1、 What is the essence of insurance? It is one person who is difficult for everyone to help. The most valuable thing is that it can make this help powerful and timely, and let you have no emotional burden. Because it is not from someone's gift, but from your own decision and vision. In a sense, you helped yourself with your decision and investment many years ago or even just a few months ago or days ago.
2、 There is a car when going out get home Have room and work money Food and clothing! I believe this is the dream of many people life However, no matter how elaborate the financial plan is, it may be disrupted by unexpected accidents, such as accidents, unemployment, serious diseases, or even worse. At that time, let alone buying a house or a car, other tourism and investment will no longer exist! If you have insurance, though you can't prevent bad things from happening, you can stop the disaster in the event itself, and prevent other families and families from being affected by this.
3、 Know insurance, insurance will work for you; Do not understand insurance, you work for the hospital! Now there is no insurance, called streaking; There is no insurance in the future, which is a burden for the family! Many people would think that buying insurance is just to save money in the bank for a rainy day, and then take it out for emergency, isn't it the same?
But in fact: if we need 300000 medical expenses one day in the future, there are three ways to prepare money, which one do you choose?
A. One time deposit of 300000 cash in the bank to prepare healthy Fund. (Fixed deposit)
B. Every year we deposit 15000 yuan in the bank. We must insist on saving enough money for 20 years before we can get sick. (Installment deposit)
C. It is compulsory to save 10000 yuan every year for 20 years. From the first year, it can enjoy a high security of 300000 yuan until the end of life. If you get sick in the middle, you can also be exempted from paying the following fees. (Insurance deposit)
4、 Ten years ago, when I went to the hospital, I heard the first sentence was "What's wrong?" Ten years later, the first sentence was "Do you have insurance?"; Ten years ago, when two cars were involved in an accident, when the parties met, they said, "Don't you have eyes?" Ten years later, the first sentence was "Call insurance company ！”； Ten years ago, someone happened to be unlucky. The first thought was "He is really unlucky"; Ten years later, the first thought was "Did he buy insurance?" This is the reality!
Nowadays, insurance has become an indispensable part of life like air and food, because we all know that if there is no insurance, in case of accident, if the treatment fee is not enough, you have to pay for it yourself! Be sick, social security You have to pay for the part of medical fees that cannot be reported! When you are old, you have to pay for the cost of quality pension! When people leave, they have to pay for their own living expenses! More unfortunately, if there is a mortgage debt, you have to pay for it yourself!
5、 Please do not prevent your friends and relatives from buying insurance, unless you are sure you can support them when they are unlucky parent 、 wife 、 children Or help them pay off all their debts, such as housing loans and car loans.
6、 Insurance is not useless, but "temporarily useless".
1. Is it useful if I give you a pair of chopsticks now? It is useless, but it is not really useless, but it is temporarily useless. When you eat, you will always use it.
2. Can I drive without a spare tire? Of course not.
Similarly, life On the way, you also need a "spare tire". Because in this car of life, not only you, but also your family and your industry are sitting here. With a "spare tire", you can meet your immediate needs.
7、 Usually an umbrella sells for 5 yuan, which is too expensive for people; It's raining cats and dogs. The same umbrella sells for 30 yuan, and you can sell it immediately! People usually buy an insurance for 5000 yuan, which is too expensive; When a serious disease comes, the hospital charges 200000 yuan, and it will cost you to sell houses and cars! If you buy insurance, you will use 5000 yuan to solve the problem of 200000 yuan. If you don't buy insurance, you will have to use 200000 yuan to solve the problem of 200000 yuan!
8、 Insurance helps you with three things:
1. It can take care of you when you retire;
2. When you live in the hospital, it can provide you with medical expenses and living expenses;
3. If one day you leave the world, it can take care of your family.
And these can just alleviate the three major embarrassments in life: you can't afford to leave late; I'm in hospital. I borrow money everywhere! I left early and my family had no money.
9、 If you are not sure about one of the five things, you'd better buy an insurance:
1. Can you guarantee that you won't get seriously ill before retirement?
2. Can you guarantee that there will be no accident before retirement?
3. Can you not hesitate to spend 500000 yuan in medical expenses without affecting your life?
4. If you don't have 500000 yuan, can you guarantee that you have friends to lend you and don't have to pay back?
5. Can you guarantee that in the face of serious illness and accidents, when you have to leave, there will be relatives and friends to take care of your family as you do?
10、 There are three reasons why most people don't buy insurance:
1. I don't know that insurance is also money. I didn't regard insurance as money!
2. Take money as life. I don't know that insurance is life saving money.
3. Buy insurance as money. I don't know if it's OK to save money.
A person, no matter how skillful he is, can't control accidents and diseases. Once he lies in bed, he may send 200 to friends, 2000 to relatives, 20000 to parents, brothers and sisters, 200000 or even 2 million to insurance companies! You know, the bank that turns 100 into 103, the investment that turns 100 into 130, and the insurance that turns 100 into 100000!
11、 You won't buy the child's insurance now, but he will buy it himself when he grows up, but the premium is expensive; If you don't buy your own insurance now, your children will also try to buy it for you when they grow up, because there are two old people and two young people, and they need the insurance company to share the medical expenses for them! But the premium is more expensive, even if you want to buy it, you can't buy it; Your lover's insurance, if you don't let him buy it now, will be really useful in the future. It is not others who suffer complaints and sufferings! marry The oath of the time is not to say casually, share weal and woe, whether health or disease, whether rich or poor.
12、 To buy insurance is not to implicate the person who gave birth to you, not to implicate the person who gave birth to you! Insurance is for two kinds of people: the one who loves me, and the one I love. Imagine: Who is really sad when risks arise? Who is involved? Who is the person most afraid of being dragged down by misfortune? Who is most worried about his bad life? Parents without serious illness guarantee are overdrafting their children's tomorrow! Parents who do not have accident protection bet their children's happiness! No, endowment insurance Our parents are increasing the burden on our children. Insurance is a kind of planning and preparation in advance. Because if you don't prepare now, it will be a burden for the person you love most in the future.
13、 As an ordinary person said, if grandparents bought insurance, dad mom Will not exhaust their wealth to cure them; If Mom and Dad had bought serious illness and pension, we wouldn't have to pay for them body feel alarmed; If we buy insurance, someday in the future or even now, we will not add burden to our children; If children buy insurance, they don't have to worry about not being able to afford to go to school in the future and can't guarantee a basic life.
14、 In this life, everything can be bought wrong, but the three types of insurance can never be bought wrong:
1. It's not wrong to buy endowment insurance. Everyone will get old! If there is a mistake, it is because you don't love your body and live a short life;
two Serious illness insurance It can't be wrong to buy it. Everyone will get seriously ill. If they don't get it, it's mostly because they left first by accident and didn't come and get it;
three Accident insurance There's nothing wrong with buying it, to avoid losing both people and money. No accident insurance People are gone, and money is gone. If there is money, love and debt are not left!
15、 When one person buys insurance, at least three situations should be explained:
1. Have a sense of responsibility (can consider the future of themselves and their families);
2. Have certain economy ability (Be able to pay the premium);
3. Be healthy enough (the insurance company is very strict in underwriting)!
On the contrary, what does it mean when a person knows that the insurance is good and does not buy it?
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, and ordinary accident insurance is also very complicated, let alone popular today Million medical insurance 。 Most people Medical insurance Accident insurance should be sold as cabbage. Brother Yunyang Taoge suggested 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.
