贺先生,41岁,某广告公司老总;妻子吴女士,40岁,某大型国企总会计师;儿子小宝,10岁,小学4年级在读。贺先生夫妻二人年底一次性收入除去日常消费、贷款、子女教育、赡养父母等支出后,净剩10万元,因相应的投资已具备,故贺先生想将这笔收入全部用来购买保险,那么贺先生年终收入应如何进行保险专项的筹划? Mr. He, aged 41, an advertising company boss; wife, Ms. Wu, 40 years old, a large state-owned chief accountant; son Andy, 10 years old, primary 4 in reading. Mr. He husband and wife one-time income of the end of the year except for daily spending, loans, education of children, parents and other expenditures, the net left 100,000 yuan, due to the corresponding investment already available, so Mr. He would like to use this income to buy insurance , Then Mr. Ho end-year revenue should be how to carry out insurance special planning?