Chapter 9第九章.ppt

Prentice Hall Inc. Chapter 9第九章 Life and Health Insurance人身保險與健康保險 Insurance: Planning and Control保險：計畫與控制 Life insurance marketing is very confusing – recommendations and policy language differ.人身保險市場是令人混淆不清─推薦保單及保險專業術語 Medical care is costly and sophisticated, with little incentive to economize costs.醫療照顧非常昂貴且複雜化 Employers, employees, and the unemployed face increasing costs and restrictions on health care.員工、雇主及未受僱者面臨增加的成本與醫療照顧的衝擊 Understanding the Logic Behind Insurance明瞭保險背後的邏輯 Insurance is an example of risk pooling – individuals share their financial risks to catastrophic losses from death, accidents, or health problems.保險是風險分攤的例子─以群體來分擔個體因死亡、意外或疾病所產生的財務風險 Life Insurance Policy Terms人身保險條款 Premium – the monthly cost of the policy保費─保單的每月成本 Face value – the benefit due upon death 面值─死亡時保單上所載明提供的金額 Insured – the person whose life is covered by the policy被保險人─保單上所記載生命受保障的人 Policy owner – the individual or business that pays for and owns the policy要保人─擁有保單的個人或企業 Beneficiary – the recipient of the benefit upon the death of the insured受益人─被保險人死亡時，指定收到保險利益之人 Life Insurance May Not Be Necessary for the Following下列的人可能不需人身保險 Single person without dependents單身且無人何親人 Double-income married couple without dependents雙薪、已婚且無人任何親人子女 Married, but unemployed, individual without dependents已婚但無工作，無任何子女親人 Retired persons已退休的人 Life Insurance May Be Necessary for Those有哪些人可能需要人身保險 With dependents有親人 Who are a married, single-income couple, with children 已婚，單薪且有子女 Who are business owners企業擁有者 Whose estate exceeds the estate tax-free transfer threshold ($1M in 2002 and 2003 and increasing to $1.5M in 2004 and 2005)遺產價值高於免課遺產稅的移轉門檻(2002年與2003年為一百萬美元， 2004與 2005年增加ㄧ百五十萬美元) Determine Your Life Insurance Needs: Two methods記算你的人身保險需求：兩種方法 The earnings multiple approach:盈餘乘數法 To replace the annual salary stream of a bread winner for X years, normally 5 – 15 times gross salary is recommended.，通常是建議你年收入總額5-15倍 The needs approach:需求估算法 To meet the needs of the household after the death of a