Is it cost effective to pay insurance Is it cost effective to buy insurance?

Insurance depends on your financial concept! In fact, from the perspective of modern people's financial management concept, insurance can be regarded as savings! The basics of insurance can only include reasonable risk diversification, risk management, and the function of saving!

If you think that the ratio of 7w yuan in 20 years and 5w yuan now, of course, there is no comparison! You should know that you are taking advantage of the scattered opportunities to complete your own savings behavior, usually this type of insurance, which is for children, that is, as children's insurance, but also as education savings. It's a win-win!

I recommend that you calculate whether you need this insurance based on your family conditions and your investment style. If you are confident that you can achieve the expected rate of return with a reasonable investment, you certainly don't have to protect your BB! As you said, I don't feel that it is very cost-effective, if you want to insure, you can go to other places to inquire, now some insurance types are dividends, and the rate of return is also higher!

Hope mine satisfies you!

Oh, it's normal for the landlord to have such thoughts, after all, we won't know and can't ** what will happen in the future, as you said, 70,000 in 5 years may be equivalent to 7,000 now, this may not exist, however, if this is the case, whether your money is placed in **, 70,000 in 5 years is equivalent to 7,000 now, do you think so?

On the other hand, insurance is a manifestation of love, just like this Sichuan **, no one would have expected that there would be **, so there are two things that cannot be controlled, one is a disease, and the other is an accident. Wouldn't it be better if you gave these two risks to the insurance company, and the Lord had millions of people with you to take these risks, and you helped others, and others helped you?

Is there any other feature of this type of insurance, if there is an interval to survive, there is no cap on the life to the old to the old, and there are dividends, and there is the reverse capital, I suggest that if you have the ability to buy, so that the risk is transferred, and you can accumulate some money for the child, whether it is going to school, or marriage, or entrepreneurship may play a role.

In fact, you can go to buy **, or buy insurance for other businesses, and it is important to choose the insurance that is suitable for you and your family. Personally, I think that ** is as important as insurance, one is to take the money to the experts, and the other is to buy safety, which is very important to no one.

If you push forward 20 years, have you ever thought about investing in real estate, or investing in shops, or buying original shares? If I had bought a little bit at that time, I wouldn't have made a lot of money now.

The above are very good and reasonable, and the questioner can refer to them.

Hello, the main use of insurance is a kind of protection, and investment is its auxiliary function. If you can afford it, it is advisable to purchase insurance to add an extra layer of protection to your person.

The meaning of insurance is mainly to transfer the risk when the risk comes, and give yourself more protection. At the same time, modern financial insurance has also become a new type of financial management method, which can increase their wealth income and complete the accumulation of wealth on a certain basis.

You can refer to:

Commercial insurance is mainly used as a supplement to social insurance, which is a kind of commercial behavior, including critical illness insurance, accidental injury insurance, medical and health insurance, etc. Provide financial protection for personal risks. Accidental injuries, health illnesses, pensions, etc. are problems and risks that everyone encounters.

You can protect your personal safety by purchasing insurance.

Hope it helps.

First of all, there is a difference in the type of insurance paid. Sail noisy.

The company's contributions generally include: endowment insurance, unemployment insurance, medical insurance, work-related injury insurance and maternity insurance, as well as housing provident fund.

If you pay for it, you can only get endowment insurance and medical insurance.

There is also the difference in payment.

There are several grades of individual contributions, ranging from 60%-300% of the average social wage; 20% for companies and 8% for individuals.

Therefore, if you work in the company, it is still the most cost-effective for the company to pay.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

How to choose the premium payment term of the policy? Is the longer the better? How is the premium waived?

There are pros and cons to each, the total amount of single payment is small, and the total amount of payment is more than that of decades. If there is an exemption, choose the one that is paid annually, and once the exemption occurs, the premium will be appropriately reduced or waived.