Question 1: Does the insurance company exist? If there is ... there is significance in the current market. According to the definition of the Insurance Law, insurance in a narrow sense refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer assumes the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract. In a broad sense, insurance refers to an economic security system in which the insurer collects insurance premiums from the insured, establishes a special-purpose insurance fund, and bears the liability for compensation or payment within the scope stipulated by law or contract. No matter what kind of definition, insurance contract is essentially a gambling agreement, which is a bet on money and risk. In fact, the insurance contract can be regarded as a form of option, the premium of the insured is equivalent to the option fee, and the subject matter of the contract is the corresponding property value or the health status of the insured. Some people may think that the target of options is cash or equivalent (such as stock price, futures price, etc.), which is different from health status and life length. However, by means of actuarial science, insurance companies just convert these things that are not easy to be valued into values that can be measured in cash. Because the current market still lacks effective valuation for common insurance objects, insurance companies can provide such services, especially in life insurance. This is an important factor that distinguishes insurance companies from other institutions, and it is also the basis that insurance contracts are more expensive than option contracts. In fact, there is no clear dividing line between reinsurance business of insurance companies and asset securitization business of investment banks. This means that insurance companies can be "investment banks" and investment banks can also be "insurance companies". The gradual maturity of the market will eventually eliminate the barriers of existing insurance business, and insurance will no longer be the patent of insurance companies. However, this does not mean that insurance companies will inevitably die out. Insurance companies can reduce the substitutability of their own business by providing highly personalized and high-quality insurance services. As long as the market cannot copy its insurance products and services, insurance companies can still obtain excess returns. To sum up, as long as the insurance demand is still there, insurance companies will be there, although the insurance industry and insurance model may be constantly changing. Non-insurance professional point of view, nonsense, please all kinds of prawns to shoot more bricks

Question 2: What is the meaning and function of insurance? Significance and function of insurance 1

Insurance is:

※ Use everyone's strength to prevent life risks at the least cost

※ Semi-forced savings and guarantee the best long-term interest rate

※ Help us shoulder the burden of family and children with negligible investment

※ Ensure future retirement, Medical expenses

※ The cash value of the policy can be flexibly loaned or taken out

※ Tax can be saved and the complete transfer of assets to the next generation can be ensured

※ The protection of personal dignity at the end of life

There is no better system to replace it for more than 2 years! We can't replace it ourselves!

what's the use of insurance? (Risk and Insurance)

Insurance is not to ensure that risks do not occur, but to get help and support when risks occur.

With the social progress and economic development, people's ability to resist risks has been greatly improved. The basic principle of insurance is to accumulate the financial resources of thousands of people in Qian Qian, and form a large collective to resist and defuse risks. In this large collective, everyone is a payer but also a beneficiary. It is the basic function of insurance to get timely assistance in the event of an accident through paying.

Insurance is like a parachute on an airplane. Although it may not be useful, this guarantee is real.

what is life insurance?

first, mutual help: people who have donated blood must know that after a certain number of times, they can exchange blood for emergency use, even for family needs. At ordinary times, we donate 25CC of blood, which will not cause physical problems, but it can save us from bloodless panic. Donating blood is to save people as well as ourselves.

second, make preparations in advance, and plan ahead: when summer is coming, that is, when typhoons are prevalent, make more preparations and less losses. Children should be vaccinated against smallpox and cholera, which is also to prevent infection. It is better to make preparations in advance than to regret afterwards.

third, be safe: everyone may have made a lot of preparations, but one more defensive measure, such as the safety door on the car, the lifeboat on the ship, the fire lane and the fire extinguisher in the building, would rather be prepared than used temporarily, which gives people a feeling of being safe.

fourth, protection: although driving is protected by the car shell, you still need a seat belt; Wear a helmet when riding a motorcycle, and workers should wear gloves to protect their hands from injury; Athletes wear knee pads to protect their knees. These are all protections.

the difference between insurance and savings

savings:

1. savings is a way to accumulate funds step by step, and it takes a specified time to reach the target amount.

2. If you don't save enough money, it will be a drop in the bucket and you will be in a hurry even when an accident happens.

3. interest can be calculated from savings, but risk can't be calculated.

4. The Law of the People's Republic of China on Commercial Banks stipulates that commercial banks can go bankrupt, and once a bank goes bankrupt, it may lose all its money.

5. The interest rate of savings is variable, as evidenced by the successive downward adjustment of bank interest rates from 1996 to 1998.

6. Saving is just saving.

Insurance:

1. Insurance is to take the elevator, and its characteristic is that you can get the agreed amount of protection at the same time.

2. In case of unintentional accidents, the insurance premium will be tens or even hundreds of times higher than the premium, which can be described as "four or two thousand dollars".

3. Insurance is to calculate the huge cost of risk and provide it to you in time.

4. The Insurance Law of the People's Republic of China stipulates that an insurance company engaged in life insurance business shall not be dissolved, and the premium shall be paid as scheduled.

5. The insurance coverage will not change due to external factors.

6. Insurance is a kind of savings with both value preservation and insurance function, and it will be by your side when you need it.

Insurance is the driving force of life.

Life is actually pulling a cart up a slope. The older you get, the heavier the weight of the family car will be. If you are not careful, the rope for pulling a cart will be broken, and the family will be greatly shaken, or even decline rapidly.

If you pay a little money in advance to help you push the cart, he can lend a strong hand to help you tide over the difficulties when the car falls, and the money will only be given to him temporarily. At the appointed time, if you don't need him to push the cart, he will return all the money, plus the interest is not lower than that of the bank. This good man is called insurance.

advancing, attacking, retreating and defending

The Australian fire caused by El Ni? o and the harm of the Asian financial turmoil to the Asian economy all give people a warning that risks are everywhere, from countries to individuals. With insurance, we will:

advance and attack-invest with confidence and do a vigorous career.

retreat and defend-even if the family economy enters a "dark period" in the face of risks, it can be helped by ... > >

question 3: the meaning and understanding of life insurance. for human beings, life insurance is the responsibility that everyone should do to himself and his family and a means to pay the necessary expenses in life. First, life insurance is doing its duty (a person's duty to himself and his family). Everyone does not come out of thin air. The simplest thing is that we are descended from the previous generation. We were born with parents and grandparents, and we will eventually have wives and grandchildren in the future. People live in this kind of family relationship cycle in just a few decades. We came involuntarily, and finally we went involuntarily. When we came naked, we had nothing, and when we went, a wisp of smoke finally vanished. In that case, all that remains when we are alive is that responsibility. We were conceived when our parents were most loving ―― the crystallization of love. Because of this innate love, the responsibility of human beings is passed down from generation to generation, and it is with life. When we were babies, we involuntarily accepted the responsibilities of our parents and elders, but in fact, we also irrevocably shouldered their responsibilities. This kind of responsibility is born, and it will remain in the world after death. It can't be escaped or abandoned. From generation to generation, from generation to generation until eternity. So what is this responsibility of human beings? To myself, to my parents, to my wife and children, to my friends and to society. To yourself-many people think that people are not responsible for themselves, which is wrong. Among all human responsibilities, the responsibility to oneself is the heaviest. Chapter 13 of Laozi's Tao Te Ching says, "You should be the world, if you can send it to the world, love it as the world, if you can support it." It means: only those who regard the world as lighter than themselves can assume the responsibility of the world, and only those who love themselves more than themselves can entrust the world to him! Don't misunderstand that "valuing yourself more than the world and loving yourself more than the world" is not the argument that teaches Lao Tzu that the world is the best. Instead, it means: cherish yourself, love yourself, and don't let things outside the world infect and corrode yourself. Only in this way can we work for the whole world. Among all one's responsibilities, one's responsibility to oneself is the first and foremost. No one who is not responsible for himself will be responsible for others and the world. Do your duty for yourself and think about your daily life. Have you arranged and predicted everything? It is really small and fragile for people to sink into the world of mortals. We have too much fear. We are afraid of: 1. No one to take care of us when we are sick; 2. No help when we are poor; 3. No help when we are unemployed; 4. No friends to accompany us when we are lonely; 5. Afraid of being unable to take care of our family; 6. Afraid of losing our dignity; 7. Afraid of being left unattended when we are old. You have so many fears, but most of the time, you still wear a mask and laugh about life to tell others that you are a strong person in life. I know that in fact, like all people, you are eager for many beautiful things. You want to: 1. Live a happy and stable life; 2. Be respected and loved by friends and family members; 3. Be able to take care of your family; 4. Have a healthy life; 6. Have a sense of security in property; 7. Be carefree in your old age. Doing your duty to yourself is to ensure that you can cope with all kinds of crises and risks in your life at any time and under any circumstances, so that we can have the opportunity to perform other tasks. For parents-no one can escape this responsibility, nor should they or should they not. The responsibility our parents give us comes with our birth, with love and with hope. We are undoubtedly responsible for our parents who have worked hard and selflessly to raise us. This responsibility is: 1. Support your parents; 2. Keep your parents from being humiliated; 3. Make your parents enjoy a good name. Can you do it for your parents forever in this life? Don't answer, but think and do. To his wife and children ―― first of all, to his wife. You and she were strangers. A trace of so-called fate makes you have her. You turned her from an ignorant girl into a woman and a mother. Let her take another responsibility with you. Don't you think you have a responsibility to her? This responsibility is: protect her, love her, grow old with her, take care of her in your lifetime and don't let her suffer. No matter how rich or poor, they will never change their minds and always take care of each other until the end of their lives. You can know that your responsibility to your wife is the oath you made by touching the Bible at the wedding: this responsibility cannot be evaded, nor can it be evaded. The only alternative is how to fulfill your vows and fulfill this responsibility. Right ... > >

question 4: the meaning and function of insurance

buying insurance is not spending money, but moving money from your left pocket to your right pocket. Buying insurance is not to make money, but it is the best way to reduce accidents and disease losses and pass on risks. Insurance premium is the epitome of living expenses, and cheap insurance premium represents poor life. Would you like to discount your living standard in the future? So what is expensive is living expenses, not insurance.

It is the traditional idea of providing for the elderly in China, but the times have changed. 1. When children grow up, of course, they will be filial and take care of their parents as their own responsibility, but in modern society, competition is fierce and stability is not easy. Should we also plan for them? 2. At present, housing prices are high, and people are already struggling to repay loans and living expenses. Why bother to increase the burden on the next generation? 3. People must live with dignity when they are old. Insurance can at least guarantee us a fund. Paying insurance premiums is like paying child support. When children grow up, they may not guarantee that everyone can give back, but the insurance premiums will definitely be recovered. Isn't this investment worth it?

the basic function of insurance The basic function of insurance is the original and inherent function of insurance. There are two main views on the basic function of insurance. One view holds that the basic function of insurance is to share losses and compensate losses or pay insurance benefits; Another view holds that the basic functions of insurance are economic compensation and insurance payment. This course holds the latter view.

the function of economic compensation is to compensate the insured subject matter according to the actual loss amount according to the insurance contract after the insurance accident and losses are caused, which is the basic function of property insurance;

the function of insurance payment is that both parties pay according to the insurance amount agreed in the insurance contract when an insurance accident occurs, which is the function of life insurance.

? Why does life insurance use payment instead of compensation?

A. People's physical life can't be valued by money

B. Some types of life insurance have the saving nature of return

Question 5: Does the insurance company have the meaning of existence? If yes/no, why? If you want to explain the meaning of insurance in one sentence, it is to share the risks equally. Here, it is not perfect to use options to explain insurance. The original intention of options is to hedge risks. Some people are willing to spend money to avoid risks, but others are willing to exchange risks for money. At the same time, there are speculators, but this is about the inconsistent judgments of both parties on future expectations or the inconsistent judgments on probability benefits. However, insurance was originally established for risk sharing, and every policyholder is a relative risk-averse, which is consistent with the buyer of some options. However, it is impossible for the policyholder to make money, while the holder of options can make money without a bottom line. The purpose of the policyholder is to resolve or reduce risks, so the essential difference between insurance and other financial products is that the policyholder cannot make profits. On the other hand, the emergence of insurance companies is also very interesting. For example, suppose there are 1, people in our village. We know that on average, one person will suffer from a certain disease every year and have to spend 2, yuan for treatment. As an ordinary villager, this expense can be said to be unbearable, but they have come up with a way to pay 22 yuan per person every year, so that the money paid will be given to the unfortunate sick person for treatment free, and the villagers will no longer be afraid.