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蒋女士,37岁,理财规划师;先生,38岁,合资企业中层管理干部。双方月收入稳定,家庭年总收入50万元。孩子今年4岁,双方父母需赡养,是典型的421家庭结构。虽然目前无负债,但家庭责任及未来养老是必须要面对的。目前,蒋女士与先生除公司提供的社保外,还为自己和先生分别购买了终身寿险和万能保险,自己寿险保额120万元,重疾险保额100万元,并额外配置了100万元保额的高端医疗险;先生寿险保额230万元,重疾险保额60万元。在宝宝刚出生时,就为她购买了储蓄型保险,2岁时又购买了终身年金保险。为父母购买了100万元的高端医疗。
Ms. Chiang, aged 37, financial planner; Mr., 38, middle management of joint ventures. The monthly income of both parties is stable, with a total annual household income of 500,000 yuan. Children 4 years old this year, both parents need support, is a typical 421 family structure. Although there is no current indebtedness, family responsibilities and future pension needs to be met. At present, Madam Jiang and her husband, in addition to the social security provided by the company, also purchase life-long life insurance and universal insurance for themselves and their husbands respectively, with their life insurance coverage of 1.2 million yuan and serious disease insurance coverage of 1 million yuan, with an additional 1 million Yuan insurance amount of high-end medical insurance; life life insurance amount 2.3 million, heavy illness insurance amount 600,000 yuan. When the baby was born, she bought a savings-type insurance for her and, at the age of 2, she bought life-long annuity insurance. Parents bought 1 million yuan of high-end medical.