嘉德理财

【嘉德理财】年轻人打拼事业时应有哪些保障?

字体 -

越来越多处于事业上升期的80、90后,开始关注自己的身体健康和相关保障了。近年来,健身的多了,买商业保险的也越来越多。但仍然有一部分人,每次一提到保险,就感觉是坑人的。其实保险并没有大家想象中那么复杂。

商业保险的本质,就是用少量、可承受的钱(保费),转移极端条件下自己无法承受的损失(保额)。保险就是这样的安全杠杆,小保费撬起大保障。

221 2

很多有孝心的朋友,想到父母年纪大了,就觉得应该给父母先买保险。其实最该买保险的,应该是家庭的经济支柱,也就是事业上升期的80、90后。

从纯经济价值的角度考虑,未来这个年龄段的人,赚的钱应该比爸妈更多,被保险的价值更高。万一发生风险事故,家庭也不至于因为忽然失去经济支柱而影响了生活质量。

另外,老年人买保险要交的保费比年轻人贵得多。所以,还是考虑保险的杠杆功能:越年轻,越能用更小的保费,转移更难以承受的风险。

我们所担心的风险,不外乎健康、意外和死亡风险。

所以,一个较全面的保险组合就可以这样搭配:医疗险+重疾险+寿险。

最后,大家最为关心的问题:如何能更划算地买保险呢?

一是同样的保障范围,消费型的定期保险更便宜。这是因为,消费型保险不带投资、储蓄功能。

二是建议早点投保。像重疾险、医疗险、寿险这类和身体状况相关的保险越年轻保费越低,也不容易被拒保。

如需更多信息,欢迎联系我们。更多话题,请浏览公司网站:www.jdlwealth.com或关注微博:多伦多生活小百科

嘉德理财联系方式

直线:416-303-6537
邮箱:info@jdlwealth.com 
地址:95 Mural St. Unit 105, Richmond Hill, Ontario, Canada, L4B 3G2
微信:jdl4163036537,公众号:torontojdlgroup, 网址: 
http://www.jdlgroup.ca

分享博文至:

8 条评论

  1. Truly when someone doesn’t be aware of afterward its up to other visitors that they will help, so here it occurs.

  2. We are now offering Pet Sitting!

  3. Someone necessarily lend a hand to make seriously articles I’d state. This is the first time I frequented your website page and up to now? I surprised with the analysis you made to create this actual post extraordinary. Wonderful process!

  4. Hello There. I found your blog using msn. This is a very well written article. I will be sure to bookmark it and come back to read more of your useful information. Thanks for the post. I will certainly comeback.

  5. It’s hard to find educated people about this subject, however, you seem like you know what you’re talking about! Thanks

  6. Hi there! I understand this is somewhat off-topic but I had to ask. Does operating a well-established blog such as yours take a lot of work? I’m brand new to blogging however I do write in my journal every day. I’d like to start a blog so I will be able to share my own experience and feelings online. Please let me know if you have any suggestions or tips for new aspiring bloggers. Appreciate it!

  7. Do you could have cracks in your basis partitions or flooring?

  8. Top quality manufacturers of flooring finishes.

发表评论