<p>&nbsp;</p> <div style="line-height: 32pt" align="center"><span style="font-size: 19pt">人生不同阶段保险保障需求重点分析表</span></div> <div align="left">&nbsp;</div> <p> <table style="background: #ff6600" cellspacing="1" cellpadding="0" border="0"> <tbody> <tr> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 59.25pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="79"> <div align="center"><b><i><span style="font-size: 12pt">人生阶段</span></i></b></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 99pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="132"> <div align="center"><b><span style="font-size: 12pt">单身期</span></b></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 126pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="168"> <div align="center"><b><span style="font-size: 12pt">家庭形成期（结婚）</span></b></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 117pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="156"> <div align="center"><b><span style="font-size: 12pt">家庭成长期(孩子出生)</span></b></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 125.25pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="167"> <div align="center"><b><span style="font-size: 12pt">家庭成熟期（退休期）</span></b></div> </td> </tr> <tr> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 59.25pt; padding-top: 2.25pt; border-bottom: #f0f0f0" width="79"> <div align="center"><b><span style="font-size: 12pt">阶段概况</span></b></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 99pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="132"> <div align="left"><span style="font-size: 12pt">经济独立<br /> 身体健康<br /> 经济责任相对较少<br /> 年轻气盛<br /> 意外事故发生率高<br /> 保费最便宜<br /> 保障时间最长</span></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 126pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="168"> <div align="left"><span style="font-size: 12pt">人生的一大转折<br /> 双薪家庭<br /> 两人工作忙于奔波<br /> 可能购买房屋<br /> 家庭的主要经济支柱责任较重<br /> &nbsp;</span></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 117pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="156"> <div align="left"><span style="font-size: 12pt">划时代的变化<br /> 家庭责任最重的时候<br /> 子女教育费用高<br /> 成人病危险群<br /> 着手退休金规划<br /> 父母发生意外或疾病引起收入中断对孩子的健康成长影响很大</span></div> </td> <td style="border-right: #f0f0f0; padding-right: 2.25pt; border-top: #f0f0f0; padding-left: 2.25pt; background: white; padding-bottom: 2.25pt; border-left: #f0f0f0; width: 125.25pt; padding-top: 2.25pt; border-bottom: #f0f0f0" valign="top" width="167"> <div align="left"><span style="font-size: 12pt">人的寿命日益延长<br /> 收入大幅减少<br /> 医疗费用增加<br /> 退休后生活费用逐渐增加<br /> 养儿防老风险大、失尊严<br /> 社会养老只提供基本保障</span></div> </td> </tr> </tbody> </table> </p>