It's worth buying, because it can help you resist some sudden disease risks, and examples of poverty caused by illness abound.

why is the current social recognition of insurance so low? On the one hand, many insurance brokers are part-time, and naturally their professional standards and abilities are insufficient, which leads to the introduction of insurance products that do not meet the needs of insurers well and do not cover the risk exposure.

on the other hand, some insurance brokers exaggerate the scope of insurance compensation in order to make more bills and increase commissions, which is not in line with the actual situation of insurers, and some relatives and friends around them recommend them one by one just to make money, which leads to the worsening reputation of insurance.

In fact, insurance is a very good thing. In western countries and Hong Kong, the development of insurance has been standardized, and the marketing and claim settlement processes of insurance are standardized. Risks deliberately help you resist risk exposure.

Therefore, when buying insurance, you must find a professional to fully understand, and you must make in-depth and detailed consultation on premium payment, coverage, payment conditions, etc., and buy some insurances that are helpful to you, including critical illness insurance and personal insurance.

should I buy insurance? I believe many people have this question. Many people want to buy it, but they are afraid to buy it. They think that the insurance salesman is a dog skin plaster. Once it is stuck, it can't be thrown away. This was indeed over-marketing a few years ago, and the brand collapsed. Should I buy insurance after all? You should buy it, but it varies from person to person and from time to time.

why do you say that? In fact, there are generally only two questions about insurance. First, it is difficult to make claims. Second, for life insurance and annuity insurance, the income is low, and for high-income people, there are often better investment channels. The reason why the salesman is not included here is because it has nothing to do with the insurance product itself.

It is said that the probability of people suffering from major diseases in their lifetime is as high as 72.13%; The probability of accidental injury is as high as 22.24%! Only 5% people will die peacefully. If you can guarantee that you belong to this 5% people, you really don't need to buy insurance. Because you don't need insurance at all, buying insurance is a waste. If you are not in this 5%, but you are extremely rich, and you can take out a lot of money to cope with whatever happens to you, you don't need to buy insurance. Because you have the ability to resist risks, why buy insurance! ? Therefore, you can consider whether you need to buy insurance according to my analysis above. I hope you belong to people who don't need to buy insurance; I wish you a happy and safe life! Now commercial insurance in China is becoming more and more mature, because more and more people are buying and using it. Many people around me will buy one or several commercial insurances for themselves or their families as protection. Of course, some people will have the idea that if I buy insurance, it will be a loss if I don't use it. In fact, the purpose of insurance is to minimize personal losses and help you and your family tide over the difficulties in the event of unpredictable accidents. For example, many families now have cars, and everyone will buy auto insurance every year. However, in order to save one or two thousand dollars, some people only buy compulsory compulsory insurance. If there is no accident, they may think it is a waste to buy compulsory insurance, but once a serious accident happens, he and his family will definitely be destroyed to pieces.

whether to buy or not depends entirely on personal strength. Insurance is a good thing, but the insurance business in our country is not very sound, and the quality and ability of personnel engaged in insurance business are not high. My friend used to do after-sales work in an insurance company, and also had the business of placing orders. To put it bluntly, the insurance company recruited you, a simple training, and you didn't have any basic salary at the beginning! When you come back, you will mobilize your relatives and friends around you to buy insurance, and you will get benefits from it. If you have no resources to develop around you, you will automatically drop the code and be cleared by the insurance company! It's as simple as that. Of course, there are some who do better, but they are often examples!

is the insurance value worth buying? Should I buy insurance? This problem is to further open up the financial industry. China customers will have more insurance companies to serve you, which is good for customers and a pressure on domestic insurance companies.

the State Council's eleven policies and measures to further open the financial industry to the outside world:

1. When foreign-funded institutions are allowed to conduct credit rating business in China, they can rate all kinds of bonds in the inter-bank bond market and the exchange bond market;

2. Encourage overseas financial institutions to participate in the establishment and investment of financial subsidiaries of commercial banks;

3. Overseas asset management institutions are allowed to establish foreign-controlled wealth management companies through joint ventures with subsidiaries of Chinese banks or insurance companies;

4. Allow overseas financial institutions to invest in and participate in pension management companies;

5. Support foreign capital to establish or participate in money brokerage companies;

6. The transition period from 51% to 1% for the limit of foreign shares in life insurance is advanced from 221 to 22;

7. Cancel the stipulation that domestic insurance companies should hold no less than 75% of the shares of insurance asset management companies, and allow foreign investors to hold more than 25% of the shares;

8, relax the access conditions of foreign-funded insurance companies and cancel the requirement of 3 years of operation;

9. Advance to 22 the time when the restriction on the ratio of foreign shares of securities companies, fund management companies and futures companies was cancelled in 221;

1. Allow foreign-funded institutions to obtain Class A underwriting license in the inter-bank bond market;

11. Further facilitate foreign institutional investors to invest in the inter-bank bond market.

The entry of foreign insurance companies into the China market will form a competitive situation in the industry; Customers will have more insurance options, and the insurance rate will drop. Although the per capita life insurance expenditure in the United States is 15 times that in China, individuals do not have to care about this data, just choose to buy according to their own needs.

On the evening of November 14th, Allianz Group announced that China Banking and Insurance Regulatory Commission, China had approved the opening of Allianz (China) Insurance Holdings Co., Ltd., and announced the relevant qualification approval of the company's chairman and senior management.

Insurance is the compensation for probable risks, so that the parties can tide over the difficulties; This is what everyone may need. Life will not always be sunny, but it may rain sometimes, when an insurance umbrella will help you.

is it worth it? Many times, interest issues such as income are being discussed. And insurance can't be discussed with value, because the essence of insurance is protection, which is used to transfer risks and solve problems such as medical expenses or income loss.

For example, a family's economic pillar, with an annual income of 3, yuan, is the main source of family income and the support of family life. If you buy a critical illness insurance with an annual income of nearly 7 times of 2 million, pay 2, yuan a year, and pay the first premium, after the waiting period, except for "thyroid cancer", the insurance company will pay 2 million according to the insurance liability. In the face of such a situation, onlookers will generally say that this is too valuable. If you pay 2, yuan, you will lose 2 million yuan, and the general thyroid cancer is relatively easy to treat, with low cost and low recurrence rate. Some people may even say that this family became rich because of illness, and they can use the money they have not spent on medical treatment to buy a car and a house, travel around the world and improve their quality of life ... < P > But is it worth it for this family and this person who has received 2 million claims? Obtaining insurance claims has really solved the problem of medical expenses. If the money is not spent on treatment, it can be used to do other things. You don't have to worry about medical expenses. You are really glad for the original insurance decision, and you will feel that the insurance is very good, but you won't feel that the insurance is very valuable. Why?

the first reason: the conditions for getting this claim are related to suffering from a serious illness, which is an undesirable result for everyone. Everyone is different from the bottom of his heart. There is a saying like this: don't be sick if you have anything, and don't be short of money if you have nothing. It is this kind of psychological appeal that reflects.

the second reason: after receiving the claim for serious illness, it shows that the body is no longer the standard body suitable for health insurance, and basically has lost the opportunity to apply for health insurance again. No matter how much you agree with health insurance, how much you want to take out health insurance and how much you are willing to pay, the possibility of taking out health insurance is very small, even if you can take out insurance, there will be some responsibilities except; In a more serious situation, there is no chance to even apply for financial insurance.

in both cases, is the insurance worth it to the family and the person?

Therefore, insurance is not a question of value, but needs unnecessary consideration.

when we choose insurance, we should not consider whether it is worth it, but whether it is necessary or not. Buy if you need it, and buy an insurance plan that suits your needs.

If you consider whether the insurance value is worth it, you may fall into the difficulty of choosing an insurance plan. Compared with all plans, you feel that no plan is the most valuable. The final result is: either choose a plan with a lower price, but it is not necessarily suitable; Either it is entangled and delayed, delaying the choice of insurance, and the protection has not been established, and the loss is still its own interests.

when considering the service cost, you can consider whether it is worth it, so that "worth it" can be placed on the choice of insurance companies, agents and products. For example, if you choose an insurance company, you can examine the operating conditions and operating advantages of this company. Is it trustworthy? Is the service quality and professionalism of the agent not trustworthy? Does the product match your own needs? Is this planned value not worth choosing?

Finally, we have chosen a trustworthy insurance company and a trustworthy agent. The most important thing is to match our own needs again when choosing an insurance plan. Some insurance needs can't be clearly realized by yourself. It is necessary to analyze them through professional insurance demand analysis tools, find potential risk problems through analysis, and solve these problems, which is the most real demand for insurance tools.

I've handled several claims, and I've seen my friend need to raise money when he is ill.

Insurance is a moat of a family, which plays a role in the most critical moment;

don't think that there are so many people who don't pay claims. There are many reasons for not paying claims, but most of them pay claims. The insurance company's claim rate is 98%.

Therefore, buying insurance is a precaution against family risks.

However, you should also configure the insurance, and configure the insurance that suits you, so that it can be guaranteed and play a role.

personally, I think insurance is worth buying, and the poorer people are, the more they should buy it.

first, the rich have more choices than the "poor".

In fact, we ordinary people don't have much choice when facing major challenges. For example, if you have a serious illness, then for ordinary people, what are you thinking about? Is it cure or not? If you have money? What about the rich? What he thinks is: where is the medical technology advanced? Where can I find a doctor who is authoritative about the disease?

why the difference is so great is that money gives the rich a choice. Therefore, many people get sick and don't seek medical treatment, so they get medical treatment instead of treatment. Although modern medical technology has developed by leaps and bounds, it is not an opportunity for the "poor", but an opportunity for the rich. This is the problem that is solved by insurance. Precautions in the early stage can give you a chance to survive in case it is not worth it. Second, when you ask if it is worth it, you should first ask me if I need it. 1. Go back to the above and ask yourself, I am. If you are the latter, then you should consider whether it is worth it. If you are the former, you should buy it in order to give yourself a chance in the future.

2. Life is not short, and many times we need to plan ahead. Therefore, when everyone makes money, they will want to manage their finances rationally. However, the action of financial management mostly works in the next few years. Only insurance will be used in your future for a long, long time. Even if we live well and earn a lot at present, we are not sure if there will be any major changes in the future that will change my life track. Therefore, in the case that your financial ability is still sufficient, you will need to avoid debts, avoid taxes and be specific if you want to insure yourself in the future. And his wealth management products are not available.

depending on the type of insurance, for example, insurance against flooding and fire at home, it will only be covered for more than 1 years. If the roof of the house is flooded by the geothermal leakage of the neighbors upstairs, it will be paid happily.

Of course, it is worth buying. Rich people buy insurance and poor people buy it to transfer risks, so as to avoid making things worse.

It is worth configuring

Insurance is purchased to reduce the impact of unexpected events on the financial situation of the insured, and to provide financial compensation for the beneficiaries and reduce the burden.

first of all, what is the purpose of your insurance? In order to protect, in case of situation, there are insurance companies to share; Or do you want to receive insurance dividends and wait for the proceeds? The former, such as critical illness insurance, medical insurance, etc., is very important to us. In case of a car accident or major illness, it will not be hollowed out and drag down the whole family. The latter, depending on the situation, is unnecessary for me.

Secondly, do you know that some insurance is compulsory? For example, auto insurance, if you don't buy it, you can't go on the road without annual inspection! Do you know the classification of insurance? Auto insurance, health insurance, life insurance, accident insurance, property insurance, financial insurance, etc., really need to be discussed separately.

Finally, we know that insurance for the elderly is usually more expensive, just because the risks of the elderly are really high. Insurance is all about probability and risk. There are really many insurance doorways. You have to consider whether it is short-term insurance or long-term insurance.