准妈妈定制保险组合建议清单
| 保险类型 | 推荐配置 | 用途 | 是否必要 |
|---|---|---|---|
| 🧡 家庭定额寿险 (Level Term Life Insurance) | £250,000 保额 保障 20 年 | 万一身故，保障孩子的生活、教育、成长费用 | ✅ 强烈推荐 |
| ❤️ 重疾保险 (Critical Illness Cover) | £50,000–£100,000 保额 保障 20 年 | 诊断出重大疾病（如癌症、中风）时可获赔，用于治疗或维持家庭生活 | ✅ 推荐 |
| 💼 收入保障保险 (Income Protection) | 每月 £1,500–£2,000 保障至60岁 | 因病或意外无法工作时，每月替你发“工资” | ⚠️ 视是否有稳定带薪病假而定 |
| 👶 儿童附加保障 (Children’s Critical Illness Add-on) | £10,000–£30,000 附加在主保单上 | 如果宝宝患病或住院，也可获得赔偿支持 | 可选 |
| 🏡 递减型寿险 (Decreasing Term Life Insurance) | £200,000–随房贷逐年递减 | 专门用来偿还房贷 💡您已有此项 | ✅ 已配置 |
💬 给保险顾问/客服的英文沟通模板
Subject: Request to Add Family and Critical Illness Cover as I’m Expecting a Baby
Hi,
I currently hold a decreasing term life policy with AIG linked to my mortgage. As I’m now expecting a baby, I would like to add an additional level term life insurance policy to protect my child and family financially. I’m also considering critical illness cover and possibly income protection.Could you please advise what options are available and provide quotes?
Many thanks,
{Your Name}
📌 小贴士
- 🗓️ 孕期越早配置保险越好（身体尚稳定，健康申报更容易通过）
- 🧾 建议与已有保单分开购买新保障，以免未来修改更灵活
- ✅ 多数保险公司支持 电话/线上投保，非常适合怀孕期间办理