As social people, they can't fully and effectively integrate and utilize the social division of labor resources created by human beings, improve their quality of life and work efficiency, and will obviously become laggards in modern society. People who hold this idea may have a deeper reason in their hearts, that is, they are not at ease with insurance companies, so they have the idea of "fending for themselves". The other party must have dealt with the bank long ago, because the old concept told him that the bank is owned by the state, and the state will not deceive people and can deposit money in the bank. There is also a key issue, I am very familiar with the simple operation of bank deposits. Insurance, not only the terms are difficult to understand, but also the salesman standing in front of him makes him feel drumming. How many years after the policy is promised, the liability for compensation and liability settlement will make him more suspicious. These problems are very painful to think of, so I simply decided to refuse insurance and take risks to keep or deal with them myself. Therefore, when introducing insurance, how to be concise, vivid and sincere is very critical. Salesman: Mr. Wang, you said that you should use your own strength to solve the possible risk problems. Is that so? Mr. Wang: Yes. Isn't it always like this? Salesman: I heard from my dad that before there was no insurance, anyone who had patients had to rely on subsidies or relief from the unit or borrow money from relatives and friends. A colleague in the office spontaneously set up a mutual fund, and deducted five dollars and ten dollars from everyone's salary every month to help unlucky families solve their urgent needs at critical moments. Is that so? Wang: Something like that. Salesman: Actually, the form of mutual fund is a primitive insurance prototype. At that time, there was no insurance, so we could only scrape through the difficulties through unit relief or private loan. It is often difficult to have such economic ability to solve the problem of risk loss by yourself. For example, my uncle's child is seriously ill and there is no money at home. My uncle came to my house to borrow money, and my father read brotherhood and lent all his savings to my uncle. For this reason, my mother was unhappy and said that if anything happened to her family, how could she support her? I mentioned this to my brother that day, and my brother reacted quickly. He immediately promised to buy insurance, saying that brothers and sisters will be brothers and sisters in the future, and try not to find financial trouble for each other, which may hurt feelings. Mr. Wang, do you think what my brother said is reasonable? Mr. Wang: That's right. It is not easy for anyone to save some money. If you have no conscience, you won't feel better if you borrow it. Shop assistant: That's right. In fact, it is quite shameful to open your mouth to borrow money from others. You said you didn't need insurance. I know you didn't mean it, mainly because you don't know much about insurance. Let me ask you a question. Do depositors need banks more or do people who want to borrow money need banks more? Mr. Wang: People who want to borrow money, of course. I need money to start a business, that is, start-up funds from bank loans. Shop assistant: think about it. Can you lend money if there are not thousands of depositors, including you, who keep their money in the bank? In fact, the operation mode of insurance is similar to that of banks. Thousands of people buy insurance policies and deposit insurance premiums in insurance companies, which is equivalent to bank deposits. Which insurance customer (depositor) will be paid by the insurance company from the insurance funds when the risks listed in the insurance list occur. Think about it, there are only a few people in an office. How many problems can mutual funds solve? Insurance companies will mobilize hundreds of thousands and millions of customers to help each other, which would be great. Such a good system does not need to solve the risk problem by itself. Which do you think is more profitable? Mr. Wang: OK, OK ... Salesperson: As the saying goes, when faced with important issues, not making a choice is also a choice. On the surface, it seems that you didn't buy insurance, and it seems that you saved a little premium for insurance. In fact, if you think about it carefully, you have actually saved yourself an unknown risk that may occur in the future by saving a little insurance premium. I don't know when this risk will come and how much economic loss it will cause you. I don't know how much your assets need, so be prepared to convert them into cash at any time to cope with the sudden arrival of risks. Mr. Wang, do you think it is safe to do business and live in this unguarded state? Or manage the risks in advance through insurance, and then do your own business wholeheartedly? Mr. Wang: Of course, we should prepare in advance. Salesman: Everything we do, we pay attention to leverage. Traffic solves the problem of speed, crane solves the problem of heavy load handling, telephone solves the problem of communication, hospital solves the problem of seeing a doctor, restaurant solves the problem of food and accommodation, bank solves the problem of deposit and loan, stock futures and securities solve the problem of investment, and insurance solves the problem of risk. You have recognized other tools and used them a long time ago. How can you just abandon insurance? Has insurance ever offended you? Mr. Wang: No, no. You're right. I really want to consider buying insurance.