Insurance is not everything, and insurance can be substituted. Insurance is not the best either. According to this understanding, I buy insurance in this way: insurance is not omnipotent, and there are shortcomings such as the freezing effect of insurance on funds and long-term occupation. Even if I can borrow the money from the insurance policy, it's inconvenient and doesn't take it. So the proportion of insurance I buy only accounts for about 10 of my deposit. Other real estate, gold, funds and so on. Both, with appropriate private investment. I don't want to go to the stock market now. It doesn't seem to suit me. Insurance can be replaced, so I think when I have a lot of money, I may have the ability to protect myself. I can stop buying insurance. But because I have money, wouldn't it be better for me to buy some insurance? So, I may still buy insurance. For example, Li Ka-shing bought a lot of insurance. Of course, people try to avoid taxes. But it seems that the big bills of insurance companies are bought by rich people, who are no more stupid than us. Insurance is not the best, there is no best in the world, only better, so choose the right insurance. You can't ask too much for insurance, thinking that insurance can solve all problems. In fact, many problems of insurance can't be solved, such as things beyond the scope of insurance liability, such as unemployment, so some people buy insurance and say that insurance is deceptive when they encounter things that can't be compensated. Of course, fraud in selling insurance is not ruled out. Why give money to the pension insurance company? I'll try to find some reasons for the insurance company. Let's see if it makes sense. 1, saving money by yourself and saving money in the bank is really the same as saving money by insurance companies, that is, how much money you have when you are old. Stocks, funds and futures are more risky than these, not to mention. However, one of the biggest advantages of holding it in your own hands and depositing it in the bank is that it is the most flexible and you can use it whenever you want. However, insurance has a disadvantage, that is, it cannot be misappropriated casually. Even if your best friend or relative lends you money, you can't move casually because you have a loss. In this way, it means that insurance has the function of compulsory savings. Of course, if you have a strong saving ability, and your six relatives don't recognize you, and there is no one to borrow, and you can invest, you don't need to buy endowment insurance, but you need to buy some for protection. 2. Insurance companies emphasize that insurance has not only the function of saving, but also the function of protection. For example, if you want to deposit 654.38+ million yuan, you can deposit 1 million yuan every year. Put it in the bank or in your own hands. If something happens to you in the fifth year (accident or serious illness or other problems are gone), then you will only have 50 thousand. And no matter how much insurance you have, there will be 65438+ 10,000 accidents. Suppose your insurance coverage is 10W. So insurance provides this kind of protection, and deposits will not have this kind. Of course, the average person will not have an accident (otherwise the insurance company will definitely not exist). 3. So I think if we can assume that the social economy is relatively stable (if there is chaos, we can do nothing and deposit money directly may be the safest), we can also believe that risks do exist and we can trust insurance companies, provided that the above conditions are established. There is really no need to deposit our money in the bank or just invest it, because the risk is too great. As for the inflation of endowment insurance, I learned later that this is not just an insurance problem, it is the same everywhere. The current situation lies in the current insurance. When inflation occurs, we can easily make money. Just add insurance. If something special happens, it's inflation, but something happens to us, it's really a failure. Therefore, insurance, like other financial management methods, is not the best and has risks. So if we have money, it should be: banks, funds, stocks, self-investment, insurance, gold, real estate and so on. Better than just saving money. There is only one way to resist inflation, and that is to spend all your money. So you can't spend all your money on savings and investment, you have to spend a lot. Otherwise, the worst thing is that we don't spend enough and lose a lot. Insurance seems to generally not exceed 10% of actual savings (don't listen to 10% of insurance company income). A lot has been said. You got it? I really want to speak for the insurance company, but everyone knows better. Take a look, of course, what can be recognized will be recognized, and what cannot be recognized will not be recognized. In fact, I just want to hear the opinions and reasons against it. To sum up, I can counter the sales promotion of insurance company agents. I'm going to put the words and reasons for not trusting the insurance company into the words of ordinary people refusing to pay compensation, otherwise, in the insurance market, there will only be sales, and if no one summarizes the refusal, it will become one-sided.