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理财档案丨意外、医疗、重疾、寿险……不同年龄的爸爸如何配置保险?
Guang Zhou Ri Bao·2025-06-12 15:56

Core Insights - The article discusses the importance of health insurance for fathers, especially with the upcoming Father's Day and expectations of interest rate cuts in the market [1] - It emphasizes that different age groups of men have varying risks and insurance needs, suggesting tailored insurance configurations based on age and health status [2][4] Group 1: Insurance Configuration by Age - For men under 30, the priority should be on accident insurance, followed by medical insurance and critical illness insurance, as they face high risks of accidents and diseases [3] - Men aged 30 to 45 should focus on critical illness and medical insurance, with an emphasis on increasing coverage to manage high medical costs, while also considering term life insurance [3] - For men aged 45 to 60, medical insurance and cancer insurance should be prioritized due to increased health risks, with additional coverage for critical illness and life insurance based on individual circumstances [3] Group 2: Life Insurance Recommendations - The article suggests that family breadwinners should consider life insurance coverage that equals family debts plus 5 to 10 years of living expenses, minus existing savings [3] - Term life insurance is recommended for those with lower income and higher insurance needs, while whole life insurance is suitable for those who can afford higher premiums and have estate planning needs [4] - It is advised that insurance premiums should not exceed 10% to 20% of the family's annual income, and early investment in insurance is encouraged to avoid higher premiums with age [4]