【文章內(nèi)容簡介】 000預計退休年齡60 55出險后支出調(diào)整率%%預計終老年齡80 85 遺屬年稅后可支配收入$51,070$252,210已保終身壽險保額$500,000$0遺屬生活費用現(xiàn)值$350,772 ($2,298,654)已保定期壽險保額$0$400,000遺屬退休金缺口現(xiàn)值$310,419$620,848已投保兩全險保額$0$0緊急預備金$37,575$37,575已投保意外險保額$0 $0 當前負債額$8,000$8,000已投保醫(yī)療險保額$0 $0 子女教育金現(xiàn)值$961,376$961,376已投保年金險保額$0 $0 喪葬費最終支出$50,000$50,000兩全險幾年后領回0 0 可變現(xiàn)生息資產(chǎn)$1,045,400$1,045,400年金險幾年后開始領0 0 資產(chǎn)變現(xiàn)折扣率%%遺屬生活費用成長率%%家庭保額總需求$777,282$0保險金的投資報酬率%%應加保定期壽險保額$277,282$0繳至退休定期險費率%%擬投保住院醫(yī)療險額$200,000 $200,000 住院醫(yī)療險費率%%應加保住院醫(yī)療險額$200,000 $200,000 意外傷害險費率%%應投保意外險保額$1,554,564 $0 終身壽險保險費率%%應加保意外險保額$1,554,564 $0 當前年繳保費$18,000 $2,000 可投保終身壽險保額$134,056 $7,675 可增保費預算$19,832 $5,661 說明:n 家庭保額總需求=遺屬生活費用現(xiàn)值*+遺屬退休金缺口現(xiàn)值+ 緊急預備金+當前負債額+子女教育金現(xiàn)值+喪葬最終支出可變現(xiàn)生息資產(chǎn) *資產(chǎn)變現(xiàn)折扣率n 遺屬生活費用年缺口=（當年家庭支出當年子女教育金)*家庭支出調(diào)整率遺屬當年收入n 遺屬生活費用現(xiàn)值=PV(保險金報酬率,離退休年限， 遺屬生活費用年缺口)n 遺屬退休金缺口現(xiàn)值來自退休規(guī)劃電子表格的結果n 子女教育金現(xiàn)值來自生涯仿真表的計算結果n 可變現(xiàn)生息資產(chǎn)=流動資產(chǎn)+投資性資產(chǎn)壽險現(xiàn)金價值，壽險現(xiàn)金價值出險時會包含在已投保壽險額度內(nèi)。n 按照定期壽險、醫(yī)療險、意外險、與終身壽險的順序往下配置，以保費預算扣除依照費率表算出來的，應投保定期壽險保額所需的保費后，還有剩余再按醫(yī)療險需求投保醫(yī)療險還有剩余按壽險的兩倍投保意外險，保滿意外險應有保額后若預算還是有剩余才買終身壽險。三) 擬定可達成理財目標或解決問題的方案1. 調(diào)整前幾年后本人收入配偶收入住房公積金家計支出學費支出購車換車購房換房孝養(yǎng)尊親屬國外旅游保險流量凈現(xiàn)金流量理財準備期初生息資產(chǎn)　　 　　　　　$954,425 $954,425 1$264,821 $53,624 $34,760 ($116,550)($21,000)$0 ($105,000)$0 ($21,000)($45,492)$44,162 $1,072,298 2$278,062 $56,305 $15,129 ($122,378)($22,050)$0 ($81,635)$0 ($22,050)($45,492)$55,891 $1,211,003 3$291,965 $59,120 $15,507 ($128,496)($23,153)($123,909)($81,635)($46,305)($23,153)($45,492)($105,550)$1,198,979 4$306,563 $62,076 $15,895 ($134,921)($24,310)$0 ($81,635)($48,620)($24,310)($45,492)$25,245 $1,316,821 5$321,891 $65,180 $16,292 ($141,667)($25,526)$0 ($81,635)($51,051)($25,526)($45,492)$32,466 $1,450,987 6$337,986 $68,439 $16,700 ($148,751)($26,802)$0 ($81,635)($53,604)($26,802)($45,492)$40,039 $1,603,086 7$354,885 $71,861 $17,117 ($156,188)($42,213)$0 ($81,635)($56,284)($28,142)($45,492)$33,909 $1,760,801 8$372,629 $75,454 $17,545 ($163,998)($44,324)$0 ($81,635)($59,098)($29,549)($45,492)$41,532 $1,938,321 9$391,260 $79,226 $17,984 ($172,197)($46,540)$0 ($81,635)($62,053)($31,027)($45,492)$49,527 $2,137,545 10$410,824 $83,188 $18,433 ($180,807)($48,867)$0 ($81,635)($65,156)($32,578)($45,492)$57,910 $2,360,539 11$431,365 $87,347 $18,894 ($170,863)($376,275)$0 ($81,635)($68,414)($34,207)($45,492)($239,279)$2,303,565 12$452,933 $91,714 $19,366 ($179,406)($395,088)$0 ($81,635)($71,834)($35,917)($45,492)($245,359)$2,236,112 13$475,580 $96,300 $19,851 ($188,376)($37,713)$0 ($81,635)($75,426)($37,713)($45,492)$125,375 $2,534,183 14$499,359 $101,115 $20,347 ($197,795)($39,599)$0 ($81,635)($79,197)($39,599)($45,492)$137,504 $2,867,403 15$524,326 $106,171 $20,855 ($184,609)($415,786)$0 ($81,635)($83,157)($41,579)($45,492)($200,904)$2,887,950 16$18,505 $46,485 $0 ($183,361)($436,575)$0 $0 ($87,315)($43,657)$0 ($685,918)$2,425,070 17$19,430 $48,228 $0 ($192,530)$0 $0 $0 ($91,681)($45,840)$0 ($262,392)$2,349,967 18$20,402 $50,058 $0 ($202,156)$0 $0 $0 ($96,265)($48,132)$0 ($276,093)$2,255,363 19$21,422 $51,980 $0 ($212,264)$0 $0 $0 $0 ($50,539)$0 ($189,401)$2,240,145 20$22,493 $53,998 $0 ($222,877)$0 $0 $0 $0 ($53,066)$0 ($199,452)$2,213,700 21$23,618 $56,116 $0 ($234,021)$0 $0 $0 $0 ($55,719)$0 ($210,006)$2,174,659 22$24,799 $58,340 $0 ($245,722)$0 $0 $0 $0 ($58,505)$0 ($221,088)$2,121,521 23$26,039 $60,676 $0 ($258,008)$0 $0 $0 $0 ($61,430)$0 ($232,724)$2,052,643 24$27,340 $63,128 $0 ($270,908)$0 $0 $0 $0 ($64,502)$0 ($244,941)$1,966,228 25$28,708 $65,704 $0 ($284,454)$0 $0 $0 $0 ($67,727)$0 ($257,770)$1,860,311 26$30,143 $68,407 $0 ($298,677)$0 $0 $0 $0 ($71,113)$0 ($271,240)$1,732,744 27$31,650 $71,246 $0 ($313,610)$0 $0 $0 $0 $0 $0 ($210,714)$1,655,851 28$33,233 $74,227