Insurance is:

Use everyone's strength to prevent lifelong risks at the least cost. ※

Semi-compulsory savings to ensure the best long-term interest rate. ※

Help us shoulder the burden of family and children with negligible investment. ※

Guarantee future retirement and medical expenses. ※

The cash value of the policy can be lent or withdrawn flexibly. ※

Save taxes and ensure that assets are completely transferred to the next generation. ※

Protect personal dignity at the end of life. ※

There is no better system to replace it for more than 200 years! We can't replace it ourselves!

What is the use of insurance? (Risk and Insurance)

Insurance is not to ensure that risks do not occur, but to get help and support when risks occur.

With social progress and economic development, people's ability to resist risks has been greatly improved. The basic principle of insurance is to accumulate the financial resources of thousands of people in Qian Qian and form a large collective to resist and resolve risks. In this big group, everyone is a giver and a beneficiary. The basic function of insurance is to get timely assistance by paying in case of accident.

Insurance is like a parachute on an airplane. Although not necessarily useful, this guarantee is real.

What is life insurance?

First, mutual assistance: people who have donated blood must know that after donating blood for a certain number of times, they can exchange blood for emergency or even family needs. Usually we donate 250CC blood, which will not cause physical problems, but it can save us from bloodless panic. Blood donation is to save people, but also to save themselves.

The second is to prepare in advance and plan ahead: when summer comes, that is, when typhoons prevail, it is better to make more preparations and less losses. Children are vaccinated against smallpox and cholera to prevent infection. It is better to prepare beforehand than to regret afterwards.

Third, pay attention to safety: everyone may have made a lot of preparations, but one more defensive measure, such as the safety door on the car, the lifeboat on the boat, the fire lane and the fire extinguisher in the building, would rather be prepared than used, which would give people a sense of security.

Fourth, protection: although the car is protected by the car shell, it still needs a seat belt; Wear a helmet when riding a motorcycle, and workers should wear gloves to protect their hands from injury; Athletes wear knee pads to protect their knees. These are all protections.

The difference between insurance and savings.

Save:

1. Saving is a ladder and a method of gradually accumulating funds. It takes some time to reach the target quantity.

If you don't save enough money, even if there is an accident, it is a drop in the bucket and you are in a hurry.

3. Savings can calculate interest, but not risk.

4. The Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks can go bankrupt, and once a bank goes bankrupt, it may lose all its money.

5. The savings interest rate is variable, as evidenced by the continuous downward adjustment of the bank interest rate from 1996 to 1998.

6. Saving is just saving.

Insurance:

1, insurance is to take the elevator, which is characterized by obtaining the agreed amount of protection at the same time.

2. When it happens unintentionally, the insurance premium will be dozens or even hundreds of times higher than the insurance premium, which can be described as "four or two thousand dollars".

Insurance is to calculate the huge cost of risk and provide it to you in time.

4. The Insurance Law of People's Republic of China (PRC) stipulates that an insurance company engaged in life insurance business shall not be dissolved, and shall pay the premium on schedule.

5. Insurance protection will not change due to external factors.

6. Insurance is a kind of savings with both value preservation and insurance functions, which will be by your side when you need it.

Insurance is the driving force of life.

Life is actually pulling a cart uphill. The older you get, the heavier the family car will be. If you are not careful, the rope that pulls the cart will be broken, and the family will be greatly shaken and even decline rapidly.

If you pay a little money in advance to hire a person to help you push the cart, he can lend you a strong hand to help you tide over the difficulties when the car falls down, and the money is only given to him temporarily. At the appointed time, if he doesn't need to push the cart, he will return all the money, plus the interest is not lower than that of the bank. This good man is called insurance.

Advance, attack, retreat and defend.

The fire in Australia caused by El Nino and the harm of the Asian financial turmoil to the Asian economy all give people a warning that risks are everywhere, from countries to individuals. With insurance, we will:

Advance and attack-throw yourself in at will and do something vigorous.

Retreat and keep it-even if the family economy enters a "dark period" in the face of risks, it can be safely spent through insurance.

It can be seen that insurance is not a sharp weapon in attack, but the most solid and powerful backing in defense. The attack can wait until the best time, but the defense must start now.

Insurance is a spare tire for the family economy.

Significance and function of insurance 1

In our office or home, there are always things that are not commonly used but have to be prepared: if there are hundreds of thousands of words in the dictionary, we may only look them up once or twice; The fire extinguisher in the corner may not be useful after its service period; There may not be a power outage, but there is always a flashlight in the drawer; Thieves may not come to the door, but can we trust not to lock the door?

Insurance is a spare tire for the family economy. Although it is not often used, it must be prepared.

Cars can't live without spare tires. And life insurance is the best economic spare tire in our life journey.

In fact, everyone has insured it, but to whom?

Are you insured? In fact, everyone has been insured! Just "who is insured"! Smart people can easily ensure the stability of family financial foundation through the operation of insurance companies and reinsurance companies as long as they invest a little insurance premium; Moreover, some people carefully save the insurance premium, which is equivalent to insuring themselves, so he must bear the accident risk of the whole family alone, and there can be no mistakes! You must have thought about this question long ago. Let insurance bear these risks!

Who would have thought?

Although it is an old proverb, it contains infinite philosophy of life. No one likes accidents, and no one wants to talk about them, but that doesn't mean they don't exist or need to be considered. On the contrary, we should face problems rationally and solve them with wisdom!

In this world, there are many things that we can't avoid if we are not careful! It's better than what was published in the newspaper a while ago: a girl committed suicide by jumping off a building, but unexpectedly she killed a vendor selling meat buns. As a result, the person who wanted to commit suicide was fine, but the vendor selling meat buns was crushed into serious injuries and became a scapegoat. No matter how careful you are, accidents like this may still happen to us at any time. "Who would have thought?" It doesn't mean that you can feel at ease with careful attention. Instead of always worrying, it is better to buy an insurance to avoid worries!

Most people know to buy insurance for their houses and cars, but they often ignore that their precious lives need insurance more. In fact, insurance can ensure your safety and stability in the changeable life journey, so that you can sit back and relax without worrying about unexpected attacks.

You can't ignore the investment rate of five!

As an excellent person, you must know that investment is a university question, and you must never rely on intuition or simply consider profits. Any experienced investment expert will consider "five-rate investment", that is, in addition to the interest rate that most people are very concerned about, we must also consider "tax rate"-it will greatly discount our profits; "exchange rate"-it may shrink our principal, such as the loss of foreign exchange investment caused by the depreciation of the US dollar; "Risk rate"-it may make us lose everything, such as real estate investment companies and futures; "Mortality rate"-may make our investment fall short, even difficult to transfer, or have to bear a heavy price. Based on the "five investment rates" mentioned above, we can be sure that "insurance" is indeed the best tool for individuals and families to invest in financial management, because "insurance" takes into account the five investment rates and makes you a winner forever!

General investment is to earn a few cents with a dollar, and insurance is to guarantee the value of a dollar with a few cents. I believe that if you are smart, you will definitely choose the investment that is most beneficial to you-insurance.

Wife's pension

In life, the relationship between husband and wife is the most intimate and needs the most care and maintenance. It is not enough to rely on empty and unrealistic love slogans, but also to have concrete and practical actions as the basis, so that each other can have a stable and free life and truly enjoy sweet love and family happiness. According to statistics, women in * area will be widowed for eight years on average, because the average life expectancy of women is 76 years, which is four years longer than that of men's 72 years, and the average age of husbands is four years older than that of wives. Therefore, if the average husband is four years older, then * women will be lonely for eight years (76-72+4 = 8) in their old age. Besides losing their spiritual support, they also have to worry about the lack of material life. Every husband will get a pension when he works outside the home, while his wife has worked hard for her family all her life. Should she also get a retirement pension? Otherwise, who do you depend on for those eight years of living alone? Insurance can express your unchanging true love and let the other half have a happy and worry-free life.

The test of time has proved that insurance is indeed the most concrete expression of husband and wife's love and the best choice to ensure a happy life, so that your love will last forever. I believe you won't be stingy with this investment in love.

Don't overdraw your pension.

Some people do not hesitate to borrow money to send their children abroad in order to achieve great things for their children; Or for the children's lifelong worries, once these wishes are realized, leaving two wives to look at each other, I realized that time and tide wait for no man. By retirement age, I have overdrawn my pension. Not only can you not enjoy loving children, but you also have to face countless bills and debts. At this time, if I get sick and my children can't wait on me, it's really lonely.

Significance and function of insurance 1

It is important to invest in children, but whether we can invest in children and our own future will enable us to enjoy a carefree retirement after a hard life. Insurance is the best choice for you to invest in the future. It can plan a beautiful evening scene for you, so that you can still enjoy a happy, fulfilling and dignified life after retirement. Take out your insurance while you are young and get ready to ensure that life can still be easy after retirement.

Not afraid of currency depreciation, but afraid of its own value plummeting.

Many people can accept the concept of insurance, but they are worried that the devaluation of the currency will delay the timing of insurance. Unexpectedly, many opportunities that can't be missed in life are wasted in this hesitation. All countries in the world have similar currency problems and troubles, which means sustained economic growth and progress, and correspondingly, the continuous improvement of living standards should be good news for everyone. On the other hand, when there is inflation, we need money more, and besides paying dividends, insurance can also apply for pledge loans during this period, because if you insure in time now, there will be more sources of income to deal with inflation. The extent of currency depreciation is limited, but people's value often plummets because of accidents. Insurance can avoid the danger of your value plummeting, give you more ability to control the future, and let you and your family have a secure future.

Insurance is like a fire extinguisher and other disaster prevention products-"it is better not to prepare for a day if you don't use it for a hundred years", because it can play the greatest role when you need it most. As long as you save a small part of your daily expenses for insurance, you can have permanent income and protection. Please don't hesitate to miss the opportunity.

Wait! Wait! Wait!

Many people have good reasons to refuse to take out insurance, but no one can refuse to consider their own future, care for their families, maintain a guaranteed life, preserve their existing property, and refuse to fulfill their responsibilities to others ... Because no one can predict the future, anyone with foresight, love and responsibility will do himself a big favor without hesitation if he knows the true meaning of insurance.

Although many people can accept the concept of insurance, they have to wait for a period of time before they can apply for insurance at a more convenient time. Unexpectedly, there are many opportunities in life that cannot be missed, just waiting for hesitation. Yes, we can teach life insurance marketers to wait, but no one can teach diseases, accidents, disability and death ... and so on, and we will come back when everything is ready. Many people wait until it is too late to regret not taking out insurance in time. Insurance can give you more control over your future and give you and your family a secure future.

Really can't save money?

Twenty: I can't save money now Self-reliance is very difficult. Besides, I want to buy a car and need to pay by installment. Wait till I want to settle down!

Thirty: I can't save money now The expenses and responsibilities at home have made me breathless, such as loans, living expenses and children's milk money. Forget it! Wait till I get a raise or get rich in a few years!

Forty: I can't save money now. My family is going to college this year, and my boss is getting married at the end of the year. Where can I get spare money? Still wait for the children to get married one by one!

Fifty: I can't save money now. Some financial planning is not as general as I thought. Why do you want to study abroad? Saving money is a big expense. We'll see!

I can't save money now. I've always wanted to retire early, but how to eat? I wish I had some money on me.

Seventy years old: I still haven't saved any money. Because of this disease, I spilled a lot of money on my family and children. If I leave, I'm afraid there will be nothing left for them.

I really regret not having money! ! !

Insurance is saving money, not spending money, but transferring money, not spending money.

What is expensive is living expenses, not insurance.

Although many people can accept the concept of insurance, they are worried about the premium, which delays the opportunity of insurance. Smart people will save money, and for the sake of family economy, insurance is the best way to protect families. Families who encounter accidents have four sources of income: relatives, friends, others' relief or insurance claims. Which one do you like? Needless to say, of course, there is no artificial pressure insurance. Insurance premium is the epitome of future life, and the proportion is fixed. What is really expensive is not the insurance premium, but the living expenses. If we choose a cheap insurance premium today, we can only enjoy a poor living standard in the future, and you certainly don't want to discount the living standard of your family in the future, then today's insurance investment is worthwhile, not to mention that it is only a small part of our change, and it is really cost-effective to get permanent benefits and protection with a small contribution.

"Don't give up, become a river". What really knows how to manage money is the person who makes good use of small money, and saves the small money that may be wasted every day for insurance, so that you and your family can have a secure future.

Significance and function of insurance 1

Rich people need to buy insurance more.

If there is a printing machine, should it be in charge of the machine or the printed money?

You must choose to take care of the machine, because you can reprint money without the machine, but without the machine, there is nothing.

Successful people are like a printing machine.

A 40-year-old man can earn100000 a year, increasing by 5% every year, and the total price will be more than 3 million until he retires at the age of 60. Of course, the easiest way to properly maintain and take care of such a huge property is to buy life insurance.

People's own value is the most important, so we must take good care of ourselves.

After retirement, you will ...

After most people retire, they will face the following three possible situations:

First, travel around the world with the pension and pension accumulated in the early years and enjoy the old age.

Second, because I didn't make a good plan when I was young, I had to rely on others to take care of me. My parents have gone somewhere with their luggage.

Third, we should cheer up and try to get enough food and clothing.

If you had to choose, which one would you choose? In fact, no one will choose the second and third bleak old-age scenes mentioned above. However, to enjoy the leisurely old age like a wild crane in the clouds, we must pay a price, and only those who are prepared when we are young can get it, because this choice has been decided when we are young.

Insurance can guarantee that you will always enjoy the first choice. Get ready while you are young, and let insurance plan a beautiful evening scene for you, so that you can still enjoy a happy, fulfilling and dignified life after retirement.

How much insurance is appropriate?

Everyone's professional status, financial income and expenditure, physical condition and family background are different. Therefore, it is impossible to have an insurance that will suit anyone. Be sure to "tailor-made", but buying insurance is principled and can be considered from the following three aspects.

Death insurance. As the head of the family, how much insurance should I buy? The main consideration is the normal living expenses of relatives once they lose their main source of income. Generally speaking, this mainly comes from the affordability of payment, and it is generally appropriate to not exceed 10% of household disposable income. Without adequate protection, the normal quality of life will be affected.

The need for providing for the aged. When people get old, they lose their ability to work, and their income drops sharply or disappears. Therefore, pensions must be considered and must be bought enough. Generally, social insurance premiums can be considered together, plus some personal savings. , and then according to the personal annual income 1 ~ 3 times, deducting the factors of price increase and bank currency depreciation, it is basically possible.

Medical security. When people get older, diseases will come as scheduled. As the saying goes, people under the age of 30 will find a doctor, and people over the age of 30 will find someone. With the reform of medical system, the cost of seeing a doctor and taking medicine is rising, so buy some insurance for major diseases and hospitalization to improve medical quality, recover as soon as possible and make money as soon as possible.

How can adults wear children's clothes?

Buying insurance is like wearing clothes. Be sure to buy inappropriate insurance according to your identity, status, age and occasion. Just like adults wearing children's clothes, it looks strange and uncomfortable. Although they were wearing clothes, they didn't achieve the goal of wearing beautiful clothes. Therefore, it is good that insurance is not guaranteed, so you must make a reasonable plan in combination with your family's economic situation. Otherwise, an inappropriate insurance policy does not meet your actual needs.

The right insurance policy can really protect your family's economy. I believe you won't be stingy with this smart investment, let insurance provide you with protection and let you and your family have a stable future.

Who is the real winner?

In order to save a little insurance premium, some people would rather brazenly gamble with the God of Destiny every day and bet on the happiness of their family. If they win, they will be safe and save the insurance premium for other purposes. In case he loses, he will lose his family's living expenses in the future. This is really unwise, but there are still many people who are willing to risk their families' future lives and live a life of fear. In the end, it is inevitable that they will suffer heavy losses because of small things, which is really not worth it. Let insurance help us avoid this unnecessary gambling! In fact, the real winners are those who have been living under insurance protection. Because they have no worries, they can develop their careers with peace of mind and ensure the happiness of their families.

The function of insurance:

(1) Transfer risk: Buying insurance is to transfer your own risk, which provides insurance protection for many people with dangerous concerns. The institution that accepts the risk is the insurance company.

(2) Share the loss equally: The transfer risk is not that the disaster accident really leaves the insured, but that the insurer uses all the financial resources to compensate the economic loss of the insured. The economic losses caused by natural disasters and accidents are generally huge, which is difficult for the affected individuals to cope with and bear. In the form of collecting insurance premiums and paying compensation, the insurer distributes the huge losses of a few people to many insured people, making the unbearable losses of individuals become the losses that most people can bear. In fact, it distributes the losses equally to policyholders with the same risks.

(3) Implementation of compensation: the implementation of compensation should be based on the contract signed by both parties, and the scope of compensation mainly includes the following aspects: first, the property losses suffered by the insured due to disasters and accidents; Second, the insured suffers personal injury or death due to disasters or accidents, or the insurance premium payable at the expiration of the insurance period; Third, the economic compensation that the insured should pay to others according to law due to disasters and accidents; Fourth, the economic losses suffered by the insured due to the other party's failure to perform the contract; Fifth, all expenses incurred by the insured for rescuing the subject matter insured after the disaster accident.

(4) Mortgage loan and investment income: "Insurance Law" clearly stipulates "no loss of cash value". Although the customer has signed a contract with the insurance company, the customer has the right to terminate the contract and get the amount of surrender. The insurance contract also stipulates that customers can apply for 90% of the surrender premium as a loan when funds are tight. If you are in urgent need of funds and can't raise them at the moment, you can mortgage the insurance policy to the insurance company and get the corresponding loan from the insurance company.

At the same time, some life insurance products not only have insurance function, but also have certain investment value, that is to say, if an insurance accident occurs during the insurance period, the insurance company will pay the insurance money as agreed; If there is no insurance accident during the insurance period, the premium you get will not only exceed the premium you paid in the past, but also have other benefits besides the principal.

If you are satisfied, please accept it.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.