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王仁今年40岁,在义乌经营小商品批发,税后年收入20万元。目前未参加社保,因体重严重超标,投保寿险与医疗险都必须加费30%以上,也未投保任何商业保险。妻子张敏女士今年35岁,在一家民营企业担任中层管理者,税后年收入10万元,较为稳定,有三险一金,其中住房公积金交存比率个人与企业各5%,住房公积金贷款上限为20万元,过去交存的住房公积金都用来购房与还房贷。刚投保了一份保额为20万元的重疾险,交费期限20年,保至60岁,期满可领回所交保费。两人育有一子,今年10岁,就读小学。目前,王先生家庭有活期存款10万元,国债20万元,3年后到期。
Wang Ren, 40, runs a wholesale commodity in Yiwu and earns an annual income of 200,000 yuan after tax. Currently not participate in social security, due to serious weight, insurance and health insurance policy must be increased by more than 30%, also did not insure any commercial insurance. His wife, Ms.Zhang Min, 35, is a middle-level manager in a privately-owned enterprise. The annual income after tax is 100,000 yuan, which is relatively stable with three insurances and one gold. Among them, the housing accumulation fund deposit ratio is 5% for individuals and enterprises, and the ceiling for housing accumulation fund loans 200,000 yuan, the last deposit of housing provident fund are used to purchase and also mortgage. Just insured a 200,000 yuan insured amount of critical illness insurance, payment period of 20 years, Paul to 60 years old, can pay back the premiums expired. Two children have a son, 10 years old, studying in primary school. At present, Mr. Wang’s family has a current deposit of 100,000 yuan and a national debt of 200,000 yuan, which expires in three years.