🌟核查保障范围
是否涵盖了住院、意外、重疾、孕产等实际生活风险?有没有漏掉“新加坡常见病种”?
🌟审视保额是否匹配当前生活开支
孩子上学了?家庭成员增多?生活成本变化?那你的保额跟得上吗?
🌟检查保费支出占比
年收支结构变了,保费是不是压缩了生活质量?有没有更灵活的保费安排方式?
🌟更新保单受益人信息
家庭结构变化后,别忘了检查和更新你的受益人设定,避免将来出现纠纷。
💡重新定义你的目标
孩子教育金准备得怎么样?
想几年内置业?
提前规划退休有没有开始行动?
💡风险偏好会变
结婚、生娃后,我们的风险承受能力会自然降低。原来的激进配置,是不是该调一调?
💡三阶段资产划分:短期 / 中期 / 长期
短期:应急金、流动储蓄
中期:教育金、家庭大项支出
长期:退休储备、遗产规划
🧩好好划分资金池,也能让你在不同阶段都安心!
✨ 一句话总结:
保单年检 ≠ 忙一场
是为了让我们的家庭保障体系和理财布局真正为生活服务,而不是纸上谈兵。
#新加坡保险 #新加坡理财 #保单年检 #新加坡新移民家庭 #理财规划
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