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随着社会经济的不断发展和人们理财观念的日益深入,保险已成为和储蓄、债券、股票一样被大众接受和认可的投资工具,特别是现代生活中,人们自我保障意识的崛起。更增添了“未雨绸缪、居安思危”的感性认识,越来越多的居民对含保障性和投资性的人寿保险表现出前所未有的兴趣。 一般来说,选择人寿险种应根据个人的年龄、人生的不同阶段、家庭不同的经济负担以及家庭已有资产的多少来具体规划。当一个人在20岁至40岁时最需得到保险保障,因为此时个人收入较少,家庭负担偏重;而在40岁至60岁这一阶段,由于收入已积累多年,且个人资产随着社会的发展不断增加,而在这时子女也多长大成
With the continuous development of social economy and the deepening of people’s financial management concepts, insurance has become an investment tool accepted and accepted by the public like savings, bonds and stocks. Especially in modern life, people’s awareness of self-protection rises. It has also added perceptual knowledge of “preparing for a rainy day in peace time.” More and more residents have shown unprecedented interest in guaranteed and investment-based life insurance. In general, the choice of life insurance should be based on the individual’s age, different stages of life, the family’s different economic burden and the number of family assets to plan. When a person is most in need of insurance coverage during the 20s and 40s because personal income is less and the family burden is heavier. In the period of 40 to 60, since income has accumulated for many years, personal assets The development of society is constantly increasing, but at this time children grow up