Insurance is not a panacea, and insurance is also fungible. The insurance isn't the best either. Based on this understanding, this is how I arranged to buy insurance: Insurance is not a panacea. Insurance has shortcomings such as freezing funds and long-term occupation. Even if you can get a loan based on the insurance policy, it is inconvenient and uncalculated. Therefore, the proportion of insurance I buy only accounts for about 10% of my savings. Look for other real estate, gold, funds, etc. You can also look for suitable private investments. Don’t buy stocks now, it doesn’t seem to be suitable for me. Insurance is fungible, so when I have a lot of money, I may have the ability to self-insure. I can no longer buy insurance. But just because I have money, wouldn’t it be better for me to buy some insurance? Therefore, I may still need to buy insurance. For example, Li Jiacheng bought a lot of insurance. Of course they do it to avoid taxes. But those big orders in insurance companies seem to be bought by rich people, who are no stupider than us. Insurance is not the best. There is no best in the world, only better, so we must choose the right insurance. Don’t have too high requirements for insurance, thinking that insurance will solve all problems. In fact, insurance cannot solve many problems, such as things that are not covered by insurance, such as unemployment. Therefore, some people buy insurance and encounter things that cannot be compensated. , just say the insurance is a scam. Of course, scammers selling insurance cannot be ruled out. Why give money to pension insurance companies? I'll try my best to find some reasons for the people in the insurance company. Let's see if it's reasonable? 1. Saving money by yourself has the same effect as depositing money in a bank or insurance company, that is, how much money I will have when I get old. (Stocks, funds, futures, etc. have greater risks than these, let’s not talk about them for now). However, the biggest advantage of having it in your own hands or depositing it in a bank is that it is the most flexible and can be used whenever you want. One disadvantage of insurance is that you cannot misappropriate it casually. Even if your best friend or relative lends you money, you cannot move it casually because you will suffer losses. In this way, insurance has the function of forcing savings. Of course, if you have a strong saving ability, don't recognize your relatives, can't borrow from anyone, and know how to invest, you don't need to buy pension insurance, but you should still buy some protection-type insurance. 2. This is what insurance companies emphasize. In addition to the savings function, insurance also has a protection function. For example, if you want to save 100,000 yuan, save 10,000 yuan every year. Put it in a bank, or keep it in your own hands, and if something happens to you in the fifth year (accident, serious illness, or other problems disappear), then you will only have 50,000. No matter how many tens of thousands you have saved in insurance, if something goes wrong, it will cost you 100,000. (Assume your insurance limit is 10W). So, insurance provides this protection, but deposits do not. Of course, nothing will happen to the average person (otherwise insurance companies would definitely not exist). 3. So I think that if we can assume that society and the economy are relatively stable (if there is chaos, don’t do anything, depositing gold directly may be the safest), we can also believe that risks do exist, and we can also believe in insurance companies , provided that the above conditions are met. There is really no need to just put our money in banks or invest it, because the risk is too high. 4. Regarding the inflation issue of pension insurance, I later figured it out. This is not just an insurance issue. It is the same everywhere. The current situation is based on the current insurance. With inflation, it will be easier for us to make money. Add insurance. That’s it. If there is a special situation, that is, inflation, and we happen to have an accident, then it will really be a failure. 5. Therefore, insurance, like other financial management methods, is not the best and has risks. Therefore, if we have spare money, it should be: banks, funds, stocks, self-investment, insurance, gold, real estate, etc. . It’s better than just saving money. 6. If we want to resist inflation, there is only one way, which is to consume the money. Therefore, we cannot use all the money to save and invest. To buy insurance, we should consume a larger part. Otherwise, the worst thing will be If you don’t consume enough, you will suffer a big loss. It seems that insurance generally should not exceed 10% of the actual savings (don’t listen to 10% of the insurance company’s income). I’ve said a lot, do you understand? It does mean that I am speaking for the insurance company, but everyone is understanding. Take a look, of course those who can agree will agree, and those who don't agree still don't agree. I actually want to listen to the opposing opinions and reasons, and summarize them so that I can counterattack the sales tactics of insurance company agents. I plan to compile the distrustful words and reasons for insurance companies into common people's rejection of sales tactics, otherwise in the insurance industry In the market, there are only sales pitches. If no one rejects the pitches, it becomes one-sided.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance