There are many ways for the court to invest in financial management, such as savings, insurance, stocks, bonds, futures, real estate, gold, antiques and stamps. But the first task of financial management is to find ways to protect yourself and your family in case your income suddenly decreases. To this end, you must first buy suitable life insurance and disability insurance for yourself and your family. Otherwise, even the best financial planning will fall short. It may even put you and your family in a dilemma of living on welfare. The proportion of insurance investment in family investment activities may not be the largest, but it is the most basic and necessary. The advantages of insurance financing are mainly reflected in the following 1. The patron saint of personal financial security. Why is your life comfortable and happy? The root cause is that your income is enough to cover all expenses. Once your income suddenly stops, your family's living standard will drop rapidly, even to the point of poverty. The simplest, quickest and cheapest way to ensure family economic security is to buy life insurance. 2. The return on investment is rich, and Ping An Insurance has many financial benefits (reproduced from/u/1242815812) 2007-06-11:2/kloc. Savings, insurance, stocks, bonds, futures, real estate, gold, antiques, stamps, etc. But the first task of financial management is to find ways to protect yourself and your family in case your income suddenly decreases. To this end, you must first buy suitable life insurance and disability insurance for yourself and your family. Otherwise, even the best financial planning will fall short. It may even put you and your family in a dilemma of living on welfare. The proportion of insurance investment in family investment activities may not be the largest, but it is the most basic and necessary. The advantages of insurance financing are mainly reflected in the following 1. The patron saint of personal financial security. Why is your life comfortable and happy? The root cause is that your income is enough to cover all expenses. Once your income suddenly stops, your family's living standard will drop rapidly, even to the point of poverty. The simplest, quickest and cheapest way to ensure family economic security is to buy life insurance. 2. Rich return on investment and safety Ordinary investment is the business of investing 100 yuan to earn 1 yuan, and insurance is investment 1 yuan to earn 100 yuan. Ordinary investment follows the law of "high returns and high risks", while life insurance investment is very safe. The state's strict supervision of insurance companies and strict monitoring of the use of insurance funds have reduced the risk of investment to a very low level. (The Insurance Law stipulates that a life insurance company may not be dissolved. When an insurance company goes bankrupt due to poor management, its policy must be transferred to other insurance companies or taken over by financial institutions designated by the state. ) 3. Tax saving and preservation of property life insurance benefits are exempt from income tax and inheritance tax. When making an estate plan, it is almost impossible to preserve your career and property without the participation of life insurance. 4. The policy will not be frozen, nor will it be claimed by the debtor. When an enterprise goes bankrupt, stocks, bonds, deposits, etc. Will be frozen, only life insurance policies will not be frozen. In addition, the creditor has no right to ask the beneficiary to repay the debt with insurance money. This is also the place where life insurance investment is very different from other investments. 5. Reflect your own value and show your economic strength. How much insurance you buy, your value is what. The higher your value, the stronger your economic strength. A boss who bought a high insurance policy said, "When you do business with others, tell him how much life insurance you have bought, which shows your financial strength and is very convincing." 6. Improve the loans of credit banks to enterprises and require enterprises to take property insurance. Similarly, for an enterprise that has purchased life insurance, his credit and the credit of the enterprise will be greatly improved. 7. The insurance premium for establishing emergency reserve life insurance has cash value. Ostensibly, it is for the insurance company. Essentially, it is "stored" in an insurance company. You can use it at any time. The funds add up. When you are in financial difficulties, you can use it to tide over the difficulties. 8. Money buys time success = capital × ability × time. With a certain amount of capital and ability, plus enough time, career success is just around the corner. But with capital and ability, no one knows how much time they have. What shall we do? Buy life insurance. Even if you don't have time, you can be guaranteed to succeed financially. 9. Guarantee the value of life Life value = your annual income × working hours. A 30-year-old man earns money until he is 60 years old, and he has life value in these 30 years. However, after he retired at the age of 60, he lost his working hours, did not create value for society, and lost his life value. He will buy the value of life before retirement and the income after retirement. Because if there is no accident, the insurance company will give back the principal and interest to the customer, which can be used to supplement the pension. The above only summarizes the benefits of life insurance from the financial and financial perspectives. In fact, there are many benefits of life insurance, such as mortgage loans, things that are easy to realize and so on. In a word, life insurance is an urgent need for cash, which has three major tasks: income protection, property protection and life value protection. When needed, its value will automatically rise to the highest point.