18/12/2025
《她的故事，或许也会是你的故事》
我相信，大多数人都会觉得：
只要五大保障已经规划好，
人生至少算是有被照顾到。
我们努力生活、照顾家庭、为未来打算，
其实心里都希望——
当需要的时候，会有人、有资源可以接住我们。
她也是这样想的。
她是我的朋友，一位38 岁的已婚妈妈。
她知道我在从事保险、投资，也协助写遗嘱，
但我们很少真正聊到她自己的规划，
因为她一直觉得——
「我的保障已经做好了。」
在她的想法里，
只要把女儿抚养长大，
自己的人生，应该就可以好好地退休。
直到有一天，她很认真地对我说：
「我想看看你们的退休方案。」
根据她的需求，我为她规划了退休方案，
也顺便陪她一起重新检查目前的五大保障。
这时我们才发现，
她的严重疾病保障，其实只保障到 46 岁，
距离现在，只剩下 大约 8 年。
而这份保障，
是在她单身、刚工作四五年的时候购买的，
和她现在的身份、家庭角色，
已经有了一段不小的距离。
这也让我再次感受到——
保障不是买过一次就结束，
而是需要随着人生阶段，定期去了解与调整。
有时候，
我们不是没有规划，
而是在生活往前走的过程中，
忘了回头看看——
当初为自己准备的那把伞，
现在还够不够用。
💬 那你呢？
你有多久，没有认真看看自己现在的保障，
是否还适合现在的你了？
____________________________________________________
I believe most people feel that
once the five key protections are in place,
life is at least somewhat taken care of.
We work hard, care for our families, and plan for the future.
Deep down, what we really hope for is this —
when something happens,
there will be someone and some resources to catch us.
She thought the same.
She is my friend, a 38-year-old married mother.
She knows that I work in insurance and investments,
and that I also help with will planning.
But we rarely talked about her own planning,
because she always believed,
“My coverage is already taken care of.”
In her mind,
as long as she raised her daughter well,
the rest of her life
should naturally lead to a comfortable retirement.
Until one day, she said to me very seriously,
“I’d like to take a look at your retirement plan.”
Based on her needs,
I helped her put together a retirement plan,
and at the same time,
we reviewed her existing five key protections together.
That’s when we discovered something important —
her critical illness coverage only lasts until age 46,
which means there are only about 8 years left from now.
This policy was purchased
when she was single and had only been working for four or five years.
It no longer fully matches
her current role, responsibilities, and stage of life.
It reminded me once again that
planning is not something you do once and forget.
It needs to evolve as our lives do.
Sometimes,
it’s not that we didn’t plan.
It’s just that as life moves forward,
we forget to look back and ask —
is the umbrella we prepared back then
still enough for who we are today?
💬 What about you?
How long has it been since you last reviewed your coverage
to see whether it still fits the person you are now?
