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梁女士夫妇人到中年,家庭收入不菲。面临女儿大额的留学费用,如何既能有效抵御人生风险,又能积累足够的养老金,为颐养天年提前做好准备,让梁女士夫妇颇费脑筋。传统的均衡费率的消费型保险,费率在保障期(一般20至30年)内进行平滑,对于强调5年至10年保障期限的中年夫妇而言,性价比并非最佳。而风险保费根据实际年龄确定的保险产品,对于梁女士夫妇是不二之选。
Ms. Liang couples to middle-aged, family income is high. In the face of her daughter’s large study abroad fee, how to not only effectively guard against the risk of life, but also accumulate enough pensions to prepare for the advancement of her husband in advance, so that Ms. Liang couples have a lot of brains. The traditional equilibrium rate of consumer insurance, the rate during the protection period (usually 20 to 30 years) smoothing, for emphasis on 5 to 10 years of the middle-aged couple, the price is not the best. The risk premium determined according to the actual age of insurance products, Ms. Liang couple is the best choice.