财务保险需求分析手册

财

务

需

求

分

析

手

册

一般资料GENERALINFORMATION

基本资料

■本人■配偶

a.姓名：____________________________a.姓名：___________________________

b.出生日期：年月口b.出生日期：年月日

c.年龄：____________________________c.年龄：___________________________

d.行动：____________________________d.行动：___________________________

e.企业名称：____________________________

f.企业：____________________________

家庭资料

姓名年龄关系姓名年龄关系

扶养__________________________扶养四：______________________________

iM一

扶养五：______________________________

财务资料

■本人■配偶

1.年收入：___________________________1.年收入：_______________________

2.每月支出：________________________2.每月支出：_____________________

3.储蓄与投资总计：__________________3.储蓄与投资总计：______________

A.活存/定存：_____________________A.活存/定存：_________________

家庭保障需求分析PROTECTIONANALYSIS

本人配偶

1.家庭维持基金............................................万元万元

■本人：■配偶：

a.遗族需求法1（有12岁如下子女者）a.遗族需求法I（有12岁如下子女者）

月支出_________X12月义月支出X12月X

2.教育基金.................................................万元万元

提供子女至大学毕业所需费用。

3.抵押贷款/租赁基金........................................万元万元

房屋抵押贷款余额：万元

或您需要准备多少口勺租赁基金以供未来23年所需？

每月租金X120个月=万元

4•应急基金.................................................万元万元

（提议可以月支出x6来估算）

这项基金是供家庭组员支付意外账单用途，例如：

◎房屋整修◎汽车维修

减

届时可提领的教育基金（储蓄险或其他）=万元

教育基金局限性额为：（C）：A-B=万元

目前每月需提拨金额为=万元+（年金终值利率因子）+12=元/月

【以年之估计投资酬劳率%口勺年金终值利率因子来估算】

［2］子女姓名：年龄：岁，估计上大学/研究所教育费用合计：万元

大学/研究所教育基金需求：

万元义（终值利率因子）=万元

【以18-（目前子女年龄）之通货膨胀率%来估算】

子女教育基金需求合计...........................................................万元A

减

届时可提领的教育基金（储蓄险或其他）=万元

教育基金局限性额为：（C）：A-B=万元

目前每月需提拨金额为=万元小（年金终值利率因子）^12=元/月

［以年之估计投资酬劳率和勺年金终值利率因子来估算】

退休养老需求分析RETIREMENTANALYSIS

本人

现年岁,估计退休年龄岁，距退休尚有年，预估退休金须准备年数年。

估计退休后每月生活费用：（提议以现行每月生活支出的60%-70%来预估）。

万元X终值利率因子（通货膨胀率）X12个月=万元

产y有社会保险或年金保险,则还需再扣除每年可领回年金_________________二_________________

________________万元］

X年金现值利率因子【须准备年数（以预期酬劳率-通货膨胀率）%估算】=

_________________万元A

减

■目前已准备资金：

a.养老满期金：..........................................................................万元

退休养老需求局限性额（C）：A-B=万元

目前每月需提拨金额为=万元+（年金终值利率因子）口2二元/月

【以年之估计投资酬劳率和勺年金终值利率因子来估算】

配偶

现年岁，估计退休年龄岁，距退休尚有年，预估退休金须准备年数年。

估计退休后每月生活费用：（提议以现行每月生活支出的60%-70%来预估）。

万元X终值利率因子（通货膨胀率）X12个月=万元

________________万元］

X年金现值利率因子【须准备年数（以预期酬劳率-通货膨胀率）%估算】=

________________万元A

减

■目前已准备资金：

a.养老满期金：.........................................................万元

退休养老需求局限性额（C）：A-B=万元

目前每月需提拨金额为=万元+（年金终值利率因子）+12=元/月

【以年之估计投资酬劳率%曰勺年金终值利率因子来估算】

医疗急用需求分析MEDICALANALS1S

住院医疗品质需求本人配偶

常常就诊医院病房差额......元/日元/日

基本收入及生活保障需求（年收入/12个月/30）.元/日元/日

专业看护人员医疗需求......元/日元/日

■住院医疗品质需求总和..元/日元/日

减

已备住院医疗补助保险..元/日元/日

已备住院日额给付保险.元/日元/日

住院医疗品质需求局限性额......................................元/日元/

日

重大疾病医疗需求

重大疾病医疗需求（提议以年收入X3年来作计算）……万元万元

减产名言大祢病理前给付）.......................万元万元

重大疾病医疗需求局限性额......................................万元万

元

癌症医疗需求局限性额

癌症医疗需求（提议以年收入X5年来作计算）.........万元万元

减已备重大疾病提前给付..万元万元

口攵壬+为布坦品衿H.............................................右*K*

癌症医疗需求局限性额..........................................万元万

元

伤残失能生活需求

伤残失能生活需求（提议以年收入X23年来作计算）万元万元

减己备个人意外保险......万元万元

口攵住由土台匕公.............................K三M二

伤残失能生活需求局限性额.......................................万元万

元

附表1终值利率因子

期数1%2%3%4%5%6%7%8%9%10%

11.01001.02001.03001.04001.05001.05001.07001.08001.09001.1000

21.02011.04041.06091.08161.10251.12361.14491.16641.18811.2100

31.03031.06121.09271.12491.15761.19101.22501.25971.29501.3310

41.04061.08241.12551.16991.21551.25251.31081.3605L41161.4641

51.05101.10411.15931.21671.27631.33821.40261.46931.53861.6105

61.06151.12621.19411.26531.34011.41851.50071.58691.67711.7716

71.07211.14871.22991.31591.40711.50361.60581.71381.82801.9487

81.08291.17171.26681.36861.47751.59381.71821.85091.99262.1436

91.09371.19511.30481.42331.55131.68951.83851.99902.17192.3579

101.10461.21901.34391.48021.62891.79081.96722.15892.36742.5937

111.11571.24341.38421.53951.71031.89832.10492.33162.58042.8531

121.12681.26821.42581.60101.79592.01222.25222.51822.81273.1384

131.13811.29361.46851.66511.88562.13292.40982.71963.06583.4523

141.14951.31951.51261.73171.97992.25092.57852.93723.34173.7975

151.16101.34591.55801.80092.07892.39662.75903.17223.64254.1772

161.17261.37281.60471.87302.18292.54042.95223.42593.97034.5950

171.18431.40021.65281.94792.29202.69283.15883.70001.32765.0545

181.19611.42821.70242.02582.40662.85433.37993.99604.71715.5599

191.20811.45681.75352.10682.52703.02563.61654.31575.14176.1159

201.22021.48591.80612.19112.65333.23713.86974.66105.60446.7275

211.23241.51571.86032.27882.78603.39964.14065.03386.10887.4002

221.24471.54601.91612.36992.92533.63354.43045.43656.65868.1403

231.25721.57691.97362.46473.07153.81974.74055.87157.25798.9543

241.26971.60842.03282.56333.22511.01895.07246.34127.91119.8497

251.28241.64062.09382.66583.38644.29195.42746.84858.623110.8347

261.29531.67342.15662.77253.55574.54945.80747.39649.399211.9182

271.30821.70692.22132.88343.73354.82236.21397.988110.245113.1100

281.32131.74102.28792.99873.92015.11176.64888.627111.167114.4210

291.33451.77582.35663.11874.11615.41847.11439.317312.172215.8631

301.34781.81142.42733.24344.32195.74357.612310.062713.267717.4494

311.36131.84762.50013.37314.53806.03818.145110.867714.461819.1943

321.37491.88452.57513.50814.76496.45348.715311.737115.763321.1138

331.38871.92222.65233.64845.00326.81069.325312.676017.182023.2252

341.40261.96072.73193.79435.25337.25109.978113.690118.728425.5477

351.41661.99992.81393.94615.51607.636110.676614.785320.414028.1024

361.43082.03992.89834.10395.79188.147311.423915.968222.251230.9127

371.44512.08072.98524.26816.08148.636112.223617.245624.253834.0039

381.45952.12233.07484.43886.38559.154313.079318.625326.436737.4043

391.47412.16473.16704.61646.70489.733513.994820.115328.816041.1448

401.48892.20803.26204.80107.040010.235714.974521.724531.409445.2593

501.64462.69164.38397.106711.167418.420229.457046.901674.3575117.3909

601.81673.28105.891610.519618.679232.937757.9464101.2571176.0313304.4816

附表2年金终值利率因子

期数1%2%3%4%5%6%7%8%9%10%

11.01001.02001.03001.04001.05001.06001.07001.08001.09001.1000

22.03012.06042.09092.12162.15252.18362.21492.24642.27812.3100

33.06043.12163.18363.24653.31013.37463.43993.50613.57313.6410

44.10104.20404.30914.41634.52564.63714.75074.86664.98475.1051

55.15205.30815.46845.63305.80195.97536.15336.33596.52336.7156

66.21356.43436.66256.89837.14207.39387.65407.92288.20238.4872

77.28577.58307.89238.21428.54918.89759.25989.636610.028510.4359

88.36858.75469.15919.582810.026610.491310.978011.487612.021012.5795

99.46229.949710.463911.006111.577912.180812.816413.486614.192914.9374

1010.566811.168711.807812.486413.206813.971614.783615.645516.560317.5312

1111.682512.412113.192014.025814.917115.869916.888517.977119.140720.3843

1212.809313.680314.617815.626816.713017.882119.140620.495321.953423.5227

1313.947414.973916.086317.291918.598620.015121.550523.214925.019226.9750

1415.096916.293417.598919.023620.578622.276024.129026.152128.360930.7725

1516.257917.639319.156920.824522.657524.672526.888129.324332.003434.9497

1617.430419.012120.761622.697524.840427.212929.840232.750235.973739.5447

1718.614720.412322.414424.645427.132429.905732.999036.450240.301344.5992

1819.810921.840624.116926.671229.539032.760036.379040.446345.018550.1591

1921.019023.297425.870428.778132.066035.785639.995544.762050.160156.2750

2022.239224.783327.676530.969234.719338.992743.865249.422955.764563.0025

2123.471626.299029.536833.248037.505242.392348.005754.456861.873370.4027

2224.716327.845031.452935.617940.430545.995852.436159.893368.531978.5430

2325.973529.421933.426538.082643.502049.815657.176765.764875.789887.4973

2427.243231.030335.459340.645946.727153.864562.249072.105983.700997.3471

2528.525632.670937.553043.311750.113558.156467.676578.954492.3240108.1818

2629.820934.344339.709646.084253.669162.705873.483886.3508101.7231120.0999

2731.129136.051241.930948.967657.402667.528179.697794.3388111.9682133.2099

2832.450437.792244.218951.966361.322772.639886.3465102.9659123.1354147.6309

2933.784939.568146.575455.084965.438878.058293.4608112.2832135.3075163.4940

3035.132741.379449.002758.328369.760883.8017101.0730122.3459148.5752180.9434

3136.494143.227051.502861.701574.298889.8898109.2182133.2135163.0370200.1378

3237.869045.111654.077865.209579.063896.3432117.9334144.9506178.8003221.2515

3339.257747.033856.730268.857984.0670103.1838127.2588157.6267195.9823244.4767

3440.660348.994559.462172.652289.3203110.4348137.2369171.3168214.7108270.0244

3542.076950.994462.275976.598394.8363118.1209147.9135186.1021235.1247298.1268

3643.507653.034365.174280.7022100.6281126.2681159.3374202.0703257.3759329.0395

3744.952755.114968.159484.9703106.7095134.9042171.5610219.3159281.6298363.0434

3846.412357.237271.234289.4091113.0950144.0585184.6403237.9412308.0665400.4478

3947.886459.402074.401394.0255119.7998153.7620198.6351258.0565336.8824441.5926

4049.375261.610077.663398.8265126.8398164.0477213.6096279.7810368.2919486.8518

5065.107886.2710116.1808158.7738219.8154307.7561434.9860619.6718888.44111280.2994

6082.4864116.3326167.9450247.5103371.2629565.1159870.46681353.47042119.82343338.2980

附表3年金现值利率因子

期数1%2%3%4%5%6%7%8%9%10%

]

0.99010.98040.97090.96150.95240.94340.93460.92590.91740.9091

21.97041.94161.91351.88611.85941.83341.80801.78331.75911.7355

32.94102.88392.82862.77512.72322.67302.62432.57712.53132.4869

43.90203.80773.71713.62993.54603.46513.38723.31213.23973.1699

54.85344.71354.57974.45184.32954.21244.10023.99273.88973.7908

65.79555.60145.41725.24215.07574.91734.76654.62294.48594.3553

76.72826.47206.23036.00215.78645.58245.38935.20645.03304.8684

87.65177.32557.01976.73276.46326.20985.97135.74665.53485.3349

98.56608.16227.78617.43537.10786.80176.51526.24695.99525.7590

109.47138.98268.53028.11097.72177.36017.02366.71016.41776.1446

1110.36769.78689.25268.76058.30647.88697.49877.13906.80526.4951

1211.255110.57539.95409.38518.86338.38387.94277.53617.16076.8137

1312.133711.348410.63509.98569.39368.85278.35777.90387.48697.1034

1413.003712.106211.296110.56319.89869.29508.74558.24427.78627.3667

1513.865112.849311.937911.118410.37979.71229.10798.55958.06077.6061

1614.717913.577712.561111.652310.837810.10599.44668.85148.31267.8237

1715.562314.291913.166112.165711.274110.47739.76329.12168.54368.0216

1816.398314.992013.753512.659311.689610.827610.05919.37198.75568.2023

1917.226015.678514.323813.133912.085311.158110.33569.60368.95018.3649

2018.045616.351414.877513.590312.462211.469910.59409.81819.12858.5136

2118.857017.011215.415014.029212.821211.764110.835510.01689.29228.6487

2219.660417.658015.936914.451113.163012.041611.061210.20239.44248.7715

2320.455818.292216.443614.856813.488612.303411.272210.37119.58028.8832

2421.243418.913916.935515.247013.798612.550411.469310.52889.70668.9847

2522.023219.523517.413115.622114.093912.783411.653610.67489.82269.0770

2622.795220.121017.876815.982814.375213.003211.825810.81009.92909.1609

2723.559620.706918.327016.329614.643013.210511.986710.935210.02669.2372

2824.316421.281318.764116.663114.898113.406212.137111.0511J0.11619.3066

2925.065821.844419.188516.983715.141113.590712.277711.158410.19839.3696

3025.807722.396519.600417.292015.372513.764812.409011.257810.27379.4269

3529.408624.998621.487218.664616.374214.498212.947711.654610.56689.6442

4032.834727.355523.114819.792817.159115.046313.331711.924610.75749.7791

4536.094529.490224.518720.720017.774115.455813.605512.108110.88129.8628

5039.196131.423625.729821.482218.255915.761913.800712.233510.96179.9148

5542.147233.174826.774422.108618.633515.990513.939912.318611.01409.9471

附表42023年中国著名大学学费及生活费一览表

生活费

都市学校每学年学费（住宿费+生活

费）

清华大学5,000-10,000元2,500元/月

北京大学4,800-10,000元2,500元/月

北京师范大学4,800-10,000元2,500元/月

中国人民大学6,000-10,000元2,500元/月

北京航空航天大

北京学4,200-10,000元2,500元/月

中国农业大学3,000-10,000元2,500元/月

北京理工大学4,200-10,000元2,500元/月

北京科技大学4,200-10,000元2,500元/月

北京化工大学4,500-10,000元2,500元/月

北京交通大学5,000-10,000元2,500元/月

上海交通大学5,000-12,000元2,500元/月

复旦大学6,000-10,000元2,500元/月

同济大学5,000-15,000元2,500元/月

华东师范大学5,000-10,000元2,500元/月

上海华东理工大学5,000-15,000元2,500元/月

上海大学5,000-15,000元2,500元/月

东华大学5,000-12,000元2,500元/月

上海财经大学5,000-15,000元2,500元/月

上海外国语大学5,000-13,000元2,500元/月

浙江大学4,800-16,000元2,500元/月

浙江工业大学4,000-15,000元2,500元/月

宁波大学4,000-9,000元2,500元/月

浙江

浙江工商大学4,600-15,000元2,500元/月

浙江理工大学5,000-15,000元2,500元/月

浙江师范大学4,000-15,000元2,500元/月

中山大学4,560-30,000元2,500元/月

华南理工大学5,160-10,000元2,500元/月

暨南大学4,200-10,000元2,500元/月

广东

华南师范大学4,200-10,000元2,500元/月

华南农业大学5,160-10,000元2,500元/月

南方医科大学4,200-10,000元2,500元/月

附表52023年国外著名大学学费及生活费一览表

国

生活费(住

家学校每学年学费

宿费+生活费)

澳洲国立大学(TheAustralianNationa1

University)20,400—22,800澳元1,000澳元/月

墨尔本大学(TheUniversityofMe1bourne)19,000—22,000澳元1,000澳元/月

悉尼大学(TheUniversityofSydney)11,000—30,000澳元1,000澳元/月

澳

昆士兰大学(TheUniversityofQueens1and)2,0275—35,350澳元1,000澳元/月

莫那什大学(MonashUniversity)9,950—27,000澳元1,000澳元/月

大

新南威尔士大学(TheUniversityofNewSouth

Wa1es)10,825—30,100澳元1,000澳元/月

利

昆士兰理工大学QueenslandUniversityof

Technology16,000—21,000澳元1,000澳元/月

亚

皇家墨尔本理工大学(RMITUniversity)12,100—20,050澳元1,000澳元/月

西澳大利亚大学(TheUniversityofWestern

Austra1ia)18,000—24,200澳元1,000澳元/月

阿得雷德大学