致还没买保险的家庭“顶梁柱”
<div><p><br></p><section class="" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><section class="" style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><section class="" style="margin-top: 10px; margin-bottom: 10px; max-width: 100%; line-height: 10px; color: inherit; border: 1px solid rgb(255, 19, 0); display: inline-block; width: 670px; box-sizing: border-box !important; word-wrap: break-word !important; background-image: url("http://www.csdn123.net/mydata/showimg.php?url=http://mmbiz.qpic.cn/mmbiz/T5P7hO91ianicdUXEneaXwEn24waG77H2UBJs0VjVXDcEVcvg4ezejBrhKIXJ5Ggh8A5OF4zRFiaJkkvvl44QMBxQ/0?wx_fmt=png"); background-repeat: no-repeat;"><section style="margin-top: -8px; margin-bottom: -8px; max-width: 100%; color: inherit; height: 8px; box-sizing: border-box !important; word-wrap: break-word !important;"><section style="margin-right: auto; margin-bottom: -2px; margin-left: -4px; max-width: 100%; box-sizing: border-box; border-radius: 100%; line-height: 1; text-decoration: inherit; border-color: rgb(255, 19, 0); display: inline-block; height: 8px; width: 8px; color: rgb(255, 255, 255); word-wrap: break-word !important; background-color: rgb(255, 19, 0);"></section><section style="margin: 4px -4px -4px; max-width: 100%; box-sizing: border-box; border-radius: 100%; line-height: 1; text-decoration: inherit; border-color: rgb(255, 19, 0); display: inline-block; height: 8px; width: 8px; color: rgb(255, 255, 255); float: right; word-wrap: break-word !important; background-color: rgb(255, 19, 0);"></section><section class="" data-style="text-indent: 2em;" style="margin: 10px; padding: 5px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; line-height: 2em; font-size: 14px;"><p style="max-width: 100%; min-height: 1em; text-indent: 2em; color: inherit; box-sizing: border-box !important; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; line-height: 32px; text-align: justify; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important;">作为一家之主、发挥顶梁支柱作用的父亲，最应该配备好保险。父爱如山，意味着责任，也意味着更多的压力和风险，作为子女，</span><span style="max-width: 100%; letter-spacing: 0px; line-height: 32px; text-align: justify; font-family: 宋体; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(250, 252, 255);">可以买一份保险送给父亲，给他们准备一把“保护伞”。</span></strong></p></section><section style="margin-right: auto; margin-bottom: -2px; margin-left: -4px; max-width: 100%; box-sizing: border-box; border-radius: 100%; line-height: 1; text-decoration: inherit; border-color: rgb(255, 19, 0); display: inline-block; height: 8px; width: 8px; color: rgb(255, 255, 255); word-wrap: break-word !important; background-color: rgb(255, 19, 0);"></section><section style="margin: 6px -4px -4px; max-width: 100%; box-sizing: border-box; border-radius: 100%; line-height: 1; text-decoration: inherit; border-color: rgb(255, 19, 0); display: inline-block; height: 8px; width: 8px; color: rgb(255, 255, 255); float: right; word-wrap: break-word !important; background-color: rgb(255, 19, 0);"></section></section></section></section></section><p><br></p><section class="" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="margin-top: 0.5em; margin-bottom: 0.5em; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="padding-top: 3px; max-width: 100%; box-sizing: border-box; border-top-width: 2px; border-top-style: solid; border-color: rgb(255, 19, 0); word-wrap: break-word !important;"><section class="" style="padding-right: 0.5em; padding-left: 0.5em; max-width: 100%; box-sizing: border-box; display: inline-block; vertical-align: top; height: 2em; line-height: 2em; color: rgb(255, 255, 255); word-wrap: break-word !important; background-color: rgb(255, 19, 0);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">家里的顶梁柱，其实最不“<span style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">保险</span>”</strong></section></section><section style="max-width: 100%; box-sizing: border-box; width: 0px; display: inline-block; vertical-align: top; border-left-width: 0.8em; border-left-style: solid; border-left-color: rgb(255, 19, 0); border-top-width: 1em; border-top-style: solid; border-top-color: rgb(255, 19, 0); word-wrap: break-word !important; border-right-width: 0.8em !important; border-right-style: solid !important; border-right-color: transparent !important; border-bottom-width: 1em !important; border-bottom-style: solid !important; border-bottom-color: transparent !important;"></section></section></section></section></section></section><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;">从意外发生率大家也能够看出来男性高于女性。当然跟男人的天性，喜欢一些冒险，喜欢各种各样的运动有关联。另外，重大疾病方面的发病率，男性也远远高于女性，它更多的也是因为生活习惯和生活行为。</span><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><img class="" data-ratio="0.571875" data-s="300,640" src="http://www.csdn123.net/mydata/showimg.php?url=http://mmbiz.qpic.cn/mmbiz/lDYicJCQAGtZhk1FmolBicNeAIg3vqyygtmBTrVsHSZZic7BkM6zemMyXibK9zATibCrJHu9hLHibzx5nuLAibeYEVMNg/640?wx_fmt=jpeg" data-type="jpeg" data-w="640" width="670px" style="font-size: 16px; line-height: 25.6px; white-space: normal; display: block; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: 670px !important;"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">从专业机构的调查数据显示：</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;">1、 男性的意外事故的发生率远高于女性</span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;">2、 重大疾病的概率高于女性</span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;">3、 男性的预期寿命也要比女性短大概6年</span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">由此可见，在家庭结构中，尤其是工薪阶层，不具备每个成员都购买保险的条件下，我们需要优先给男性自身。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; text-align: center; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><img class="" data-ratio="0.9572301425661914" data-s="300,640" src="http://www.csdn123.net/mydata/showimg.php?url=http://mmbiz.qpic.cn/mmbiz/lDYicJCQAGtZhk1FmolBicNeAIg3vqyygtPNAibiaXmUx2Dwib1c49ydGLrhpPmmWgmz2Tt9twibgQ5Zg9tFrjtcBX1Q/640?wx_fmt=jpeg" data-type="jpeg" data-w="491" style="color: rgb(51, 51, 51); line-height: 25px; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: auto !important; background-color: rgb(244, 244, 244);" title="1434794960857010198.jpg" width="auto"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br></p><section class="" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="margin-top: 0.5em; margin-bottom: 0.5em; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="padding-top: 3px; max-width: 100%; box-sizing: border-box; border-top-width: 2px; border-top-style: solid; border-color: rgb(255, 19, 0); word-wrap: break-word !important;"><section class="" style="padding-right: 0.5em; padding-left: 0.5em; max-width: 100%; box-sizing: border-box; display: inline-block; vertical-align: top; height: 2em; line-height: 2em; color: rgb(255, 255, 255); word-wrap: break-word !important; background-color: rgb(255, 19, 0);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">“潮爸”：钱少多买，消费型</strong></section></section><section style="max-width: 100%; box-sizing: border-box; width: 0px; display: inline-block; vertical-align: top; border-left-width: 0.8em; border-left-style: solid; border-left-color: rgb(255, 19, 0); border-top-width: 1em; border-top-style: solid; border-top-color: rgb(255, 19, 0); word-wrap: break-word !important; border-right-width: 0.8em !important; border-right-style: solid !important; border-right-color: transparent !important; border-bottom-width: 1em !important; border-bottom-style: solid !important; border-bottom-color: transparent !important;"></section></section></section></section></section></section><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;">30岁左右的潮爸已步入而立之年。这个年龄段的男人，在外要打拼事业，在内有妻儿、父母需要照顾，在经济上压力很大，因此，在保费的投入上，要三思而行，做到花小钱办大事。</span><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;">30岁上下的男人，首先要提防的风险就是意外伤害，其次是重大疾病。</span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">意外险是出了名的保费低保障高，包括了意外伤害险，交通意外险等，每年百元的保费就可以确保意外风险发生后不会影响小家庭的稳定。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">再来看看重疾险。现在的食品安全实在让人伤不起，得了大病住院治疗费用又高得吓人。80后小家庭积蓄不多，因此必须添置重疾险来防范大额医疗费用的支出。重疾险可以分为返还型和消费型两种。消费型因保费不返还，所以具有低保费高保额的特性，每年缴费一次，保费一般不足千元。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">如果手头宽裕，也可购买返还型的重疾险，毕竟出了险可以获得理赔，即使不出险的话，期满也能拿回保费和一部分理财收益，不会感觉白交了保费。</p><p style="max-width: 100%; min-height: 1em; font-size: 16px; white-space: normal; color: rgb(51, 51, 51); line-height: 25px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; text-align: justify; line-height: 2em; font-family: 宋体; color: rgb(0, 176, 80); font-size: 14px; font-weight: bold; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; font-size: 16px; white-space: normal; color: rgb(51, 51, 51); line-height: 25px; text-align: center; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><img class=" img_loading" data-ratio="0.9937888198757764" data-s="300,640" data-type="jpeg" data-w="483" width="auto" src="http://www.csdn123.net/mydata/showimg.php?url=http://mmbiz.qpic.cn/mmbiz/ayppxFic5b28M2cNqQVqLnibhpgLR8BgKTlk0BkW4h17crt8P0kPYzibT0guSkUL3b4SSOJ16DICIqQ6kYXbYOlBw/640?" style="border: 1px solid rgb(238, 237, 235); line-height: 25.6px; height: 480px !important; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: 483px !important; background-image: none; background-color: rgb(238, 237, 235); background-size: 22px; background-position: 50% 50%; background-repeat: no-repeat;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br></p><section class="" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="margin-top: 0.5em; margin-bottom: 0.5em; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="padding-top: 3px; max-width: 100%; box-sizing: border-box; border-top-width: 2px; border-top-style: solid; border-color: rgb(255, 19, 0); word-wrap: break-word !important;"><section class="" style="padding-right: 0.5em; padding-left: 0.5em; max-width: 100%; box-sizing: border-box; display: inline-block; vertical-align: top; height: 2em; line-height: 2em; color: rgb(255, 255, 255); word-wrap: break-word !important; background-color: rgb(255, 19, 0);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">“奶爸”：重疾领先，养老殿后</strong></section></section><section style="max-width: 100%; box-sizing: border-box; width: 0px; display: inline-block; vertical-align: top; border-left-width: 0.8em; border-left-style: solid; border-left-color: rgb(255, 19, 0); border-top-width: 1em; border-top-style: solid; border-top-color: rgb(255, 19, 0); word-wrap: break-word !important; border-right-width: 0.8em !important; border-right-style: solid !important; border-right-color: transparent !important; border-bottom-width: 1em !important; border-bottom-style: solid !important; border-bottom-color: transparent !important;"></section></section></section></section></section></section><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;">70后奶爸即将或已经步入不惑之年。事业基本定型，这个阶段的男人，在经过努力打拼后，已经具备了一定的经济基础，但同时，在家庭中承担的责任也更加重大。</span><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;">40岁的男人，除了要持续甚至加重对重疾险的投保外，需要开始着手准备未来的养老退休计划了。</span>以往养儿防老，岂知子女的生活压力更大，能够自立不啃老就已然不错了。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">虽然社保的普及度越来越高，但毋庸质疑的是，社保是低保障广覆盖，每月的养老金只能保证基本的生活费用开支，依靠社保实现退休后的精致生活是不可能的，必须自己准备足额的养老金。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">如果选择购买商业养老保险，分红年金型养老险是个不错的选择。这种产品一般具有按月固定年金给付、规定期限保证领取、现金分红抵御通胀、身故保障逐年递增等特点。根据个人的经济情况，可以选择10年甚至20年的缴费期限。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; text-align: center; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><img class=" img_loading" data-ratio="0.9937888198757764" data-s="300,640" data-type="jpeg" data-w="483" width="auto" src="http://www.csdn123.net/mydata/showimg.php?url=http://mmbiz.qpic.cn/mmbiz/ayppxFic5b28M2cNqQVqLnibhpgLR8BgKTrHpzpdMpnhQ7W4Mcr04vfSt8WwuOs6yh1yPMpcafgibevic6C1JZYqfA/640?" style="border: 1px solid rgb(238, 237, 235); font-family: 宋体; font-size: 14px; line-height: 22.4px; height: 480px !important; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: 483px !important; background-image: none; background-color: rgb(238, 237, 235); background-size: 22px; background-position: 50% 50%; background-repeat: no-repeat;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br></p><section class="" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="margin-top: 0.5em; margin-bottom: 0.5em; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section class="" style="padding-top: 3px; max-width: 100%; box-sizing: border-box; border-top-width: 2px; border-top-style: solid; border-color: rgb(255, 19, 0); word-wrap: break-word !important;"><section class="" style="padding-right: 0.5em; padding-left: 0.5em; max-width: 100%; box-sizing: border-box; display: inline-block; vertical-align: top; height: 2em; line-height: 2em; color: rgb(255, 255, 255); word-wrap: break-word !important; background-color: rgb(255, 19, 0);"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;">“老爸”投保要抓紧</section></section><section style="max-width: 100%; box-sizing: border-box; width: 0px; display: inline-block; vertical-align: top; border-left-width: 0.8em; border-left-style: solid; border-left-color: rgb(255, 19, 0); border-top-width: 1em; border-top-style: solid; border-top-color: rgb(255, 19, 0); word-wrap: break-word !important; border-right-width: 0.8em !important; border-right-style: solid !important; border-right-color: transparent !important; border-bottom-width: 1em !important; border-bottom-style: solid !important; border-bottom-color: transparent !important;"></section></section></section></section></section></section><p><br></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;">60后“老爸”的子女已成人，生活压力减轻，而家庭收入也达到了较高的阶段。如果年轻时已投保了重疾险和养老险等，缴费年限应该也没剩下多久，可以等着享受果实了。</span><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important;"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">虽然大多数保险产品对投保人年龄的限制都是到65周岁，但是年龄大了才开始投保，保险公司为防范风险，会对投保人的身体状况要求更严格，容易出现拒保，或者即使承保，保费也很高，甚至出现倒挂的情况，即所缴保费大于实际能获得的保额。</p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; line-height: 21.3333px; white-space: normal; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">至于花甲、古稀之年的老爸，就要买意外险了。很多保险公司都有专门针对老年人的银发意外险种，保费不过百八十元，包括了意外身故、残疾和意外门诊及意外住院等保障，可延长至80周岁投保。</p><p style="max-width: 100%; min-height: 1em; font-size: 16px; white-space: normal; color: rgb(51, 51, 51); text-indent: 2em; line-height: 2em; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><span style="max-width: 100%; font-family: 宋体; font-size: 14px; box-sizing: border-box !important; word-wrap: break-word !important;"><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 25.6px; text-align: center; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);"><img class=" img_loading" data-ratio="0.9937888198757764" data-s="300,640" data-type="jpeg" data-w="483" width="auto" src="http://www.csdn123.net/mydata/showimg.php?url=http://mmbiz.qpic.cn/mmbiz/ayppxFic5b28M2cNqQVqLnibhpgLR8BgKT62aAkDb2HXGYMIDTFENJI4sPsRT4rx0Fo7O9YMVrVP4V25PAM3VOUA/640?" style="border: 1px solid rgb(238, 237, 235); font-family: 宋体; font-size: 14px; line-height: 22.4px; height: 480px !important; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: 483px !important; background-image: none; background-color: rgb(238, 237, 235); background-size: 22px; background-position: 50% 50%; background-repeat: no-repeat;"></p></div>
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