個中心思縝密、屬於「J人」的Z世代，可循序漸進成立保障為目標，先籌劃「低保費、高保障」的按期健康醫療險及按期壽險，再視本身的收入成長，轉動式調劑為畢生醫療險或畢生壽險；到了人生需要考量健康及資產規劃周全性的階段時，再根據自身的需求，逐漸運用分紅保單或是涵蓋醫療保障的分紅綜合保險，作為將來家庭保障設置裝備擺設。

而隨遇而安的「P人」，則可以從若何運用保險增加生活中的彈性動身，出社會時以定期健康醫療險及按期壽險增加保障，同時也可統籌資金彈性；面臨將來的風險，也可遵照那時的家庭狀態及保障需求，彈性調劑醫療或是重大疾病險種，逐漸增強保障，當突發狀態帶來生活考驗，仍能靈活迎接人生挑戰，享受人生當下的誇姣。保誠人壽認為，剛出社會的新鮮人，在基礎薪資的情形下，皆可先以定期險作為根基保障籌劃。

判斷型人格（J人）偏向有層次的規劃；而感知型人格（P人）重視當下所産生的事，可以或許靈動變通。

分歧的MBTI人格維度雖然性情有差別，但在完美保障計劃的需求大同小異。保誠人壽強調，剛踏入職場的Z世代懷抱著弘遠的理想邁向社會，由學生踏入職場的階段，也別忘了本身平安是最大的財富，在進行儲蓄以告竣人生胡想藍圖之餘，也要記得完善的保障籌劃，將風險轉嫁給保險公司，才可讓本身在碰到突發狀態時從容面臨。","publisher":{"@type":"Organization","name":"Yahoo奇摩新聞","logo":{"@type":"ImageObject","url":"https://s.yimg.com/cv/apiv2/twmobi/icon/yahoo_tw_logo_structuredata_20200630.png","width":136,"height":60}},"author":{"@type":"Person","name":"葉憶如｜Yahoo財經特派記者","url":"https://tw.stock.yahoo.com/author/%E8%91%89%E6%86%B6%E5%A6%82","jobTitle":""},"creator":{"@type":"Person","name":"葉憶如｜Yahoo財經特派記者","url":"https://tw.stock.yahoo.com/author/%E8%91%89%E6%86%B6%E5%A6%82","jobTitle":""},"provider":{"@type":"Organization","name":"Yahoo奇摩股市","url":"https://tw.stock.yahoo.com/reporter/","logo":{"@type":"ImageObject","width":156,"height":32,"url":"https://s.yimg.com/os/creatr-uploaded-images/2024-12/1eeff400-bcd6-11ef-8ffc-9e7a7e9d3e65"}},"image":{"@type":"ImageObject","url":"https://s.yimg.com/ny/api/res/1.2/EWTlBs_G6arLHo2tusdY0g--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTY0MA--/https://s.yimg.com/os/creatr-uploaded-images/2023-06/ba0cbda0-1661-11ee-9a7f-bedbd24e67bf","height":640,"width":960},"thumbnailUrl":"https://s.yimg.com/ny/api/res/1.2/EWTlBs_G6arLHo2tusdY0g--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTY0MA--/https://s.yimg.com/os/creatr-uploaded-images/2023-06/ba0cbda0-1661-11ee-9a7f-bedbd24e67bf"}