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寿险以被保险人死亡为保险标的。所谓寿险保障期限的长短的选择,即选择定期寿险还是终身寿险,始终是困扰投保人的问题。案例小徐,24岁,某银行普通职员,年薪4万元,有社保无负债,目前与父母住在一起。张先生,33岁,某外企部门主管,年薪14万元,有社保。个人住房两套,其中一套无负债,一套按揭房贷60万元,期限20年。刘先生,45岁,国内某知名律师事务所资深律师,年薪60万元以上,有房有车无任何负债,有社保且购买过部分商业保险。
Life insurance to the insured death as the subject of insurance. The so-called choice of the length of life insurance coverage, that is, life insurance or regular life insurance is always bothering policyholders. Case Xu, 24 years old, a bank ordinary staff, annual salary 40,000 yuan, there is no social security liabilities, currently living with their parents. Mr. Zhang, aged 33, a department in charge of a foreign enterprise, has an annual salary of 140,000 yuan and social security. Two sets of individual housing, one of the debt-free, a mortgage mortgage 600,000 yuan, a period of 20 years. Mr. Liu, aged 45, is a senior lawyer in a well-known domestic law firm with an annual salary of more than 600,000 yuan. There is no debt for a car in a room, some social insurance and some commercial insurance.