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Insurance need can be varied by different family structure, life cycle and demand objective. ．By different family structures - Single, Single Parent Family, Two-parent Family, Dual-income Family, High Net Worth Family and Senior Citizen. ．By different life cycles - Early Life, Married Life, Middle Age and Retirement Life. ．By demand objective - What is your goal of demand： Age (Stage) Occupation (White / Blue collar) Level of responsibility (Single, Parents, Mortgage etc) Personal planning (Getting married, child education fund, travel, retirement fund etc) Others (estate planning, lottery etc) Difference life cycles (or stages) Child to adult (0~25) Career starting point (25~35) Getting married and preparation of kids (30~40) Middle age and Success in career (40~60) Retirement (60 or above) Insurance need Medical / Educational expenditure Start a new business / study overseas / getting married Getting married / new house purchase / educational expenditure Retirement planning Retirement / asset allocation / tax consideration Responsibility level None Low Highest High Low Risk None High Medium to High Medium Low Insurance planning Medical insurance / Savings product / Investment link product Whole life/Term life insurance / Investment link product / Accident and medical insurance Whole life/Term insurance / Investment link product / Accident and medical insurance Whole life/Term life insurance / Investment link/Savings product/Accident and medical / Annuity Short term Savings/investment link insurance / medical insurance / Annuity Suggestion plan (For reference only) Savings Plan Savings Plan Savings Plan Savings Plan or Mini Bond Mini Bond

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