The poor buy insurance, which is lifesaving money ； Ordinary people buy insurance, which is the money for security; The middle class buys insurance, which is the money for investment and financing; The rich buy insurance, which is tax saving money. So we should learn: take an umbrella when sunny, take food when hungry. Notice that there is an arrangement called preparing for a rainy day. Advance can be attacked and retreat can be defended life Realm.
1. Insurance is wisdom Symbol of
"The poor buy lottery tickets, and the rich buy insurance", a well-known catchphrase tells the financial quotient between the poor and the rich. Poor people want to change too much fate I always think of "just in case" instead of "ten thousand"; The rich avoid extremely uncertain risks through insurance protection, and then actively invest and start businesses.
2. Insurance is the capital of identity
People with insurance are always more valued than those without insurance. Because once it needs to be changed due to accident life When it comes to insurance, it brings you identity and dignity, and more choices and initiatives. Therefore, owning insurance is for every one of us ability And status promotion.
3. Insurance is a long-term passbook
Although many people reserve a part of their savings, life is long, and when it comes to emergencies, the money is a drop in the bucket. An insurance policy is a bank passbook that will grow up. It will "save" all the money saved at ordinary times. It will be put into every bit at ordinary times. When it is really needed, the money in the account will be 5 times, 10 times, or even more.
4. Insurance is a barrier for families
The biggest meaning of insurance is protection. When there are uncontrollable risks in the life of oneself and the family, insurance is a barrier to ensure that the quality of life of the family will not be changed. Especially for DINK families, their economic security needs to be accumulated by themselves, and their future quality of life needs to be maintained by themselves. However, external diseases and unexpected risks are likely to interrupt all accumulation and erode the original assets. Therefore, insurance, the last barrier of family economy, must not be ignored.
5. Insurance can avoid risks
The World Health Organization survey shows that the survival rate of various major diseases is 60% for men and 70% for women, and only 20% of patients can survive for more than 10 years. The comprehensive treatment combined with surgery, radiotherapy, immunotherapy, etc. needs to pay high medical and hospitalization costs, ranging from 100000 yuan to hundreds of thousands. In addition, "poverty due to illness" is not uncommon. In order to avoid these risks, insurance is essential.
6. Insurance can reasonably avoid taxes
Tax avoidance by insurance has two aspects: one is tax avoidance immediately, and the other is tax avoidance by inheritance. Since 1999, China has levied 20% interest tax, while insurance beneficiary No tax is required when obtaining insurance benefits. Many rich people abroad have purchased high insurance to avoid interest tax and inheritance tax due to the retention of large amounts of funds and property. Some rich people in China have also begun to purchase "rich people's insurance" to reasonably avoid inheritance tax.
7. Insurance can be inherited wealth
For the wealth accumulated through hard work, although everyone tends to pass it on to their children, no one wants their children to become "parasites" who only seek pleasure. By purchasing insurance, assets can be paid to the next generation in the form of annuity, so that we don't have to worry about wasting all our assets in a short time, and we can cultivate the ability of the "second generation rich" to live independently, while ensuring their quality of life.
8. Insurance helps you reduce your burden
The survey shows that in the future, if the next generation of only children is still only children, the third generation of young couples may have to support 12 elderly people. Now, the post-80s and post-90s generation are in their marriageable age. Women need to spend money to get pregnant, to give birth, and to pay for their babies when they are sick... In the face of the old and the young, this generation is still on the "uphill road". The "downhill road" is in sight, and it will be too late to buy insurance.
9. Insurance helps you take responsibility
The mother is suffering from the pain of "having a baby in October, giving birth soon", and the father is bearing the burden of raising children, so you can healthy To live is to be right parent infinite Gratitude 。 Therefore, buying insurance is not only responsible for your own life, but also for your family. In case of an accident or unfortunate departure, the continued economy can continue to care for the people we love.
10. Insurance delivers care
Insurance is not a small insurance policy, but a transmission of love and responsibility. The beneficiary of death insurance benefits cannot be the insured person, but the person he loves. Signing an insurance policy is actually signing a legally protected love contract 。 It can filial piety parents, so that long-term security accompany happiness in old age; Cherish your wife and daughter, and give them a happy life with eternal care; Be able to care for friends and let sincere friendship always accompany you.
11. Insurance helps you plan your life
Life is like pulling a car up a slope. The older you are, the heavier the weight of the family car will be. In case of a slip in the middle, the car may be destroyed and people may die. Therefore, in the face of different risks and different needs at different stages of life, we should make insurance plans in advance. Insurance can not only meet the different needs of different stages of life, but also enable you to climb up steadily at every step and have a new height.
12. Insurance will show personal connotation
Relying on the accumulation of individuals and families, it is natural to compensate for the losses caused by accidents and show love for families. However, if an accident or financial difficulty occurs when sufficient funds have not been accumulated, personal and family finances will be in crisis. If this person has foresight and has already bought a high security insurance, then he must have a high financial quotient money A caring and responsible person.
13. Insurance will fulfill the promise of love
Once there was a sincere love in front of you, and you vowed to take care of her all her life. But if you die before her, how can you love her for ten thousand years? The cost of daily life, the children's expensive education expenses, and the elderly parents' pension pressure forced her to face, which is the relentless reality of life. If we buy enough insurance for ourselves, lovers, children and parents in advance, you can swear loudly: "I can take care of you and your family whether I am here or not!"
last Brother Yunyang Taoge I want to say that there is no real insurance industry expert Only those who are proficient in a certain field Old driver 。 Insurance is more sold by experience, and specialty is only an auxiliary tool! So finding an old insurance driver is more reliable than finding a so-called expert. A lot of experience is gained through practice or lessons, no one can teach and no place to learn! The older the insurance drivers are, the more timid and cautious they are. Because the more you experience, the easier it is to know the complexity of insurance. Insurance is not recommended when a product seems cheap. It's also common accident insurance It's also very complicated, let alone popular today Million medical insurance 。 Most people Medical insurance Accident insurance is sold as cabbage, so Brother Yunyang Taoge suggests being cautious in everything. Welcome to add Brother Yunyang WeChat 381249336 (QQ with the same number) learn and exchange together Insurance knowledge And share Insurance matching skills.
