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Why buy insurance?
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 Insurance can be planned based on different needs, periods, and groups. |
| ．依GroupsAnd divided into - children/students, single nobles (golden singles/upstarts), DINKs, double (single) income families, seniors |
| ．依PeriodsThe periods of growth and study, youth entrepreneurship, family establishment and child rearing, middle-aged career success, and old age leisure. |
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．依NeedsGuidance - Make appropriate plans according to the following different needs：
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- Customer age (period)
- Occupation (ethnic group/military/stewardess/Taiwanese businessman)
- Degree of responsibility (single/with or without children/with or without mortgage, debt/supporting parents, etc.)
- Life planning (marriage/house, car/children's education fund/travel/retirement/asset allocation, tax considerations) and
- Other factors (inheritance/winning a lottery), etc.
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| Different periods of life |
Growth and Study
(0~25) |
Youth Entrepreneurship
(25~35) |
Start a family and raise children
(30~40) |
Successful career in middle age
(40~60) |
Happy Old Age
(60以上) |
| Insurance requirements |
Medical/education expenses |
Starting a business / studying abroad / getting married |
Marriage / House Purchase / Children's Education |
Retirement Planning |
Retirement / asset allocation, tax considerations |
| Responsibility |
None |
Low |
Highest |
High |
low |
| Risk tolerance |
None |
High |
Medium to high |
middle |
Low |
| Insurance planning direction |
Medical insurance / savings insurance / investment insurance |
Lifetime + Term Insurance / Investment Policy / Accident + Medical |
Lifetime + Term Insurance / Investment Policy / Accident + Medical |
Lifetime + term insurance / investment policy / accident + medical / pension or annuity insurance |
Short-term or lump sum whole life insurance / investment policy / medical / annuity insurance |
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