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新婚夫妇共组家庭后,应重新检视单身时期的保单内容,针对新家庭可能出现的各种风险,重新定规划。 1.原来的保险额度够不够?例如:单身时,只有买10万元的保险,但结婚后,需要背负房贷利息,为了避免因意外发生而付不出房贷的风险,至少要将保额提高到大于房贷额度。 2.原来的保障内容适不适合?单身时投保储蓄险,但在婚后发现保费支出是一笔负担时,建议不要轻易解约。可以采取部分更约的方式,变更为保费较为便宜的保障型保单。 3.重新检视保单受益人,单身时购买保单的收益人通常是父母,但在婚后,可以考虑将配偶纳入受益人名单中。在两三年内有生子计划的新婚夫妇
After the newlyweds come together to form a family, they should review the policies in their single life and plan for the various risks that may arise in the new family. For example: single, only to buy 100,000 yuan of insurance, but after marriage, you need to bear the mortgage interest, in order to avoid the risk of failure to pay the mortgage due to accidents, at least to increase the sum insured To be greater than the mortgage line. 2. The original security content is not suitable? Single life savings insurance, but after the marriage premiums are found to be a burden, it is recommended not to terminate the contract. Some can take a more contractual approach, changed to a cheaper premium premium policy. 3. To re-examine the policy beneficiaries, usually the single parent beneficiaries of the purchase policy, but after marriage, may consider the spouse into the list of beneficiaries. In the two or three years have a plan new wife