保險任意門

關於部落格
幸福人生的後盾~~保險首要+理財投資的修練
「免費保單健檢服務」即將開跑...
  • 11337

    累積人氣

  • 0

    今日人氣

    0

    訂閱人氣

節流也很重要

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">「會賺錢的未必是型男,是型男的又未必會賺錢。」但是,這句話對理柏研究經理馮志源而言,卻未必適用。曾經遊歷過世界各國,也曾在西藏喜馬拉雅山的山腳下遙望遠端的聖母峰,熱愛旅遊的馮志源表示,他每年平均都會出國兩次,所以光是在旅遊上的開銷,每年就要花上大約五到六萬;若再加上每年大約四、五萬的製裝費,外加舞台劇、運動健身、音樂會上的開銷,全年下來的花費,十五萬一定跑不掉。</span><font face="Times New Roman">&nbsp;<br /></font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 馮志源表示,在以消費為主的社會型態裡,人人都想成為型男或靚女。不過,既然每個人的特色不同,型男與靚女的標準也就因人而義;所以若要當型男,只要在生活上肯花心思,同時也肯積極理財的話,一定可以既能當上型男,又能維持收支平衡。</span><font face="Times New Roman">&nbsp;<br /></font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 其實根據業者統計,無論你的年齡是屬於青年型男還是壯年型男,只要每個越肯花上大約二萬到二萬三千元左右的金額,並投資在報酬率七到一○%的商品上,一整年下來,連同本金加獲利,一定可以達到一般型男開銷的水準。</span><font face="Times New Roman">&nbsp;<br /></font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 不過,除了積極開源外,節流對型男養成也相當重要。馮志源表示,以他自己為例,只要買衣服,沒有折扣就絕對不會購買;而且即使是折扣,也要打到三折或五折才會選購。如果是看舞台劇或音樂會,若沒有真正好的內容或演出,也不會輕易嘗試。</span><font face="Times New Roman">&nbsp;<br /></font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 馮志源建議,<font color="#800080">對於剛工作沒多久的上班族而言,基於所得有限的關係,不妨布局積極型的基金商品。譬如新興市場基金、原物料或替代能源等特定產業的基金,都是可以選擇的標的之一。</font></span><font face="Times New Roman" color="#800080">&nbsp;<br /></font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 不過,<font color="#800080">若要布局股票,馮志源則建議,不妨投資大型績優股或權值股,尤其像中鋼、鴻海、台塑四寶等股票為佳,因為這些股票每年都可以享受穩定的配息,而且風險並不高。</font></span><font face="Times New Roman" color="#800080">&nbsp;<br /></font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> 然而,儘管投資的方法很多,但馮志源補充,若是青年型男,在節流上的功夫最好要多過開源,譬如若要買西裝,買個一、兩萬的就好,不用非得花上五萬元去買一套</span><span lang="EN-US"><font face="Times New Roman">AMARNI</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">。總之,無論是要當青年型男還是熟年型男,量力而為、開源節流,都是樣樣不可少。</span></font></p>
繼續閱讀

頂級家庭 六成所得來自股利

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">&amp;&amp; <font color="#993300">so, 你不理財,財不理你呦...<br /></font><br />根據財政部的所得申報資料,我國頂級家庭收入來源中,約有六成是來自股利所得,薪資僅佔二成,<font color="#800000">顯然員工分紅、股票投資是致富的主要原因</font>。但是,在M型社會的另一端,貧窮家庭的薪資佔其所得的七成以上,股利則僅約五%。</span></font><span lang="EN-US"><font size="3"><font face="Times New Roman">&nbsp;
<p>&nbsp;</p>
</font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">財稅資料中心個人綜合所得稅統計資料顯示,歷年來淨所得在一千萬元以上的頂級家庭的十類所得之中,以股利所得占最大宗。以近幾年資料看大約占六成左右。</span><span lang="EN-US"><font face="Times New Roman">&nbsp;</font></span></font><span lang="EN-US"><font size="3"><font face="Times New Roman">&nbsp;
<p>&nbsp;</p>
</font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">在頂級家庭中,九十二年約有二七一八家,平均所得四四七九萬元,主要來源是股利所得達二六六七萬元,占五九.五五%;而其平均薪資所得為五八一萬元,占一二.九八%,顯示高薪資階級是邊際稅率最高的一群。</span><span lang="EN-US"><font face="Times New Roman">&nbsp;</font></span></font><span lang="EN-US"><font size="3"><font face="Times New Roman">&nbsp;
<p>&nbsp;</p>
</font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">在九十三年的所得申報統計中,頂級家庭家數增多了,變為五四七九家,但平均所得下降,為二九七二萬元,其中股利所得為一九二四萬元,比九十二年少七百多萬元,顯示受到股利縮水影響,占其總所得比重的六四.七四%;而其平均薪資所得為五八○萬元,占一九.五二%。</span><span lang="EN-US"><font face="Times New Roman">&nbsp;</font></span></font><span lang="EN-US"><font size="3"><font face="Times New Roman">&nbsp;
<p>&nbsp;</p>
</font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;&nbsp;&nbsp; </font></span></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><font color="#ff0000">有趣的是頂級家庭的利息所得都很低</font>,例如九十二年平均利息只有四三萬元,不到一%;九十三年也是二七萬元,顯然頂級家庭並不偏好以定存理財。</span><span lang="EN-US"><font face="Times New Roman">&nbsp;</font></span></font><span lang="EN-US"><font size="3"><font face="Times New Roman">&nbsp;
<p>&nbsp;</p>
</font></font></span></p>
<span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">此外,<font color="#ff0000">執行業務所得在頂級家庭收入也很低</font>,九十二年平均只有三八萬元,九十三年四七萬元,也和一般人以為醫師、會計師等專<span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">業執行業者屬於社會上高收入一族的印象不一致。</span></span>
繼續閱讀

意外險 乩童比機師更危險

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: -54pt; mso-char-indent-count: -5.4; mso-char-indent-size: 10.0pt"><span style="FONT-SIZE: 10pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt">一般上班族<br />
<table style="WIDTH: 479pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="639" border="0" x:str="">
<colgroup><col style="WIDTH: 479pt; mso-width-source: userset; mso-width-alt: 20448" width="639"></col></colgroup>
<tbody>
<tr style="HEIGHT: 49.5pt" height="66">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 49.5pt; BACKGROUND-COLOR: transparent" width="639" height="66" x:str=" 一般上班族的意外險保費,平均一年繳三、五千元就差不多,有個族群,意外險保費,一年要上萬,那就是空姐、空少、機師,如果投保千萬意外險保額,一年保費恐怕要將近十萬元 ">
<p align="left"><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>一般上班族的意外險保費,平均一年繳三、五千元就差不多,<br />有個族群,意外險保費,一年要上萬,那就是空姐、空少、機師,<br />如果投保千萬意外險保額,一年保費恐怕要將近十萬元<span style="mso-spacerun: yes">&nbsp;</span></font></p>
</td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 33pt" height="44">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 33pt; BACKGROUND-COLOR: transparent" width="639" height="44" x:str=" 英姿煥發的機師、光鮮亮麗的空姐,這些高收入、人人稱羨的職業,但卻是產壽險公司意外險職業等級中最危險等級,要保意外險,一年得先替自己準備五、六萬元繳保費。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>英姿煥發的機師、光鮮亮麗的空姐,這些高收入、人人稱羨的職業<br />,但卻是產壽險公司意外險職業等級中最危險等級,要保意外險,<br />一年得先替自己準備五、六萬元繳保費。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22" x:str=" 一、危險等級愈高、保費愈貴。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>一、危險等級愈高、保費愈貴。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 33pt" height="44">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 33pt; BACKGROUND-COLOR: transparent" width="639" height="44" x:str=" 因為意外險保費,是隨著自己的工作類型不同而有差異,產、壽險公司都有賣個人意外險,將職業等級分成六級,第一級是最安全,保費最便宜,第六級最危險,保費也最貴。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>因為意外險保費,是<font color="#ff0000">隨著自己的工作類型不同而有差異</font>,<br />產、壽險公司都有賣個人意外險,將職業等級分成六級,<br />第一級是最安全,保費最便宜,第六級最危險,保費也最貴。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 33pt" height="44">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 33pt; BACKGROUND-COLOR: transparent" width="639" height="44" x:str=" 泰安產險副總經理陳嘉文表示,這些高風險職業是屬於保險公司意外險職業等級中最高的第六級,非常容易被列為拒保對象,就算真有保險公司願意承保,費率也超高。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>泰安產險副總經理陳嘉文表示,這些高風險職業是屬於保險公司<br />意外險職業等級中最高的第六級,非常容易被列為拒保對象,<br />就算真有保險公司願意承保,費率也超高。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22" x:str=" 二、做乩童比當刑警更危險。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>二、做乩童比當刑警更危險。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 33pt" height="44">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 33pt; BACKGROUND-COLOR: transparent" width="639" height="44" x:str=" 保險公司人員說,在保險公司的評估中,做乩童比當刑警還危險,是在拒保的職業類別中,至於高風險族群的保費,陳嘉文說,意外險保費大約是一般內勤人員的四.五倍。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>保險公司人員說,在保險公司的評估中,做乩童比當刑警還危險,<br />是在拒保的職業類別中,至於高風險族群的保費,陳嘉文說,<br />意外險保費大約是一般內勤人員的四.五倍。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22" x:str=" 三、空勤人員、戰地記者保險公司拒保。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>三、空勤人員、戰地記者保險公司拒保。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 49.5pt" height="66">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 49.5pt; BACKGROUND-COLOR: transparent" width="639" height="66" x:str=" 這些職業的從業人員,部分產、壽險公司願意承保意外險,但有些機場、旅遊業的工作人員,想保意外險,保險公司根本不考慮,直接拒保。富邦產險表示,包含試飛員、緊急救難小組、國內泛舟安全人員等,因為從事職業相當容易發生危險。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>這些職業的從業人員,部分產、壽險公司願意承保意外險,<br />但有些機場、旅遊業的工作人員,想保意外險,保險公司根本不考慮<br />,直接拒保。富邦產險表示,包含試飛員、緊急救難小組、<br />國內泛舟安全人員等,因為從事職業相當容易發生危險。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 33pt" height="44">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 33pt; BACKGROUND-COLOR: transparent" width="639" height="44" x:str=" 一發生危機事故,不是輕傷,大多都會身故或全殘,保險公司要承擔的風險太大,連高額保費都不收了,直接就拒保。 "><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>一發生危機事故,不是輕傷,大多都會身故或全殘,保險公司要<br />承擔的風險太大,連高額保費都不收了,直接就拒保。<span style="mso-spacerun: yes">&nbsp;</span></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22"><font size="3"></font></td>
</tr>
<tr style="HEIGHT: 33pt" height="44">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 33pt; BACKGROUND-COLOR: transparent" width="639" height="44"><font size="3"><span style="mso-spacerun: yes">&nbsp;&nbsp;&nbsp; </span>高風險職業人員多半是集體投保,由公司出面跟產險公司洽談,<br />才能投保成功,如果個別向產、壽險公司投保,很容易被拒絕。<br /><br />&amp;&amp; <font color="#ff6600">so, 換工作務必通知保險公司,免的意外險理賠被打折囉....</font></font></td>
</tr>
<tr style="HEIGHT: 16.5pt" height="22">
<td class="xl24" style="BORDER-RIGHT: #f2ecd7; BORDER-TOP: #f2ecd7; BORDER-LEFT: #f2ecd7; WIDTH: 479pt; BORDER-BOTTOM: #f2ecd7; HEIGHT: 16.5pt; BACKGROUND-COLOR: transparent" width="639" height="22">&nbsp;</td>
</tr>
</tbody>
</table>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: -54pt; mso-char-indent-count: -5.4; mso-char-indent-size: 10.0pt"><span style="FONT-SIZE: 10pt; mso-bidi-font-size: 12.0pt"><span style="mso-spacerun: yes"><font face="Times New Roman">&nbsp;</font></span></span><span style="FONT-SIZE: 10pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt">一般上班族</span></p>
</span></p>
繼續閱讀

實支實付、定額給付大不同 加保醫療險 理賠權益先搞懂

<span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">根據一項最新的調查顯示,國內已經投保的民眾最想再加保的保險是醫療險,顯示越來越多民眾已經意識到自己在醫療險上的不足,壽險業者建議民眾,健康險要買的足夠最重要要先了解購買目的和需求</span><span style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"> </span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">,並且明白保單條款中的定義以保障理賠的權益。</span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體">&nbsp;<br /><br /><br /></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">  根據現代保險金融理財雜誌今年的調查發現,保險觀念逐漸受到國人重視,其中已投保者想要再加買的首選是「醫療險」,平均每十位受訪者就有六位想加買醫療險。顯示這幾年民眾在健保財務虧損、各</span><span style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"> </span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">項醫療費用不斷上漲及無上限終身醫療險陸續停賣的刺激下,對健康險的需求大增。</span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體">&nbsp;<br /><br /><br /></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">  壽險業者表示,民眾不妨問問自己:我為什麼要買醫療險?其實答案不外乎就是<span style="COLOR: purple">擔心生病住院要彌補醫療費用的補償,或是因此無法工作造成收入中斷的損失,不然就是擔心造成家人的沉重負擔。</span></span><span style="FONT-SIZE: 12pt; COLOR: purple; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體">&nbsp;<br /></span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"><br /><br /></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">  至於要買多少,例如住院日額一千元或是三千元,這部分則和自己的預算以及對於醫療品質的要求有關。</span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體">&nbsp;<br /><br /><br /></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">  既然醫療險主要可以提供住院、治療上費用的補償,民眾就應該要知道自己買的醫療險怎麼理賠?有哪些限制?</span><span style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"> </span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA"> 醫療險依給付方式可分為「定額給付」、「實支實付」型。<span style="COLOR: red">所謂實支實付,簡單來說,就是用多少就可申請多少理賠金(不過通常有限額)</span>;<span style="COLOR: green">定額給付則是不論被保險人實際支出多少醫療費,你買日額型</span></span><span style="FONT-SIZE: 12pt; COLOR: green; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"> </span><span style="FONT-SIZE: 12pt; COLOR: green; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">兩千,就是一天理賠兩千元。</span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">經常聽說的所謂「二擇一」,就是針對醫療險這兩大功能都投保,等到醫療時候再選擇對自己較有利的理賠方式。</span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體">&nbsp;<br /><br /><br /></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">  保誠人壽指出,一般若險種名稱載有「日額型」、「定額型」用語</span><span style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體"> </span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">,即是屬定額給付;若是用「限額型」、「限額給付」等之用語,多是屬實支實付型。<br /></span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: &quot;Times New Roman&quot;; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA; mso-fareast-font-family: 新細明體">&nbsp;<br /><br /></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-TW; mso-bidi-language: AR-SA">  至於想要再加保的民眾應該注意哪些事項?宏泰人壽建議,一般醫療險可依照本身預算和對醫療品質要求去增加日額的額度或是搭配保費便宜的定期險,若是購買終身醫療可以檢視一下是終身型(理賠無上限)還是限額型(額度用完契約終止)?看看有無無門診給付?門診手術?等等。</span>
繼續閱讀

保單也需要專業體檢

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">近幾年國人對保險接受度大為提高,截至</span><span lang="EN-US"><font face="Times New Roman">2005</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年底,投保率已達</span><span lang="EN-US"><font face="Times New Roman">176%</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">,等於平均每個人有</span><span lang="EN-US"><font face="Times New Roman">1.76</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">張保單。不過,有保單並不代表「保障足夠」或是「保得恰恰好」,因為國人的平均保額才</span><span lang="EN-US"><font face="Times New Roman">77</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬元,如果是單身王老五,這樣的保額只夠拿來抵付喪葬費;有家室的人,光靠</span><span lang="EN-US"><font face="Times New Roman">77</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬元的保障,如何支應一家子未來的生活花費?</span></font><font size="3"><span lang="EN-US"><font face="Times New Roman">&nbsp;<br /><br /><br /></font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">買了保險,卻買錯險種,或是保障重點不夠集中,都是常見的狀況,這也是每個人都需要定期檢視保單的主因。專門提供保單體檢功能的厚浦系統公司執行長吳桐表示:「<span style="COLOR: purple">保單體檢就跟身體健康檢查的道理一樣,主要目的在於了解現有的保單組合是否仍然符合目前的需求。</span>」</span></font><font size="3"><span lang="EN-US"><font face="Times New Roman">&nbsp;<br /><br /><br /></font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">在人生的不同階段,每個人所需要的保障不盡相同。一般而言,影響保障需求的變數有年齡、婚姻狀態、收入、負債多寡、健康情況、扶養人口多寡等,這些變數所計算出來的保障需求缺口便會因人而異。也就是說,即使張三、李四與王五都是</span><span lang="EN-US"><font face="Times New Roman">30</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">歲,但</span><span lang="EN-US"><font face="Times New Roman">3</font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">個人所需要的保障也可能迥異。</span></font><span class="topic1"><span lang="EN-US" style="mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-ansi-font-size: 12.0pt">
<p>&nbsp;</p>
</span></span></p>
<p>&nbsp;</p>
繼續閱讀

駕駛車 最好加高第三人責任險

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><font size="3">新車車主,多半會保到甲式車損險,這是對愛車保障,但少有人注意到對人的保障,產險公司表示,開著好車車主,最好能加高第三人責任險保障,除了計算車禍造成傷害該付金額外,法院還會根據車主開的車種、經濟能力,去衡量賠款大小。</font></span><font size="3"><span lang="EN-US"><font face="Times New Roman">&nbsp;<br /><br /></font></span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">  開車上路,最麻煩的不是車碰車意外,而是人員傷亡,因為求償金</span><font face="Times New Roman"> </font><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">額很有可能會超過自己身家財產。</span></font></p>
繼續閱讀

樹頭站厚栽~不怕樹尾做風颱

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0; mso-char-indent-size: 12.0pt"><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">少子化的時代,父母特別捨得把錢花在小孩身上,就連保險也一樣</span><font face="Times New Roman"> </font><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">。</span></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">不過,壽險業者表示,家長們最常見的<span style="COLOR: red">錯誤投保觀念就是:幫小孩買一堆儲蓄險,自己的保障卻嚴重不足!</span></span><span style="COLOR: red"><font face="Times New Roman">&nbsp;<img alt="" src="http://pics.blog.yam.com/images/smiley/msn/taface32.gif" /></font></span></font><span lang="EN-US"><font size="3"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;<br /></font></font></span>&nbsp;</p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0; mso-char-indent-size: 12.0pt"><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">現代父母常犯的錯誤是本身保障不夠或根本沒有</span><span style="FONT-FAMILY: 新細明體">“</span><font face="Times New Roman"> </font><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">保險</span><span style="FONT-FAMILY: 新細明體">”</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">,卻為小孩子購買高保費的儲蓄險,想作為小孩子未來的教育基金。其實萬一父母親生病或受傷,家裏突然沒有經濟來源或收入減少</span><font face="Times New Roman"> </font><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">,一家人陷入困境,繳不起小孩的保費,結果讓保單失效,也就失去了購買的原意了。</span><font face="Times New Roman"> </font></font></p>
<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt; mso-char-indent-count: 2.0; mso-char-indent-size: 12.0pt"><span lang="EN-US"><br /></span><font size="3"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">因此<span style="COLOR: red">父母親保障足夠後,再來為小孩子規劃保障型保險</span>,真有多餘的錢最後再考慮為小孩購買儲蓄型保險才是正確的作法,千萬不要本末倒置了!</span><font face="Times New Roman"> </font><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"> </span></font></p>
繼續閱讀
網誌分類篩選
收起分類
分類篩選
相簿設定
標籤設定
相簿狀態