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．Most of us have already owned some insurance protection, is it necessary to review the plan regularly ?
  If you are going to buy a pair of shoe, you must choose the most suitable one because the functions of shoes is to protect your foot and leg, and walking in a comfortable way. Just like insurance, it protects our current and future life security, so a suitable insurance plan is same as important as a pair of suitable shoe.
Along with the age growth, financial circumstance's improvement, as well as the family responsibility's aggravation, the insurance safeguard should review regularly to ensure it does fulfill the financial requirements.
．Do we need to buy private insurance if we already have public / social insurance protection ?
 
In fact, the public insurances will provide us basic safeguard, but may not be enough for individual needs if the following financial risks occur :
  1. Loss of income through premature death - the family responsibility not fulfilled.
  2. Outliving personal income - aging issues in particular.
  3. Additional expenses due to loss of good health - the amount of hospital / medical care cost can be high.
．What is favorable tax treatments of insurance contract ?
 
Two major tax advantages of insurance contract :
  1. Premiums - To encourage people to buy private insurance, some countries (including Taiwan, Japan, German, France, Swiss, Italy, etc.) may allow taxpayers to enjoy tax relief for their premiums paid.
  2. Death proceeds - Most countries will either totally or partially exempt the proceeds from your estate for tax purpose. For example, the proceeds will be exempted from personal income tax if it is less than NT$ 30 million and will not be included in estate for tax purpose whatever the amount is in Taiwan.
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