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1、般资料GENERA1.INFORMATION根本资料家庭资料财务资料家庭保障需求分析PROTECTIONANA1.YSIS本人配偈1 .家庭雉持基金万元/元2 .教育基金一万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的租赁基金以供未来10年所需？每月租佥120个月=万元4 .应急基金万元万元（建议可以月支出X6来估第）这项端能是供家庭成员支付意外账单用途，例如；房屋整汽车维修5 .偿债基金万元万元信用卡余额现金卡借款汽车贷款佶用贷款傍其它费用6,身后即用基金万元万元医药开销您住院开倘与火葬费用7=1.+2+6=现金需求基金万元万元保
2、障需求缺乏额为万元万元教育储蓄需求分析EDUCATION&SAVINGANN1.YSIS1 r女】好名：年龄：岁,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X（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】A子女敦育基金需求合计万元2 f女2姓名：年龄：岁,预计上大学/研究所教育费用合计：万元大学/研究所教育基金需求：_万元万元A万元X（终伯利率因子）=【以18-（目前子女年龄）之通货膨胀率%来估总】子女敕Ir基金需求合计a教育基金缺乏额为I（C）A_-B=.一万元目前每月需提拨金额为=万元（年金终佰利率因子）12=元/月【以年之预计投资报册率%的年金
3、终值利率因子来估算】退休养老需求分析RETIREMENTANA1.YSIS现年岁，预计退休年龄岁,距退休尚有年，预估退休金须准备年数年.预计退休后辞月生活费用：建议以现行每月生活支出的60%-70%来Wi估）。万元X终值利率因子（通货膨眼率）X12个月=万元【若有社会保险或年金保险,则还需再扣除每年可领回年金z万元X年金现值利率因子【须准备年数（以预期报削率-通优膨胀率）%估算】=万元A退休养老需求缺乏额（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【以年之预计投资报削率%的年金终做利率因子来估算】2配偶现年岁，预计退休年龄岁，距退休尚有年，预估退休金须准符年数年
4、.预计退休后每月生活费用：建议以现行每月生活支出的6佻-7帙米Ki估）.万元X终怕利率因子（通货膨胀率）i2y=万元若客户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年金现值利率因子【须准备年数（以预期报IW率通货膨胀率）%估算】-万元A退休养老需求缺乏（C）,A_-B_=_万元洋月需提拨金额为=万元（年金终值利率因子）12=元,”（以年之预计投资报州率%的年金终值利率因子来估算医疗急用需求分析MEDICA1.ANA1.SIS住院医疗品房需求本人.配偶经常就诊医院病房差额元/日元/日根本收入及生活保障需未（年收入/12个月/30）元/H元I专业看护人员医疗茴求元/日元/日住应医疗品质
5、籥求总和元1111住院医疗品质需求缺乏额/日元/日重大疾病医疗需求盅大疾病医疗需求（建议以年收入X3年来作计制）万元万元代大疾病医疗需求缺乏额万元万元癌症医疔需求缺乏额癌症医疗需求（建议以年收入X5年来作计算）万元万元癌症医疗需求缺乏额万元万元伤残失能生活需求伤残失能生活需求（建议以年收入X10年来作计算）万元万元伤残失能生活需求缺乏额万元万元附表终值利率因子期数1%2%3%4%5%6%7%8%9%10%11.01001.02001.03001.(MOO1.05001.06001.071.08001.091.100O21.02011.04011.06091.08161.10251.12361.
6、14491.16641.18811.210031.03031.06121.09271.12491.15761.19101.22501.25971.29501.3310I1.01061.08241.12551.16991.21551.26251.31081.36051.11161.461151.05101.Kk1.1.1.15931.21671.27631.33821.40261.46931.53861.610561.06151.12621.19411.26531.34011.41851.50071.58691.67711.771671.07211.14871.22991.31591.40711
7、.50361.60581.71381.82801.948781.08291.17171.26681.36861.47751.59381.71821.85091.99262.143691.09371.19511.30481.42331.55131.68951.83851.99902.17192.3579101.10461.21901.34391.48021.62891.79081.96722.15892.36742.5937U1.11571.24311.38421.53951.71031.89832.10492.33162.58042.8531121.12681.26821.42581.6010
8、1.79592.01222.25222.51822.81273.138413141.13811.29361.46851.66511.88562.13292.40982.71963.06583.45231.14951.31951.51261.73171.97992.26092.57852.93723.34173.7975151.16101.34591.55801.80092.07892.39662.75903.17223.64254.1772161.17261.37281.60471.87302.18292.54042.95223.42593.97034.5950171.18431.40021.
9、65281.91792.29202.69283.15883.70004.32765.0515181.19611.42821.70242.02582.40662.85433.37993.99604.71715.5599191.20811.45681.75352.10682.52703.02563.61654.31575.14176.1159201.22021.48591.80612.19112.65333.20713.86974.66105.60446.7275211.23241.51571.86032.27882.78603.39964.M065.03386.10887.4002221.244
10、71.51601.91612.36992.92533.60354.43015.43656.65868.1103231.25721.57691.97362.46473.07153.81974.74055.87157.25798.9543241.26971.60842.03282.56333.22514.04895.O6.34127.91119.8497251.28241.64062.09382.66583.38644.29195.42746.84858.623110.8347261.29531.67342.15662.77253.55574.54915.80747.39649.399211.91
11、82271.30821.70692.22132.88M3.73354.82236.21397.988110.245113.1100281.32131.74102.28792.99873.92015.11176.64888.627111.167114.4210291.33451.77582.35663.11874.11615.41847.1M39.317312.172215.8631301.34781.81142.42733.24344.32195.74357.612310.062713.267717.4494311.36131.84762.50013.37314.53806.08818.145
12、110.867714.461819.1943321.37491.88452.57513.50814.76196.45318.715311.737115.763321.1138331.38871.92222.65233.64845.00326.84069.325312.676017.182023.2252341.40261.96072.73193.79435.25337.25109.978113.690118.728425.5477351.41661.99992.81393.94615.51607.686110.676614.785320.414028.1024361.13082.03992.89834.10395.79188.147311.123915.968222.251230.9127371.44512.08072.98524.26816.08148.636112.223617.245624.253834.0039381.45952.12233.07484.43886.38559.154313.07931
