保险，买的是一种幸福感。
<section data-author="Wxeditor" style="max-width: 100%;color: rgb(62, 62, 62);font-size: 16px;line-height: 25.6000003814697px;white-space: normal;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="padding-right: 12px;padding-left: 12px;max-width: 100%;display: flex;align-items: center;box-sizing: border-box !important;word-wrap: break-word !important;background: rgb(255, 57, 31);"><section style="max-width: 100%;flex: 1 1 0%;box-sizing: border-box !important;word-wrap: break-word !important;"><section style="text-align: center; max-width: 100%; width: 200px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><img class="" data-copyright="0" data-ratio="0.625" data-s="300,640" data-type="jpeg" data-w="1280" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO6mOlTelsoSOrCkR69og9QnwtgIxaY4cicWxPiaCvHOgnf1jLZ3EK9kiat29eCckRUBvBf899pHaLKufsfcBjO5Xg%2F640%3Fwx_fmt%3Djpeg" style="background-color: rgb(255, 255, 255); color: rgb(51, 51, 51); box-sizing: border-box !important; width: 677px !important; visibility: visible !important;"></section></section></section></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">越是发达的国家和地区，保险制度越完善，人均拥有保单数量越多。因为在经济基础发展到一定程度之后，人的最大需要就是安全与保障。保险的功能不仅在于提供生命的保障。在人生的不同阶段，对风险的要求不同，这种财务需求可以通过保险来安排。</span><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-id="85694" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><section class="" style="margin-right: auto;margin-left: auto;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><p style="margin: 1em 16px 15px;max-width: 100%;box-sizing: border-box;min-height: 1em;border-top: 1px solid rgb(172, 29, 16);text-align: center;width: 677px;color: inherit;text-indent: 0em;line-height: 1.5em;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-brushtype="text" style="padding: 5px 10px;max-width: 100%;box-sizing: border-box;min-height: 32px;color: rgb(255, 255, 255);display: inline-block;border-bottom-left-radius: 10px;border-bottom-right-radius: 10px;font-size: 20px;background-color: rgb(172, 29, 16);word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;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%;box-sizing: border-box !important;word-wrap: break-word !important;">看看邻居家怎么买保险的</span></strong></span></section><p style="max-width: 100%;min-height: 1em;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;"></p></section></section><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">看香港</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">七、八张保单都是必备的</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">先说咱们国家，香港人买保单把重点放在保障上，购买100万元或者200万元的保障，并不在乎保单的份数。香港人的平均会用一个月的工资作为保费支出。而2014年底,全国的保险密度仅为1479元(人)。</span></p><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">以一个23周岁的香港大学生毕业生为例，香港人一生一般需要购买一下几张主要的保单：</span></p><section class="" data-id="85508" data-color="rgb(33, 33, 34)" data-custom="rgb(33, 33, 34)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><section style="margin-top: 2px;margin-bottom: 2px;max-width: 100%;box-sizing: border-box;border-width: 0px;border-style: initial;border-color: initial;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: left;border-top: 2px solid rgb(33, 33, 34);border-right-color: rgb(33, 33, 34);border-bottom-color: rgb(33, 33, 34);border-left: 2px solid rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: right;border-top: 2px solid rgb(33, 33, 34);border-right: 2px solid rgb(33, 33, 34);border-bottom-color: rgb(33, 33, 34);border-left-color: rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;box-sizing: border-box;min-height: 1em;height: 6px;color: inherit;text-indent: 0em;line-height: 1.5em;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section style="margin: -1px 4px;padding: 0.8em;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(33, 33, 34);box-shadow: rgb(117, 117, 117) 0px 0px 4px;color: inherit;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word;font-size: 1em;line-height: 1.4;word-break: break-all;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第一张：为父母买，算是对父母养育之恩的报答。一旦自己遭遇疾病或者意外伤害，丧失赡养父母的能力，父母仍然可以安享晚年。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第二张：保单是为自己的生活、疾病提供保障。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第三张：一般要为爱人买一个保单。在自己出现意外之时，爱人仍然可以正常生活。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第四张：结婚之后，港人一般享受一两年的二人世界，然后考虑要孩子，多数家庭是两个孩子，为孩子购买一些意外或者疾病保单。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第五张：是孩子的教育保单。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第六张：就是为车房购买保险。是预防身故、提供还债保障的保单。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第七张：在30岁左右，港人为晚年生活着想，通常要买一张大病养老保险。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">第八张： 在晚年，为自己的遗产转移购买一份保单也是必不可少的。</span></p></section></section><section style="max-width: 100%;box-sizing: border-box;height: 6px;color: inherit;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: left;border-bottom: 2px solid rgb(33, 33, 34);border-top-color: rgb(33, 33, 34);border-right-color: rgb(33, 33, 34);border-left: 2px solid rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: right;border-bottom: 2px solid rgb(33, 33, 34);border-top-color: rgb(33, 33, 34);border-right: 2px solid rgb(33, 33, 34);border-left-color: rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section></section></section><section style="max-width: 100%;box-sizing: border-box;width: 0px;height: 0px;clear: both;word-wrap: break-word !important;"></section></section><section class="" data-id="23" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><p style="margin: 10px 16px 15px;padding: 15px 20px 15px 45px;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;outline: 0px;border-width: 0px;border-style: initial;border-color: currentcolor;color: rgb(62, 62, 62);vertical-align: baseline;text-indent: 0em;line-height: 1.5em;background-image: url(" https:="" mmbiz.qpic.cn="" mmbiz="" yqvaqozvdibhxi5ekokr1ica9n2tin2mafrz4zmlbz9vjipyhvva3622v9m4opp0kibwg6f78hdchoabqbic1krfpw="" 640?wx_fmt="jpeg");background-color:" rgb(241,="" 241,="" 241);background-position:="" 1%="" 5px;background-repeat:="" no-repeat;word-wrap:="" break-word="" !important;"=""><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">这样算起来，港人一般拥有的保单都在七、八张以上。</span></p></section><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">看日本</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">六张保单是择偶硬指标</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">早在2002年，日本人寿保险的投保率高达540%，相当于每个日本国民手里拥有5.4张寿险保单。为什么日本人会有这么多张寿险保单？那是因为人生不同阶段，对风险的要求不同。不同的阶段购买不同保险的方式，是责任心的体现。</span></p><section class="" data-id="85508" data-color="rgb(33, 33, 34)" data-custom="rgb(33, 33, 34)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><section style="margin-top: 2px;margin-bottom: 2px;max-width: 100%;box-sizing: border-box;border-width: 0px;border-style: initial;border-color: initial;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: left;border-top: 2px solid rgb(33, 33, 34);border-right-color: rgb(33, 33, 34);border-bottom-color: rgb(33, 33, 34);border-left: 2px solid rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: right;border-top: 2px solid rgb(33, 33, 34);border-right: 2px solid rgb(33, 33, 34);border-bottom-color: rgb(33, 33, 34);border-left-color: rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;box-sizing: border-box;min-height: 1em;height: 6px;color: inherit;text-indent: 0em;line-height: 1.5em;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section style="margin: -1px 4px;padding: 0.8em;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(33, 33, 34);box-shadow: rgb(117, 117, 117) 0px 0px 4px;color: inherit;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word;font-size: 1em;line-height: 1.4;word-break: break-all;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">25岁硕士毕业，刚工作的时候，买保险只考虑一个人的，保障的价值很低。由于经常旅行、交游，一般是买意外保险，年轻人很少买大病的。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">30多岁以后，对健康更加关注，买大病保险的比较多。成家以后，对家庭和儿女有一种责任。买一份保险，受益人互相写对方的名字，这是一种对家庭的承诺与责任。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">日本人有一种习俗，在订婚的时候，男方要买一张寿险保单，写上女方的名字，这是一种爱与责任的体现。同时要考虑，原有的保单不能满足需求，就要增加和扩大。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">35岁以后，还贷压力很大，需要买一份保险，要为家庭提供财富保障。买一份与贷款相当金额的人寿保险，比如贷80万，就为自己买一份80万保险。万一出问题，有保险公司替还房贷。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">到了40岁，应该考虑养老。养老保险是越早买越好。这个时候，房子买了，孩子大了，应该考虑增加一份养老金。</span></p><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;max-width: 100%;min-height: 1em;text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">到了50岁，快退休了，要考虑一旦去世，财产税很高，就要买一份保险避税。</span></p></section></section><section style="max-width: 100%;box-sizing: border-box;height: 6px;color: inherit;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: left;border-bottom: 2px solid rgb(33, 33, 34);border-top-color: rgb(33, 33, 34);border-right-color: rgb(33, 33, 34);border-left: 2px solid rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section><section style="max-width: 100%;box-sizing: border-box;height: 6px;width: 6px;float: right;border-bottom: 2px solid rgb(33, 33, 34);border-top-color: rgb(33, 33, 34);border-right: 2px solid rgb(33, 33, 34);border-left-color: rgb(33, 33, 34);color: inherit;word-wrap: break-word !important;"></section></section></section><section style="max-width: 100%;box-sizing: border-box;width: 0px;height: 0px;clear: both;word-wrap: break-word !important;"></section></section><section class="" data-id="23" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><p style="margin: 10px 16px 15px;padding: 15px 20px 15px 45px;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;outline: 0px;border-width: 0px;border-style: initial;border-color: currentcolor;color: rgb(62, 62, 62);vertical-align: baseline;text-indent: 0em;line-height: 1.5em;background-image: url(" https:="" mmbiz.qpic.cn="" mmbiz="" yqvaqozvdibhxi5ekokr1ica9n2tin2mafrz4zmlbz9vjipyhvva3622v9m4opp0kibwg6f78hdchoabqbic1krfpw="" 640?wx_fmt="jpeg");background-color:" rgb(241,="" 241,="" 241);background-position:="" 1%="" 5px;background-repeat:="" no-repeat;word-wrap:="" break-word="" !important;"=""><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">意外、健康、医疗、养老、人寿保险、金融贷款，是日本人的经常选择的保险品种。</span></p></section><section class="" data-id="85694" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><section class="" style="margin-right: auto;margin-left: auto;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><p style="margin: 1em 16px 15px;max-width: 100%;box-sizing: border-box;min-height: 1em;border-top: 1px solid rgb(172, 29, 16);text-align: center;width: 677px;color: inherit;text-indent: 0em;line-height: 1.5em;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-brushtype="text" style="padding: 5px 10px;max-width: 100%;box-sizing: border-box;min-height: 32px;color: rgb(255, 255, 255);display: inline-block;border-bottom-left-radius: 10px;border-bottom-right-radius: 10px;font-size: 20px;background-color: rgb(172, 29, 16);word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;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%;box-sizing: border-box !important;word-wrap: break-word !important;">保险，买的是一种幸福感</span></strong></span></section><p style="max-width: 100%;min-height: 1em;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;"></p></section></section><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">为父母</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">不低于退休后25年的生活费</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">百善孝为先，赡养父母是每一位成年中国人应尽的人生责任。保额至少是父母退休后25年的基本生活成本，才能说真正尽到做子女的责任！</span></p><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">为家庭</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">不低于家庭总负债</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">如果家里有欠债，比如：房贷，那么保额就不能低于贷款总额。否则，如果有一天我们遭遇风险，留下的将是巨大的债务压力！</span></p><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">为子女</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">不低于大学毕业前的总费用</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">做父母的责任，是将儿女养大并接受足够的教育。给孩子准备的钱，应该至少能够供他到大学毕业。</span></p><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">为生活</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">不低于家庭年开支的5倍</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">如果是家庭的经济支柱不幸倒下，未来家庭生活水平将发生重大改变。若有至少5年的基本生活开支，才能使家庭能够逐渐恢复并重新走上正轨。</span></p><section class="" data-id="41173" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><h2 style="margin: 8px 16px 15px;font-weight: bold;max-width: 100%;color: rgb(172, 29, 16);min-height: 32px;border-bottom: 1.5px solid rgb(172, 29, 16);border-top-color: rgb(172, 29, 16);border-right-color: rgb(172, 29, 16);border-left-color: rgb(172, 29, 16);text-indent: 0em;line-height: 1.5em;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="margin-right: 16px;margin-bottom: 15px;margin-left: 16px;padding: 4px 10px;max-width: 100%;min-height: 1em;color: rgb(255, 255, 255);float: left;text-indent: 0em;line-height: 1.5em;background-color: rgb(172, 29, 16);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">为健康</span></p><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong class="" data-brushtype="text" style="max-width: 100%;border-color: rgb(172, 29, 16);color: inherit;box-sizing: border-box !important;word-wrap: break-word !important;">不低于重疾医疗的平均水平</strong></span></h2></section><p style="margin: 8px 16px 15px;max-width: 100%;min-height: 1em;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;text-align: justify;text-indent: 0em;white-space: normal;widows: 1;font-family: 微软雅黑;line-height: 1.5em;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-family: 宋体;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">如果未来家里有人生病，医疗费有没有准备好？准备的够不够？这就需要再选择健康型保险的时候，我们最起码要跟平均的医疗治疗费用持平，准备不足，将来后悔都没得补救。</span></p><section class="" data-id="23" data-color="rgb(172, 29, 16)" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-size: 17px;font-variant-numeric: normal;font-variant-east-asian: normal;letter-spacing: 0.544px;line-height: 27.2px;text-align: justify;white-space: normal;widows: 1;font-family: 微软雅黑;border-width: 0px;border-style: none;border-color: initial;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><p style="margin: 10px 16px 15px;padding: 15px 20px 15px 45px;max-width: 100%;box-sizing: border-box;min-height: 1em;font-size: 14px;outline: 0px;border-width: 0px;border-style: initial;border-color: currentcolor;color: rgb(62, 62, 62);vertical-align: baseline;text-indent: 0em;line-height: 1.5em;background-image: url(" https:="" mmbiz.qpic.cn="" mmbiz="" yqvaqozvdibhxi5ekokr1ica9n2tin2mafrz4zmlbz9vjipyhvva3622v9m4opp0kibwg6f78hdchoabqbic1krfpw="" 640?wx_fmt="jpeg");background-color:" rgb(241,="" 241,="" 241);background-position:="" 1%="" 5px;background-repeat:="" no-repeat;word-wrap:="" break-word="" !important;"=""><span style="max-width: 100%;font-size: 15px;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">生命无价，责任有形。朋友，在你辛勤的为家庭和事业努力的时候，请不要忘记为自己的责任补上缺口，所以千万别应付别人，学会用保险，让你的爱与众不同，这才是真正的幸福感。</span></p></section><p style="max-width: 100%;min-height: 1em;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><br></p></section><p style="max-width: 100%;min-height: 1em;color: rgb(62, 62, 62);font-size: 16px;line-height: 25.6000003814697px;white-space: normal;font-family: 微软雅黑;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%;font-size: 12px;color: rgb(178, 178, 178);box-sizing: border-box !important;word-wrap: break-word !important;">文章来源：网络</span></p><p style="max-width: 100%;min-height: 1em;color: rgb(62, 62, 62);font-size: 16px;line-height: 25.6000003814697px;white-space: normal;font-family: 微软雅黑;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><img class="" data-ratio="0.046875" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz%2FgVWgjGfUMqb1xzCyOAYrz0dpLxsF1OpRpp87DkBKKUhVEiaDJExibOxfH4zG1MLAkWhhd6XuH7SRFgILvSUvyfNA%2F640%3F" data-type="other" data-w="640" style="margin-right: auto;margin-left: auto;font-family: 微软雅黑, 宋体;font-size: 14px;line-height: normal;display: block;clear: both;box-sizing: border-box !important;word-wrap: break-word !important;visibility: visible !important;width: 640px !important;" width="auto"></p>
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