【保险】我该买什么样的保险

2008-07-20 · 2815 阅读

本帖最后由老鼠爱小米于 15-10-2009 01:46 编辑

总是有各个公司的保险顾问向我推销保险，所以想请论坛子里的达人帮分析一下我到底该买什么样的保险。

我的基本情况如下，我SC工作稳定，太太SPR学生, 才买房，还没有小孩（至少两年后）。

未来5到10年应该是在新加坡，10年后可能回中国。基本保险情况如下，公司的group hospital & surgical （1 bed - Restr) 包括我和我太太。

公司的group catastrophic medical 包括我和我太太公司的group term life (24Xbasic salary/m, about 160K)， cover 我自己而已公司的group personal accident (24X),我自己公司的group business travel, 我自己CPF的medical save, 好像最基本的那一种，没有升级成medicalshield（因为不知道有什么好处？）。
这个包括我和我太太。太太还是学生，学校没有保险coverage, 所以另签了一个大东方的pink life, 保30多种妇科疾病，年报费S$1900。

我不喜欢保险和投资混在一起，投资习惯也比较保守，比较喜欢定存和债券，以及长期股票。我也知道还需要买一些自己的保险，但是产品五花八门，顾问各执其说，所以要请达人同志们分析一下

1。我还该买哪些私人的保险并和我公司的保险互补？我目前工作稳定而且就算换公司，一定也有group insurance的

2。我该怎样最优处理我的保险组合

3。市面上有哪些好产品好公司可以推荐？

4。好的保险经纪的标准是什么？我很痛恨那些根本就不了解我背景情况就一股脑儿的要我买这买那的经纪，很不专业，所以碰到这样的人我从来不买。

5。听说保险产品还有防通胀的功能，请问这一功能是如何通过保险实现的？

版块：

投资理财

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回答|共 19 个

dellysunny LV5

发表于 20-7-2008 14:46:00 | 显示全部楼层

主要是看你的需要

需要基本上是客观的，但需要多少就很主观，因人而异。比如我们都知道需要医疗保险，但是有些人会觉得50k就够了，有些人却觉得200k也不够多。一个好的保险经纪是要以客户的需要为中心，给出中肯的建议。所以我个人认为保险经纪是以长期服务为本，这与传统的销售是完全不同的。然而不可否认的是以销售为核心的经纪也的确存在。所以选择一个好的经纪是买保险的重要因素，这样才能保证在未来的10年，20年，乃至更长的时间，你得到的服务是贴心的有效的。另外，个人非常赞成你的保险与投资分开的理念。

[此贴子已经被作者于2008-7-20 15:21:51编辑过]

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robin_li LV1

发表于 20-7-2008 21:16:00 | 显示全部楼层

谢谢dellysunny. 可以分享一下像我这样的情况怎样选择较优的保险组合吗？

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west_top LV6

发表于 20-7-2008 22:54:00 | 显示全部楼层

公司的保险的特征是公司在则保险在，公司不在则保险断。有一些公司的保险比较特别，如果你人离开该公司，但是还可以继续受保，只要你继续交保费就好了。但大多数的公司并不购买该类保险给员工。
 
公司的保险一般只有保障功能，没有退休和储蓄的公用。所以个人的保险不可以单靠公司，还要靠自己。
 
因为你10年后可能回中国，所以应该去买付十年保障一辈子的人寿保险。最大的好处是有退休和储蓄的公用。付款期只有十年，不用担心以后老了的时候还要交钱。另外的好处是即使你十年后离开新加坡，你该付的钱都已经付完了，保障了一辈子，不用在担心到了另外一个国家还要在新加坡留一个银行户头，很麻烦。买人寿的另外一点好处是，你的保费因为年龄的关系，不会太贵。人寿保险和你的年龄，健康关系很大。每次有客户有健康问题，都很麻烦。通常是有些病不保或是增加保费，时间也会拖得很久。
 
医疗保险就要去买个人保险，第一，不贵。第二，永久保障。如果在你没有个人医疗保险的时候住过医院，除非是外伤，不然的话很难买进个人医疗保险。
 
购买保险的顺序，医疗-〉人寿-〉储蓄（退休）-〉投资
 
个人意见，仅供参考，希望有所帮助！

[此贴子已经被作者于2008-7-20 22:57:16编辑过]

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雨茜 LV13

发表于 21-7-2008 12:03:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用robin_li在2008-7-20 14:15:00的发言： 。。。。。。</div>
<div class="msgheader">QUOTE:</div><div class="msgborder">1。我还该买哪些私人的保险并和我公司的保险互补？我目前工作稳定而且就算换公司，一定也有group insurance的2。我该怎样最优处理我的保险组合3。市面上有哪些好产品好公司可以推荐？4。好的保险经纪的标准是什么？我很痛恨那些根本就不了解我背景情况就一股脑儿的要我买这买那的经纪，很不专业，所以碰到这样的人我从来不买。5。听说保险产品还有防通胀的功能，请问这一功能是如何通过保险实现的？ </div>
 
你需要的是一位好的财务规划顾问，能够为你设计保险组合，同时，能够中立地提供产品分析及意见。

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逍遥居士 LV16

发表于 21-7-2008 17:19:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用robin_li在2008-7-20 14:15:00的发言： 总是有各个公司的保险顾问向我推销保险，所以想请论坛子里的达人帮分析一下我到底该买什么样的保险。我的基本情况如下，我SC工作稳定，太太SPR学生, 才买房，还没有小孩（至少两年后）。未来5到10年应该是在新加坡，10年后可能回中国。基本保险情况如下，公司的group hospital & surgical  （1 bed - Restr) 包括我和我太太。公司的group catastrophic medical 包括我和我太太公司的group term life (24Xbasic salary/m, about 160K)， cover 我自己而已公司的group personal accident (24X),我自己公司的group business travel, 我自己CPF的medical save, 好像最基本的那一种，没有升级成medicalshield（因为不知道有什么好处？）。这个包括我和我太太。太太还是学生，学校没有保险coverage, 所以另签了一个大东方的pink life, 保30多种妇科疾病，年报费S$1900。我不喜欢保险和投资混在一起，投资习惯也比较保守，比较喜欢定存和债券，以及长期股票。我也知道还需要买一些自己的保险，但是产品五花八门，顾问各执其说，所以要请达人同志们分析一下1。我还该买哪些私人的保险并和我公司的保险互补？我目前工作稳定而且就算换公司，一定也有group insurance的2。我该怎样最优处理我的保险组合3。市面上有哪些好产品好公司可以推荐？4。好的保险经纪的标准是什么？我很痛恨那些根本就不了解我背景情况就一股脑儿的要我买这买那的经纪，很不专业，所以碰到这样的人我从来不买。5。听说保险产品还有防通胀的功能，请问这一功能是如何通过保险实现的？ </div>
 
坛子里的新人哦
 
 
想看清楚点儿帖子分分段，竟然没那么容易更改

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ajane LV7

发表于 22-7-2008 13:49:00 | 显示全部楼层

我们公司是唯一一间用客户的最后生日年龄（last birthday) 而不象其他公司用下一个生日年龄（next birthday age) 来评估客户，好处除了享有较低的保费以外，对最高年龄也享有多一年的保障。 论坛的规则不知道是不是不可以写出公司的名字。联络我吧 jane-

，我从不随随便便卖一份保单，会要求你把所有的保单都给我做详细的评估。看看是否符合你的要求，我要的是长期的客户关系，而不是卖了就不见掉那种。 就算你最后没有跟我签，你也一定会对本身的保障状况有非常深的了解 老实说保险有那么多，要找一份真正适合你的保障，一定要找对的人。

[此贴子已经被作者于2008-8-12 22:18:19编辑过]

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ajane LV7

发表于 22-7-2008 14:02:00 | 显示全部楼层

看了你的叙述，知道你对medisave和medishield的概念都很模糊。如果你想让我为你做一个详细的评估，帮我准备你所有保单的复印版，正版你一定要让最信任的人帮你保管 jane -

[此贴子已经被作者于2008-8-12 22:32:29编辑过]

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lukefeng LV2

发表于 22-7-2008 16:18:00 | 显示全部楼层

Feng Bin from Great Eastern
附件是保单的一览表和我的一些推荐. 在回复中不能粘贴,所以只好放那里了. 有什么问题, call me @

. Next month, we will launch new products, I also put it in the attachment files.

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lukefeng LV2

发表于 22-7-2008 16:23:00 | 显示全部楼层

Feng Bin from Great Eastern @

<table style="WIDTH: 586pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="780" border="0" x:str>
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<td class="xl43" style="BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">Planner:</td>
<td class="xl50" style="BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84">Feng Bin</td>
<td class="xl44" style="BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="HP:

" / Email: [email protected] ">HP:

/   Email: [email protected] </td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl45" style="BORDER-TOP: medium="medium" none; HEIGHT: 12.75pt" height="17">#</td>
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<td class="xl47" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none">注解</td></tr>
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<td class="xl32" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:str="Restructure A"> Restructure A </td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="is 100% claim? Or="Or" still="still" need="need" to="to" pay="pay" first="first" $1000 and="and" 10% co-insurance? how="how" about="about" you="you" go="go" to="to" private="private" hospital="hospital" ? Is="Is" there="there" any="any" arrangement? And, if="if" the="the" provider="provider" is="is" Aviva, then="then" you="you" have="have" another="another" potential="potential" risk, which="which" you="you" won't ware!!!!"> is 100% claim? Or still need to pay first $1000 and 10% co-insurance? how about you go to private hospital ? Is there any arrangement? And, if the provider is Aviva, then you have another potential risk, which you won't ware!!!! </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl30" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" align="right" width="26" height="18" x:num>2</td>
<td class="xl30" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">self and wife</td>
<td class="xl31" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">Group catastrophic medical</td>
<td class="xl32" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84"> </td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="this no="no" idea"> this no idea </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl30" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" align="right" width="26" height="18" x:num>3</td>
<td class="xl30" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">self</td>
<td class="xl31" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">Group Term Life</td>
<td class="xl32" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="160000"> $    160,000 </td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; WIDTH: 301pt" width="401" rowspan="2" x:str="does it="it" cover="cover" 30="30" major="major" illness? "> does it cover 30 major illness?  </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl30" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" width="26" height="18"> </td>
<td class="xl30" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82"> </td>
<td class="xl31" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">major illness</td>
<td class="xl33" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:str="????"> ???? </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
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<td class="xl32" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="160000"> $    160,000 </td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; WIDTH: 301pt" width="401" rowspan="2" x:str="what does="does" it="it" cover? Does="Does" it="it" cover="cover" any="any" minor="minor" permanent="permanent" disability? Such="Such" as="as" loss="loss" of="of" finger, etc="etc" "> what does it cover? Does it cover any minor permanent disability? Such as loss of finger, etc  </td></tr>
<tr style="HEIGHT: 26.25pt; mso-height-source: userset" height="35">
<td class="xl30" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 26.25pt" width="26" height="35"> </td>
<td class="xl30" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82"> </td>
<td class="xl31" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">major disability? Minor disability?</td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:str="???"> ??? </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
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<td class="xl34" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="good"> good </td></tr>
<tr style="HEIGHT: 41.25pt; mso-height-source: userset" height="55">
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<td class="xl30" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">self and wife</td>
<td class="xl31" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">cpf medical Hospital and surgical plan</td>
<td class="xl35" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:str="basic one"> basic one </td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="Better upgrade="upgrade" to="to" the="the" best="best" one!! And="And" I="I" recomemend="recomemend" Great="Great" Eastern="Eastern" superme="superme" health="health" as="as" blow. Compared="Compared" with="with" other, it's the="the" best!! If="If" you="you" want="want" know="know" more, I="I" can="can" sent="sent" it="it" to="to" you, no="no" here."> Better upgrade to the best one!! And I recomemend Great Eastern superme health as blow. Compared with other, it's the best!! If you want know more, I can sent it to you, no here. </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl30" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" align="right" width="26" height="18" x:num>7</td>
<td class="xl30" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">wife</td>
<td class="xl31" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">pink life</td>
<td class="xl35" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="100000"> $    100,000 </td>
<td class="xl34" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="not very="very" recommend"> not very recommend </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
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<td class="xl42" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401"> </td></tr>
<tr style="HEIGHT: 26.25pt; mso-height-source: userset" height="35">
<td class="xl49" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 94.15pt" width="26" height="125" rowspan="3" x:num>8</td>
<td class="xl49" style="BORDER-TOP: medium="medium" none; WIDTH: 62pt" width="82" rowspan="3">self</td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">flexilife 10 (only pay premium for 10 years)</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84"> </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="the payment="payment" period="period" only="only" 10="10" years, and="and" we="we" still="still" has="has" 15="15" years="years" payment="payment" to="to" choice. It="It" match="match" your="your" time="time" horizon."> the payment period only 10 years, and we still has 15 years payment to choice. It match your time horizon. </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt; HEIGHT: 13.9pt" width="187" height="18">major illness</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84"> </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="30 major="major" illness"> 30 major illness </td></tr>
<tr style="HEIGHT: 54pt; mso-height-source: userset" height="72">
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt; HEIGHT: 54pt" width="187" height="72">Paysure rider (180day)</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="4000"> $        4,000 </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="we can="can" cover="cover" your="your" loss="loss" of="of" income="income" up="up" to="to" 75% your="your" salary="salary" in="in" the="the" event="event" you="you" can't work. Example="Example" is="is" $4000/m. It="It" can="can" be="be" due="due" to="to" accident="accident" or="or" major="major" illness; And="And" just="just" inform="inform" you, the="the" company="company" has="has" the="the" right="right" laid-off you="you" after="after" two="two" months="months" since="since" you="you" get="get" major="major" illness."> we can cover your loss of income up to 75% your salary in the event you can't work. Example is $4000/m. It can be due to accident or major illness; And just inform you, the company has the right laid-off you after two months since you get major illness. </td></tr>
<tr style="HEIGHT: 40.5pt; mso-height-source: userset" height="54">
<td class="xl26" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 40.5pt" align="right" width="26" height="54" x:num>9</td>
<td class="xl26" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">self</td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">smart living term</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="100000"> $    100,000 </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="you are="are" the="the" only="only" one="one" bread="bread" winner. It="It" enhances="enhances" your="your" protection; Most="Most" important, it="it" gives="gives" you="you" a="a" right="right" to="to" convert="convert" it="it" to="to" life="life" insurance="insurance" even="even" you="you" are="are" not="not" insurable."> you are the only one bread winner. It enhances your protection; Most important, it gives you a right to convert it to life insurance even you are not insurable. </td></tr>
<tr style="HEIGHT: 54.75pt; mso-height-source: userset" height="73">
<td class="xl26" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 54.75pt" align="right" width="26" height="73" x:num>10</td>
<td class="xl26" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">wife</td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">supreme health plan</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="500000"> $    500,000 </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="The best="best" hospital="hospital" and="and" surgical="surgical" plan, especially="especially" for="for" female. We="We" are="are" the="the" only="only" one="one" who="who" covers="covers" complication="complication" resulting="resulting" from="from" prangency. There="There" still="still" other="other" benefits, which="which" normal="normal" insurance="insurance" company="company" can't provide!!"> The best hospital and surgical plan, especially for female. We are the only one who covers complication resulting from prangency. There still other benefits, which normal insurance company can't provide!! </td></tr>
<tr style="HEIGHT: 63.75pt; mso-height-source: userset" height="85">
<td class="xl26" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 63.75pt" width="26" height="85"> </td>
<td class="xl26" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82"> </td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">Total shield plus rider/total shield</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="250000"> $    250,000 </td>
<td class="xl38" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401">since your wife is student. It can help 100% claim her hospital and surgical expenses. Additional $30,000 for major illness; It can provide her daily hospital cash $150 so you can apply no-pay leave to take care of her. It's not only cover in Singapore, but even in china, asian and worldwide.</td></tr>
<tr style="HEIGHT: 27pt; mso-height-source: userset" height="36">
<td class="xl26" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 27pt" align="right" width="26" height="36" x:num>11</td>
<td class="xl26" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82" x:str="wife ">wife </td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">Flexilife 10 (only pay premium for 10 years)</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84"> </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401"> </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl26" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" align="right" width="26" height="18" x:num>12</td>
<td class="xl26" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">self</td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">Investment/saving</td>
<td class="xl28" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84"> </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="More complicated, if="if" interested, just="just" let="let" me="me" know.

"> More complicated, if interested, just let me know.

</td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl26" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" align="right" width="26" height="18" x:num>13</td>
<td class="xl26" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82">self</td>
<td class="xl27" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187">accident for minor disability</td>
<td class="xl29" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84" x:num="100000"> $    100,000 </td>
<td class="xl36" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401" x:str="if your="your" group="group" accident="accident" can't apply. Then="Then" this="this" little="little" money="money" can="can" help="help" you."> if your group accident can't apply. Then this little money can help you. </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl41" style="BORDER-TOP: medium="medium" none; WIDTH: 20pt; HEIGHT: 13.9pt" width="26" height="18"> </td>
<td class="xl41" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 62pt" width="82"> </td>
<td class="xl39" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 140pt" width="187"> </td>
<td class="xl40" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 63pt" width="84"> </td>
<td class="xl42" style="BORDER-TOP: medium="medium" none; BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401"> </td></tr>
<tr style="HEIGHT: 13.9pt; mso-height-source: userset" height="18">
<td class="xl25" style="WIDTH: 20pt; HEIGHT: 13.9pt" width="26" height="18"></td>
<td class="xl25" style="WIDTH: 62pt" width="82"></td>
<td class="xl51" style="BORDER-RIGHT: black="black" 0.5pt solid" colspan="2">* Projected Total yearly cash premium</td>
<td class="xl37" style="BORDER-LEFT: medium="medium" none; WIDTH: 301pt" width="401"> </td></tr></tbody></table>

[此贴子已经被作者于2008-7-22 16:29:02编辑过]