:22:27编辑过][/color][/align]

payzhf 2007-12-1 12:27

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><span lang="EN-US" style="mso-fareast-font-family: 'Times New Roman';"><span style="mso-list: Ignore;"><font face="Times New Roman">2、<span style="FONT: 7pt &quot;Times New Roman&quot;;"><font size="3">&nbsp; </font></span></font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';"><font size="3">残疾失能保障需求分析</font></span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">项目</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">黄先生</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">黄太太</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">备注</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">失能后月补偿目标</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span>6000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">元</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>3500</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">元</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">失去工作能力后维持家庭生活所</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 需费用</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">需补偿时间</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>216</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">月</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>204</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">月</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">补偿总额</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>129.6</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>71.4</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">意外医疗需求</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>2</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 95.4pt 149.4pt 203.4pt;"><font size="2"><font size="3"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">意外住院补贴</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>30</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">份</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</font></span></font><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">份</span></font><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></p>
[align=right][color=#000066][此贴子已经被作者于2007-12-1 13:03:42编辑过][/color][/align]

payzhf 2007-12-1 12:33

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><font face="Times New Roman"><span lang="EN-US" style="mso-fareast-font-family: 'Times New Roman';"><span style="mso-list: Ignore;">3、<span style="FONT: 7pt &quot;Times New Roman&quot;;"><font size="3">&nbsp;<span lang="EN-US" style="mso-fareast-font-family: 'Times New Roman';"><span style="mso-list: Ignore;"><span style="FONT: 7pt &quot;Times New Roman&quot;;">&nbsp; </span></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">养老需求分析</span><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;">&nbsp;<p></p><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">目前可用于养老的产品有钟爱一生、鸿祥及万能，与目前市场上的其他投资产品相比（如银行理财产品、基金），我们的养老险回报低，不做主要考虑，可等新的养老产品。黄先生和黄太太的寿险与重疾险选用智盈人生，该万能险有一定的理财功能，可以在</span><span lang="EN-US"><font face="Times New Roman">70</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">岁后适当领取以解决部分养老需求。目前可储备一笔养老基金，投资方向以基金股票为主。</span></p></font></span></span></span></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;">&nbsp;<p></p><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">目前可用于养老的产品有钟爱一生、鸿祥及万能，与目前市场上的其他投资产品相比（如银行理财产品、基金），我们的养老险回报低，不做主要考虑，可等新的养老产品。黄先生和黄太太的寿险与重疾险选用智盈人生，该万能险有一定的理财功能，可以在</span><span lang="EN-US"><font face="Times New Roman">70</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">岁后适当领取以解决部分养老需求。目前可储备一笔养老基金，投资方向以基金股票为主。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; tab-stops: 96.0pt;"><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><span lang="EN-US" style="mso-fareast-font-family: 'Times New Roman';"><span style="mso-list: Ignore;"><font face="Times New Roman">4、<span style="FONT: 7pt &quot;Times New Roman&quot;;"><font size="3">&nbsp; </font></span></font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">子女保险分析</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">黄先生的子女保险需求有医疗保障及子女教育两方面。因未成年人</span><span lang="EN-US"><font face="Times New Roman">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万保额的限制，选用鸿盛组合解决保障需求。教育基金因大学之前的教育费用额度不大主要考虑大学教育金，因世纪星光、世纪彩虹、大学教育金回报较低，不能满足黄先生这样一个投资高手的需求。另外黄先生与太太即将拥有高额保障，即使有意外发生对子女教育金也影响不大。所以教育基金以购买基金的方式解决，主要投资目标是封闭基金、指数基金、</span><span lang="EN-US"><font face="Times New Roman">QDII</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">海外基金（若黄先生有极高的股票投资把握，也可以买部分股票）。</span></p>
[align=right][color=#000066][此贴子已经被作者于2007-12-1 16:14:56编辑过][/color][/align]

payzhf 2007-12-1 12:37

<p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">项目</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">儿子</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">女儿</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">年龄</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>13</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">岁</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>7</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">岁</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">读大学年龄</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>18</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">岁</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>18</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">岁</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">教育基金准备期</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">年</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>11</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">年</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">大学费用</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>80</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>90</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">预计年均收益率</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20%</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">（</span><span lang="EN-US"><font face="Times New Roman">5</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">年内）</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp; </span>15%</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">（</span><span lang="EN-US"><font face="Times New Roman">11</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">年内）</span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">一次性投入资金</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>35</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万</span></p>

苹果 2007-12-1 12:43

<p>LZ真是不错.参考一下!</p>

payzhf 2007-12-1 12:45

<span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';"><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 21pt; TEXT-INDENT: -21pt; mso-list: l1 level1 lfo1; tab-stops: list 21.0pt;"><span lang="EN-US" style="mso-bidi-font-family: 宋体;"><span style="mso-list: Ignore;"><font face="Times New Roman">三、</font></span></span><span style="FONT-FAMILY: 宋体;">保险方案</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo2; tab-stops: list 18.0pt;"><span lang="EN-US" style="FONT-FAMILY: 宋体; mso-bidi-font-family: 宋体;"><span style="mso-list: Ignore;">1、<span style="FONT: 7pt &quot;Times New Roman&quot;;">&nbsp; </span></span></span><span style="FONT-FAMILY: 宋体;">黄先生年交保费<span lang="EN-US">35840</span>元<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">险种<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span>保额<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span>保费<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span></span>交费期<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">智盈人生<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>80</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>3</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;</span>20</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">万能大病<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>50</span>万<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">平安鸿盛<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>2</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>950</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>20</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外伤害<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>100</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>2300</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外残疾<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>100</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>600</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外医疗<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>5</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>318</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外住院收入<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp; </span>30</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>360</span>元 <span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;</span>1</span>年<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">住院日额<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>760</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">住院费用<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>2</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>552</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p class="MsoNormal" align="left" style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: left; tab-stops: 4.0cm 203.4pt;"></p></span>

payzhf 2007-12-1 12:50

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><span lang="EN-US" style="mso-fareast-font-family: &quot;Times New Roman&quot;;"><span style="mso-list: Ignore;"><font face="Times New Roman">2、<span style="FONT: 7pt &quot;Times New Roman&quot;;"><font size="3">&nbsp; </font></span></font></span></span><span style="FONT-FAMILY: 宋体;">黄太太年交保费<span lang="EN-US">11492.5</span>元</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">智盈人生<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>30</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>8000</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">智盈重疾<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>30</span>万<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">平安鸿盛<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>2</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>574</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>30</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外伤害<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>50</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1150</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外残疾<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>50</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>300</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外医疗<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>5</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>318</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外住院收入<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp; </span>20</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>240</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">住院日额<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>520</span>元 <span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">住院费用<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>2</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>376.5</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Times New Roman">&nbsp;</font></p></span></p><p><font face="Times New Roman">&nbsp;</font></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><span lang="EN-US" style="mso-fareast-font-family: &quot;Times New Roman&quot;;"><span style="mso-list: Ignore;"><font face="Times New Roman">3、<span style="FONT: 7pt &quot;Times New Roman&quot;;"><font size="3">&nbsp; </font></span></font></span></span><span style="FONT-FAMILY: 宋体;">男孩年交保费<span lang="EN-US">1892</span>元</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">平安鸿盛<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>5</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1350</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>20</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">鸿盛重疾<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>5</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;</span>275</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外医疗<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>1</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>117</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">住院费用<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>2</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>150</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p>
[align=right][color=#000066][此贴子已经被作者于2007-12-1 12:59:35编辑过][/color][/align]

payzhf 2007-12-1 12:58

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt;"><span lang="EN-US" style="mso-fareast-font-family: 'Times New Roman';"><span style="mso-list: Ignore;"><font face="Times New Roman">4、<span style="FONT: 7pt &quot;Times New Roman&quot;;"><font size="3">&nbsp; </font></span></font></span></span><span style="FONT-FAMILY: 宋体;">女孩年交保费<span lang="EN-US">1830</span>元</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">平安鸿盛<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>5</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1110</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">鸿盛重疾<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>5</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>240</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>20</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">意外医疗<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span><span style="mso-spacerun: yes;">&nbsp;</span>1</span>万<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>117</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体;">住院费用<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp; </span>2</span>份<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>363</span>元<span lang="EN-US"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>1</span>年<span lang="EN-US"><p></p></span></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Times New Roman">&nbsp;</font></p></span></p><p><font face="Times New Roman">&nbsp;</font></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">说明：重大疾病的平均治疗费用为</span><span lang="EN-US"><font face="Times New Roman">10</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">—</span><span lang="EN-US"><font face="Times New Roman">20</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">万，若加上相关费用如营养、护理及自费药品等，需要个人承担的费用很高。在经济条件允许的条件下，保额可适当高一些，以弥补失去健康的损失。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">黄先生一家年交保费</span><span lang="EN-US"><font face="Times New Roman">51</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">元，占黄先生一家年工资收入的</span><span lang="EN-US"><font face="Times New Roman">11.6%</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">，符合一般的投保规则，若加上投资收益，黄先生一家仍保持着很高的投保潜力。对我公司全方位的金融理财服务平台，黄先生非常认同，他希望借助中国平安保险集团的优势使自己的家庭生活得更舒适。</span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><p><font face="Times New Roman">&nbsp;</font></p></span></p><p><font face="Times New Roman">&nbsp;</font></p><p></p><p><font size="3"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">方案制作：平安人寿大连分公司</span><span lang="EN-US"><span style="mso-spacerun: yes;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">杨振峰</span></font></p><p><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';"></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">（说了你都不信，发这个帖用了1个小时。以前也没遇到这样的事呀，一贴表格就超字节限制。大概还是发帖技术有问题）</span></p>
[align=right][color=#000066][此贴子已经被作者于2007-12-1 13:07:34编辑过][/color][/align]

天意 2007-12-2 11:03

<p>斑竹非常的敬业！！</p><p>佩服～～～</p>

payzhf 2007-12-2 11:09

<p>需要啥内容尽管说，尽力满足大家的要求。</p>

奇奇 2007-12-22 10:18

好文章怎么能沉底呢 顶上来和大家分享一下 呵呵

小妞 2007-12-27 08:39

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>payzhf</i>在2007-12-2 11:09:17的发言：</b><br/><p>需要啥内容尽管说，尽力满足大家的要求。</p></div><p>那我以后有什么问题就来坛子里请教了 </p>[em01]

payzhf 2008-1-30 16:12

新产品上市，保险方案调整。
因平安人寿最近推出投资连结保险，上述保险方案可做调整。

保险方案中的智盈人生可换成聚富年年投资连结保险，前提是经济条件好且能承担资本市场风险的客户（因其交费要高于智盈人生）。聚富年年投资连结保险是把保险与基金结合在一起的产品，长期收益预计要高于智盈人生万能寿险，但有风险。

yzy5555 2008-1-31 14:16

理财是很多人关心的问题，怎么才是最好的理财，股票，基金，还是放在银行呢。
股票的风险是所有人都知道的，尤其最近的一年，股市风波很大，基金也是基于股票之下的一种收益。股市里面有多少人是真的挣钱了的呢？你是因为从股市里面挣到钱而买的股票还是听别人的话才买的股票呢？

现在有一种比较理智而且保险的理财方法，假设存入10万元，你将有两个账户：
一：永久收益帐户，每年都会给你10万元4。5%的利息，一直到终身。
二：复利收益帐户，每年后会给你10万元4。5%-5%的复利，一直到终身。

一个30岁的人投入了20万，我们看看他的收益把。
存入10年的时候，他的累积收益基本达到了11万，也许你觉得平不是很理想。
存入20年的时候，他的累积收益基本达到了28万，这回呢，还不理想。
存入30年的时候，他的累积收益基本达到了50万，不错了吧。
存入50年的时候，他的累积收益基本达到了123万。
在这里我还要说一下，那就是这些是他的纯收益，并没有把本金算在里面。
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