I am an actuary, not an insurance salesman. What I want to say is the principle. If you analyze insurance and other financial products logically, you will find that this question is very ridiculous.

Everyone knows that losing money can avoid disaster. If a well-known Wong Tai Sin asks you for ten dollars to keep you safe for a year, you must think it is worth it, right? The blind man next door touched the bones and appeared on the cultural treasure hunt column of the city TV station. He gave you a service and told you that posting it on your home can get rid of bad luck. You will be charged 20, can you accept it? You went to Mount Wutai to ask for a signature to fulfill your wish, and you were given a few hundred yuan, right? As for how Ping An Insurance is, I just compiled relevant content, I hope it will be helpful to you: How is Ping An Insurance? Ranking list of the top ten Ping An insurance products!

You emphasized that in a society like ours, in this society, does a well-known superstitious liar or a group of liars really have more credibility than an insurance company? If anyone's answer is yes, then they have caught an angry young man.

Without any nonsense, let’s briefly talk about the concept of financial management. As a responsible person, when you are not alone, or when you know that your birth, old age, illness and death will cause harm or impact to others, the least you need to do is to keep those who care about you and the people you care about financially. without loss.

So the most reasonable investment method should be insurance first, then deposits, then stocks, then venture capital - but now people are skipping insurance everywhere. Is it because of culture, I feel afraid of whatever comes next; or is it a distrust of insurance, I'm not sure. I can only say that the reform of insurance is inevitable. European and American insurance have experienced similar changes, from emphasizing sales to emphasizing after-sales to emphasizing customer service.

Let me make some comparisons below: Insurance and banks are both regulated by the government. Why do you think you want to trust banks but not insurance? Securities and insurance are both government-regulated. Why do you think you believe in securities but not insurance? Property and insurance. . . . .

These three are basically the three major trends in domestic investment, right? Let me tell you, whether bank investment is fixed term or demand deposit, it is impossible to add holes when there is a serious illness, and it cannot solve this part of the risk at all. If you don't buy insurance, you are walking blindly at night and trying your luck. Securities are currently in the development stage, and many have not yet been standardized. Coupled with the country's proactive economic adjustments, the risks are quite high. I don’t understand the real estate market. From the perspective of a resident foreigner, domestic real estate is an imbalance in the rental-to-sale ratio due to cultural needs. Under a normal economic model, this is a bubble, but after all, there is such a culture in China, and I can do it too. Understand that what people buy is peace of mind.

After comparing, do you still think insurance is not necessary? Still think the insurance risk is high?

What is the mentality of people who do not have insurance? Insurance is useless, and they won’t accompany you if something goes wrong - this is a regulatory issue and a quality issue of sellers. If you say it is a matter of national conditions, I can believe it, but this is also a requirement for the quality of those who buy insurance. The worst thing about insurance is that it’s a contract. If you can’t even understand the contract, do you blame others for lying to you? Moreover, I need to emphasize that the pace of domestic insurance reform has taken effect, and insurance will only get better and better in the future. Because of the existence of 1, many people feel that there are more people buying insurance around and less benefits are obtained - this is a particularly reverse psychology that I cannot understand at all. Insurance is designed to cover events that are of low probability and cannot be afforded by individuals. If the probability of occurrence is high, you cannot afford it. If you go out, you will be hit by a car and no one will dare to insure you against accidents. This is the reason. The mentality of taking a chance, thinking that nothing will happen, and would rather have more money in your pocket - this kind of mentality is pure irresponsibility, or low education. It is true that because the probability of insurance incidents is low, many people may be fine throughout their lives, but the problem is this, when something goes wrong, who will be responsible and who will regret it? These things are psychologically taboo. If you don’t want to see or hear them - you have nothing to do with your feudal superstitions. It’s the 21st century and it’s been so many years since liberation. If there are still people who would rather worship Buddha than invest in themselves, what can I say

Analysis of insurance from an investor's perspective

If the best fund manager in the UK writes an investment article, everyone will read it, right? But I want to say, do you know what is most emphasized in Western investment now? Risk control, by implication, means ‘minimum awareness’.

When I buy a company’s stock, I will earn as much as the stock rises. However, if the stock falls below 5 yuan, I will lose all my assets and lose everything. Then the easiest thing for me is to buy stock futures. 5 Block guarantee. When this awareness is implemented personally, it is insurance.

This part of the content has basically become the basic requirements of foreign government regulatory agencies for the banking and insurance industries - don’t just look at income, don’t just look at investment structure, but also analyze cash flow and debt during economic downturns and depressions situation, make targeted risk control investments to ensure the stability of large companies and the entire industry.

This investment concept that has become like a bible is almost being said to be a money scam when it comes to personal finance.

I would also like to emphasize that you still need to be cautious about insurance and financial management. What I am talking about here are basic insurance products.

Why buy insurance? Why do many diseases not break out for a long time? Why do you still get vaccinated? Why does it not rain when you go out? Why do you still bring an umbrella? Why do you always have a few change in your pocket? Why is it not cold outside? Why do you bring a coat? You are doing well in studies, why do you still sign up for tutoring classes? Why is public security good, but you still don’t want to walk at night? Why do you have good blood pressure and eat less meat every day?

Buying insurance is not for yourself, but to give others peace of mind. In a mature society, buying insurance should be necessary for a person who has a basic concept of personal investment.

Finally, let me introduce my insurance - income insurance: If you are seriously ill and cannot work, you will receive 90% of your salary for three months and 50% for three months. After that, you need a doctor’s diagnosis every year, 70% Until retirement. Death on the job: 8 times annual salary directly join Heritage UK for free medical care. I have additional personal medical insurance for private ambulances, private specialist clinics, private hospital surgeries, etc.

Many of these five insurances and one housing fund are already covered It’s included, but I don’t know how much it includes. But in terms of medical care, I feel that if you don’t have critical illness insurance and rely only on public medical care, it will still be very stressful.

I do actuarial work because it is a conscientious business if done well. It uses simple mathematical theory to allow everyone to spend very little money to ensure each other's safety.