insurance类型要点.ppt

Protecting Against Economic Loss（Ⅱ） Many economic risks because of injury,sickness , death,unemployment,or retirement insurance 点击添加文本 点击添加文本 点击添加文本 点击添加文本 Auto insurance Life insurance Health care insurance Income insurance Home and property insurance Is it necessary for everyone to buy all kinds of insurance? You can base your need for insurance on the theory of probability How to decide which item to buy ? Consider if there is chance of financial loss Consider if you can afford the cost of insurance Consider the insurance policy(a written agreement or contract between the insurer and the insured) The ower of a $35,000 home would pay more for home insurance than the ower of a $20,000 home.However,if the $20,000 home were located in an area in which forest fires frequently occurred,the premium may be higher than for a $35,000 home in a fire-free area. Life insurance for a 60-year-old person would cost more than for an equal amount of insurance for a 15-year-old.This is because the 15-year-old can expect to live longer than the 60-year-old. Thank you