The Importance of Insurance

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves! Have you ever heard of doctors falling sick, or Financial Advisors submitting a medical claim for themselves? Are they superhuman or do they have the immunity against sickness and unfortunate events? The answer is no, like anyone of us, chances of meeting with unfortunate events are the same, after all we are only human. And this is where having insurance is important.

For those in the 20s that have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over. Most common policies that are being passed over is the medical insurance policy; since premium is payable via CPF and even with rider, the premium is manageable due to young age. Essentially it helps take care of the medical cost in the event of hospitalisation. In addition, for Singaporeans and SPRs, the moment you receive your first CPF working contribution, and you will be automatically included under Dependant Protection Scheme (DPS)[1], a term insurance plan that provides coverage of $46,000 up to 60 years old in the event of death or Total Permanent Disability (TPD). Yearly premiums for DPS can be paid using your CPF savings or cash. At this stage, it will also be worthwhile to have your most important asset protected, and that is the ability to earn an income.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse do not have to worry about the remaining mortgage and your children’s education need becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for a long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to sit down with a financial advisor to assist you in understanding your current life situation, identifying your needs and to ensure that you are not under or over-insured.

DPS is offered to Singaporeans and SPRs on an opt-out basis, eligibility for coverage is still subject to the insured being in good health, and he/she must declare and fully disclose all health-related information. For more information, please refer to: https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/dependants-protection-scheme

Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves! Have you ever heard of doctors falling sick, or Financial Advisors submitting a medical claim for themselves? Are they superhuman or do they have the immunity against sickness and unfortunate events? The answer is no, like anyone of us, chances of meeting with unfortunate events are the same, after all we are only human. And this is where having insurance is important.

For those in their 20s who have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to sit down with a financial advisor to assist you in understanding your current life situation, identifying your needs and to ensure that you are not under or over-insured.

Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves! Have you ever heard of doctors falling sick, or Financial Advisors submitting a medical claim for themselves? Are they superhuman or do they have the immunity against sickness and unfortunate events? The answer is no. Like any one of us, the chances of meeting unfortunate events are the same, after all we are only human. And this is exactly why having insurance protection is important.

If you are in your 20s and had just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment. Examples of which might be related to car loans, mortgage loans as a result of buying a condo or townhouse, or other loans that need to be paid off. Ensuring that your surviving spouse do not have to worry about the remaining loans and your children’s educational needs becomes your priority. Any surplus that you can have at this stage should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are already grown-ups, the need for a long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health will increase with age.

Every one of us is different, hence there is a need to sit down with a financial advisor to assist you in understanding your current life situation, identifying your needs and to ensure that you are not under or over-insured.

Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves! Have you ever heard of doctors falling sick, or Financial Advisors submitting a medical claim for themselves? Are they superhuman or do they have the immunity against sickness and unfortunate events? The answer is no, like anyone of us, chances of meeting with unfortunate events are the same, after all we are only human. And this is where having insurance is important.

For those in the 20s that have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse do not have to worry about the remaining mortgage and your children’s education need becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for a long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to sit down with a financial advisor to assist you in understanding your current life situation, identifying your needs and to ensure that you are not under or over-insured.

Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

人们普遍相信“有些事不会发生在我身上”，这往往会导致许多人忘记制定一份充足的保险计划来保护他们财富的源头——他们自己！您听说过医生得病、或者理财顾问为自己提交医保索赔申请吗？他们是超人还是他们对疾病和不幸具有“免疫力”？答案是否定的，他们和我们一样，每个人遭遇不幸的机会是一样的，毕竟我们都只是肉体凡胎。这就是拥有保险的重要性。

对20多岁的年轻人来说，刚刚开始工作，您可能没有太多的债务，最多是一些助学贷款，因此对保险可能没有太多需求。然而，这可能是开始了解保险及其重要性的好时机，因为这时父母可能会把为您购买的保单交给您接管。

对于年轻的已婚夫妇来说，会有比较多的财务开支，比如房贷、车贷，甚至是育儿基金。您必须确保有一天如果自己出事，您的配偶不必担心剩下的贷款和您子女的教育经费。在这个阶段，您收入的每一分盈余都应该存入您的退休养老基金，为养老存钱越早越好。

对老年夫妇来说，此时您的子女已经成年，万一您因为疾病或行动不便而无法照顾自己，拥有一项每月固定收益的长期医保产品将显得尤为重要。此外，审核一下您的医保条款也会对您有好处，以确保这些保险条款覆盖到位并且及时更新，因为随着年龄的增长，在健康上的花费也会越来越多。

我们每个人的情况都是不同的，因此有必要与理财顾问聊一聊，协助您了解当前的生活状况、识别您的需求，并确保您没有保障不足或过度投保。

免责声明：以上信息由怡安翰威特咨询（上海）有限公司（注册号310000400102466）提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求，因此，上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前，请考虑您的具体投资目标、财务状况或特殊需求，并向理财顾问咨询相关投资产品的适用性。此外，建议您在必要时获取其他专业建议。以上信息出于善意提供，在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源，以获取准确的最新一手信息。

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves!

For those in their 20s who have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to understand your current life situation, identifying your needs and to ensure that you are not under or over-insured.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves!

For those in their 20s who have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to understand your current life situation, identifying your needs and to ensure that you are not under or over-insured.

Author is not a financial advisor, tax professional or legal advisor. The article and its content is for informational purposes only, reader should not construe any such information or other material as legal, tax, investment, financial, or other advice. All information, data, strategies, reports, articles and all other features of this article are provided for informational and educational purposes only and should not be considered or inferred as personalized investment advice. Article may contain errors, and the reader should not make any financial or investment decision based solely on what the reader reads in this article and writing. It shall be reader’s responsibility to perform its own due diligence, and reader must make its own decisions. Be advised and aware that financial and investment decisions involve risk. Author accept no liability whatsoever for any direct or consequential loss arising from any use of author’s writings, products, services, website, or other content, including contents of this article. Reader is responsible for its own investment research and decisions. Reader should seek the advice of a qualified investment advisor and fully understand any and all risks before investing or making any financial decision. Author make no representation that any reader will or is likely to experience results as cited in this article. All results of author’s recommendations are not based on actual investments by author and are based upon a hypothesis, available statistics and surveys which have limitations and do not reflect all components of actual investments. Reader’s actual results may vary based upon many factors. All content and references to third-party sources is provided solely for convenience. This information may be inaccurate, use at your own risk.

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The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves!

For those in their 20s who have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to understand your current life situation, identifying your needs and to ensure that you are not under or over-insured.

The content of this article does not constitute individual financial advice.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves!

For those in their 20s who have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to understand your current life situation, identifying your needs and to ensure that you are not under or over-insured.

The information in this report does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations.

While we have made every attempt to ensure that the information contained in this report has been obtained from reliable sources, Aon is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this report is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Aon be liable to you or anyone else for any decision made or action taken in reliance on the information in this report or for any consequential, special or similar damages, even if advised of the possibility of such damages.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves!

For those in their 20s who have just started working, you may or may not have much liabilities such as student loans, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to understand your current life situation, identifying your needs and to ensure that you are not under or over-insured.

Den utbredte holdningen om at “dette vil ikke skje med meg” fører til at mange ikke har en god nok plan for å beskytte personen som skaper velstand - seg selv.

Unge voksne som starter på yrkeskarrieren har ikke nødvendigvis store forpliktelser, kanskje det bare dreier seg om studielån, og forsikringsbehovet virker derfor irrelevant. Men dette kan være et gunstig tidspunkt til å sette seg inn i hva forsikring er og hvor stor betydning en forsikringsordning kan få for livet ditt.

Nygifte par kan ha økende økonomiske forpliktelser, som f.eks. boliglån, billån, og planlegger kanskje å få barn. En livsforsikring sørger for at gjenlevende ektefelle ikke trenger å bekymre seg for boliglån og utgiftene som følger med en familie. Dekninger ved uførhet sikrer deg i en situasjon hvor inntekten går ned. Du kan for eksempel bruke det økonomiske overskuddet i denne livsfasen til å starte tidlig med egen pensjonssparing.

Vi har alle ulike behov, og du kan gjøre klokt i å tenke gjennom din nåværende livssituasjon og dine behov, og spørre deg selv om visse forsikringer er blitt overflødige.

De algemene overtuiging "het zal mij niet overkomen" resulteert er vaak in dat veel mensen nalaten om een geschikt plan op te stellen om precies datgene te beschermen dat het vermogen genereert - hen zelf!

Voor twintigers die net zijn begonnen met werken, heb je al dan niet veel verplichtingen zoals een studielening, daarom lijkt de behoefte aan verzekering misschien niet relevant. Het kan echter een goed moment zijn om een paar dingen te leren over verzekering en de relevantie ervan, aangezien dit de tijd is dat ouders polissen doorgeven die ze hebben gekocht om door jou over te laten nemen.

Voor jonge echtparen is er een verhoogde financiële verplichting, zoals hypotheekleningen, autoleningen en zelfs gezinsplanning. Ervoor zorgen dat de langstlevende echtgenoot zich geen zorgen hoeft te maken over de resterende hypotheek en dat het onderwijs van je kinderen jouw prioriteit wordt. Elk surplus dat je in dit stadium zou hebben, moet bijdragen aan je pensioenplanning, aangezien het altijd goed is om vroeg te beginnen.

Voor oudere koppels, als je kinderen volwassen zijn, is de behoefte aan langdurige zorg die een vast maandelijks voordeel biedt als je niet in staat bent om voor jezelf te zorgen vanwege ziekte of handicap, relevanter. Daarnaast is het ook goed om je medische polissen te herzien om er zeker van te zijn dat die up-to-date zijn, aangezien de uitgaven voor gezondheid met je leeftijd zullen toenemen.

Ieder van ons is anders, daarom is het nodig om je huidige levenssituatie te begrijpen, je behoeften te identificeren en ervoor te zorgen dat je niet onder- of oververzekerd bent.

Den almindelige antagelse om, at "det sker ikke for mig", medfører ofte, at mange folk undlader at have en tilstrækkelig plan på plads til at beskytte lige præcis det, der opbygger en formue – dem selv!

Folk i 20'erne, der lige er begyndt at arbejde, har måske eller måske ikke passiver såsom studiegæld, og derfor virker behovet for forsikring måske ikke nær så aktuelt. Det kan dog godt være en god tid at begynde at lære et og andet om forsikringer og deres relevans, da det netop er på dette tidspunkt, at forældre kan videregive de policer, de har købt for dig, så du overtager dem.

For unge nygifte er der en øget økonomisk binding såsom huslån, billån og endda familieplanlægning. Det bliver din prioritet at sikre dig, at din overlevende ægtefælle ikke har noget at bekymre sig vedrørende tilbageværende realkreditlån, og at dine børns uddannelse opprioriteres. Ethvert overskud på dette tidspunkt bør bidrage til din pensionsplanlægning, og det er altid en god idé at starte tidligt.

For ældre par med voksne børn er behovet for langtidspleje, der giver en fast månedlig understøttelse, hvis du ikke kan passe på dig selv på grund af sygdom eller handicap, mere relevant. Derudover er det også en god idé, at du gennemser dine sygesikringspolicer for at sikre, at de er gyldige og opdaterede, da udgifterne til helbredet kommer til at stige med alderen.

Vi er alle forskellige, og derfor er det nødvendigt at forstå din nuværende livssituation, identificere dine behov og sikre dig, at du ikke er over- eller underforsikret.

Η συνήθης αντίληψη του «δεν θα συμβεί σε εμένα» ωθεί συχνά πολλά άτομα να παραμελούν την κατάρτιση ενός σχεδίου που θα προστατεύσει επαρκώς τον μοναδικό συντελεστή δημιουργίας πλούτου: τον εαυτό τους!

Εάν διανύετε τη δεύτερη δεκαετία της ζωής σας και μόλις έχετε ξεκινήσει να εργάζεστε, ενδέχεται να έχετε ή να μην έχετε υποχρεώσεις, όπως το φοιτητικό δάνειο, και, ως εκ τούτου, η ανάγκη για ασφάλιση μπορεί να φαίνεται ότι δεν σας αφορά. Εντούτοις, ίσως είναι η κατάλληλη στιγμή για να αρχίσετε να μαθαίνετε μερικά πράγματα για την ασφάλιση και τη σχέση της με εσάς, καθώς τώρα οι γονείς ενδέχεται να σας παραχωρούν τη διαχείριση ασφαλιστηρίων συμβολαίων που είχαν αγοράσει στο παρελθόν.

Όσον αφορά τα παντρεμένα νεαρά ζευγάρια, υπάρχουν αυξημένες οικονομικές δεσμεύσεις, όπως τα ενυπόθηκα δάνεια για αγορά σπιτιού, τα δάνεια για αγορά αυτοκινήτου, ακόμα και ο οικογενειακός προγραμματισμός. Το να διασφαλιστεί ότι ο επιζών σύζυγος δεν θα χρειάζεται να ανησυχεί για το υπόλοιπο της υποθήκης και την εκπαίδευση των παιδιών γίνεται προτεραιότητά σας. Κάθε περίσσευμα χρημάτων που μπορεί να έχετε σε αυτή τη φάση θα πρέπει να διοχετεύεται στον σχεδιασμό της συνταξιοδότησής σας, καθώς είναι καλή ιδέα να ξεκινάτε από νωρίς.

Όσον αφορά τα ζευγάρια μεγαλύτερης ηλικίας, με ενήλικα πλέον παιδιά, η ανάγκη για μακροπρόθεσμη φροντίδα που παρέχει σταθερό μηνιαίο επίδομα σε περίπτωση που δεν μπορείτε να φροντίσετε τον εαυτό σας λόγω ασθένειας ή αναπηρίας σας αφορά περισσότερο από ποτέ. Επιπλέον, καλό είναι να εξετάζετε τα ασφαλιστήρια συμβόλαια ιατρικής κάλυψής σας για να διασφαλίζετε ότι ισχύουν και είναι ενημερωμένα, καθώς οι δαπάνες για την υγεία αυξάνονται ανάλογα με την ηλικία.

Ο καθένας μας είναι διαφορετικός και, ως εκ τούτου, είναι αναγκαίο να κατανοήσετε την τρέχουσα κατάσταση της ζωής σας, προσδιορίζοντας τις ανάγκες σας και διασφαλίζοντας ότι ασφάλισή σας δεν είναι ανεπαρκής ούτε υπερβολική.

La creencia común de que una cosa concreta «no va a sucederle a uno» suele hacer que mucha gente se olvide de proteger suficientemente aquello que más riqueza genera: ¡ellos mismos!

Las personas que rondan la veintena y que acaban de comenzar a trabajar no suelen tener demasiado cargas y, por tanto, los seguros les parecen irrelevantes. Sin embargo, esta puede ser una buena edad para a aprender varias cosas sobre los seguros y su importancia, ya que es justo el momento en el que sus padres podrían transferirles pólizas que contrataron en su día para que comiencen a hacerse cargo de sus primas.

En el caso de las parejas jóvenes recién casadas, nos encontramos también con el importante compromiso financiero que suponen las hipotecas, los préstamos para la adquisición de vehículos e incluso la planificación familiar. En estos casos, asegurarse de que, en caso de fallecimiento de uno de los cónyuges, el superviviente no tiene que preocuparse por asumir solo la deuda pendiente de la hipoteca o la educación de los niños se convierte en la principal prioridad. Por tanto, cualquier excedente del que se disponga en esta fase debería destinarse a la planificación de la jubilación, ya que conviene comenzar lo antes posible.

En el caso de las parejas de edad avanzada en las que los hijos ya se han emancipado, será más relevante satisfacer la necesidad de disponer de un servicio de atención a largo plazo por si uno de los cónyuges no fuese capaz de valerse solo como consecuencia de una enfermedad o discapacidad. Además, sería conveniente revisar las pólizas de seguro médico a fin de garantizar que se dispone de ellas y que se encuentran correctamente actualizadas, ya que el gasto en atención sanitaria aumenta con la edad.

Cada persona es distinta y, por tanto, es necesario que entienda su situación vital particular, identifique sus necesidades y se asegure de no estar infraasegurado ni sobreasegurado en ningún momento.

Az elterjedt hiedelem, hogy „velem nem történhet meg” gyakran azt eredményezi, hogy sok embernek nincs megfelelő terve arra, hogy megvédje pont azt a dolgot, amely a vagyont megteremti – önmagát!

Azoknak, akik a húszas éveikben járnak, és éppen most kezdtek el dolgozni, lehet hogy van, de az is lehet, hogy nincs semmilyen kötelezettségük, mint például a diákhitel, így a biztosítás szükségessége nem tűnhet lényegesnek. Azonban ez jó időpont lehet arra, hogy elkezdjünk megtanulni egyet s mást a biztosításról és annak fontosságáról, ugyanis ez az az idő, amikor a szülők átadhatják azokat a biztosítási kötvényeket, amelyeket azért kötöttek, hogy átvedd őket.

A fiatal házaspároknak fokozott pénzügyi kötelezettséggel kell számolni, mint például a lakás jelzáloghitele, autóhitel vagy akár a családtervezés. Prioritássá válik számodra annak biztosítása, hogy a túlélő párodnak ne kelljen aggódnia a fennmaradó jelzálog és a gyermekek taníttatása miatt. Minden esetleges fennmaradó összeget ezen a ponton a nyugdíjtervezésedre kell fordítani, mivel mindig jó korán elkezdeni.

Idősebb pároknak, akiknek a gyermekei már felnőttek, fontosabbá válik a hosszú távú gondoskodás igénye, amely fix havi hasznot biztosít, ha nem képesek gondoskodni magukról betegség vagy rokkantság miatt. Továbbá érdemes lehet áttekinteni az egészségügyi biztosításaidat annak érdekében, hogy biztosítsd, megvannak és naprakészek, ugyanis az egészségügyi kiadások növekszenek az életkor előrehaladtával.

Mindannyian különbözőek vagyunk, ezért szükséges megérteni az aktuális élethelyzeted, azonosítani a szükségleteid, és gondoskodni arról, hogy ne legyél alul- vagy túlbiztosítva.

The common belief that “it won’t happen to me” often results in many people neglecting to have a sufficient plan to protect the very thing that generates the wealth – themselves!

For those in their 20s who have just started working, you may or may not have any liabilities such as a student loan, therefore the need for insurance might not seem relevant. However, it might be a good time to start learning a thing or two about insurance and its relevance as this is the time parents might be passing on policies that they have bought for you to take over.

For young married couples, there is an increased financial commitment such as home mortgage loans, car loans and even family planning. Ensuring that your surviving spouse does not have to worry about the remaining mortgage and your children’s education becomes your priority. Any surplus that you can have at this stage, should contribute to your retirement planning as it is always good to start early.

For elderly couples, where your children are grown-ups, the need for long-term care that provides a fixed monthly benefit if you are unable to take care of yourself due to sickness or disability will be more relevant. In addition, it will also be good for you to review your medical policies to ensure that they are in place and up to date as spending on health with increase with age.

Every one of us is different, hence there is a need to understand your current life situation, identifying your needs and to ensure that you are not under or over-insured.

The content of this article does not constitute individual financial advice.

L’idée très répandue que cela n’arrive qu’aux autres fait qu’un grand nombre de personnes ne sont souvent pas assez prévoyantes pour protéger LA chose qui génère de la richesse : elles-mêmes !

Les personnes d’une vingtaine d’années qui commencent juste à travailler peuvent avoir, ou pas, des dettes, comme un prêt étudiant, par conséquent, la nécessité d’avoir une assurance peut ne pas leur sembler opportune. Pourtant, ça pourrait être le moment idéal pour commencer à se renseigner sur les assurances et leur pertinence. En effet, les parents ayant souscrit à des politiques d’assurance au nom de leurs enfants pourrait choisir ce moment-là pour les leur transférer.

Chez les jeunes mariés, on observe un plus grand engagement financier, comme des emprunts immobiliers, des prêts automobile, et des projets de fonder une famille. Faire en sorte que le conjoint survivant n’ait pas à s’inquiéter du remboursement du prêt immobilier ni du coût de l’éducation des enfants devient alors votre priorité. Tout excédent que vous pouvez avoir à ce stade devrait être placé pour planifier votre retraite, car il est toujours judicieux de commencer tôt.

Les couples de personnes âgées, dont les enfants sont adultes, seront plutôt préoccupés par la nécessité d’avoir des soins à long terme sous forme de prestations mensuelles fixes en cas de perte d’autonomie suite à une maladie ou à un handicap. En outre, il serait également bon de passer en revue vos mutuelles d’assurance maladie afin de vous assurer qu’elles sont bien en place et à jour car les dépenses de santé ne feront qu’augmenter avec l’âge.

Nous sommes tous différents, d’où la nécessité de comprendre votre situation actuelle, d’identifier vos besoins et de veiller à avoir les assurances adéquates en place.

„Mir passiert das nicht.“ – Diese weitverbreitete Überzeugung führt dazu, dass viele Menschen es versäumen, das zu schützen, was ihren Besitz generiert – sich selbst!

Wenn Sie zur Gruppe der 20- bis 30-Jährigen gehören und gerade erst ins Berufsleben eingestiegen sind, haben Sie vielleicht keine oder nur geringe Verpflichtungen, wie zum Beispiel ein Studiendarlehen. In diesem Fall sehen Sie für sich womöglich keine Notwendigkeit für Versicherungen. Trotzdem kann dies ein geeigneter Zeitpunkt sein, um sich damit auseinanderzusetzen und das eine oder andere zum Thema Versicherungen in Erfahrung zu bringen. Denn dies ist oft auch die Zeit, in der Eltern Versicherungspolicen an Sie übergeben, die sie in Ihrem Namen abgeschlossen haben und die Sie nun weiterführen sollen.

Auf jungverheiratete Paare kommen vermehrt finanzielle Verpflichtungen zu, wie zum Beispiel Hypothekenkredite, Autokredite und die Gründung einer Familie, Die Absicherung Ihrer Hinterbliebenen für den Fall Ihres Todes sollte höchste Priorität haben, damit Ihr Ehepartner sich nicht um die Hypothek und die Ausbildung der Kinder sorgen muss. Falls Sie in diesem Lebensabschnitt Geld übrig haben, sollten Sie dieses in Ihre Altersvorsorge stecken, denn je früher Sie damit anfangen, desto besser.

Für ältere Ehepaare, deren Kinder bereits erwachsen sind, rückt die Notwendigkeit einer Pflegeversicherung in den Vordergrund, die ihnen einen festen monatlichen Betrag auszahlt, falls sie aufgrund von Krankheit oder Behinderung nicht mehr selbst für sich sorgen können. Darüber hinaus ist die Überprüfung Ihrer Krankenversicherungen empfehlenswert, damit Sie sicherstellen können, dass sie gültig und auf dem neuesten Stand sind, da die Gesundheitsausgaben mit zunehmendem Alter steigen.

Jeder von uns ist anders. Daher ist es notwendig, dass Sie Ihre derzeitigen Lebensumstände verstehen, Ihre Bedürfnisse ermitteln und sicherstellen, dass Sie weder unter- noch überversichert sind.

La convinzione comune secondo cui “non succederà a me” spesso porta le persone a non avere un piano sufficiente a proteggere l’elemento cruciale che genera ricchezza: se stessi!

Se sei un ventenne che ha appena iniziato a lavorare, puoi avere o non avere molte responsabilità, come dei prestiti scolastici, quindi la necessità di un’assicurazione potrebbe non sembrare pertinente. Tuttavia, potrebbe essere un buon momento per iniziare ad imparare un paio di cose sulle assicurazioni e la loro rilevanza, in quanto questo potrebbe essere il momento in cui i genitori trasferiscono a te le polizze che hanno contratto per il tuo subentro.

Nel caso di giovani coppie di coniugi, sussiste un maggiore impegno finanziario, come mutui per la casa o per l’auto, ed anche una pianificazione familiare. Assicurarsi che il coniuge superstite non si debba preoccupare del prestito rimanente e dell'istruzione dei figli diventa una priorità. Qualsiasi eccedenza che si possa vantare a questo punto, dovrebbe contribuire al tuo piano pensionistico visto che è sempre bene iniziare il prima possibile.

Per le coppie più mature, con figli ormai grandi, diventa più importante la necessità di un'assistenza a lungo termine che offra un’indennità fissa mensile, nel caso in cui non si sia autosufficienti a causa di una patologia e di una disabilità. Inoltre, sarebbe anche opportuno riesaminare le polizze mediche per assicurarsi che siano valide ed aggiornate, visto che invecchiando le spese sanitarie aumentano.

Ognuno di noi è diverso, quindi è necessario capire qual è la propria attuale situazione, identificando le proprie esigenze e accertandosi di non essere né troppo assicurati, e né troppo poco.