Why do some people not like to buy insurance?

First of all, insurance is an invisible commodity, and people prefer to have the feeling of physical objects, because the sense of security is better, and a paper promise is very ethereal after all, and people don't like the feeling of being suspended.

Secondly, due to the uneven quality of employees, the insurance industry has many unacceptable defects found by customers after purchase, which has caused disgust towards insurance products. There is even a bull market in 08, there are a large number of investment-linked insurance on the market, the income is exaggerated before insurance, and the risk is deliberately avoided, resulting in the investment of millions of people without returning, from the bear market, the society generally has a bad impression of insurance.

Finally, the ideology of the grassroots level of our society is still in the stage of backward small-scale peasant economic consciousness. Over the past few thousand years, the Chinese nation has been in a society of acquaintances, and everyone has shared and resisted risks through the social circle of acquaintances. For example, if one side is in trouble, all sides will support.

We have always helped each other through relief, and we have never solved life's problems through financial tools. Ordinary people also tide over the crisis through the mutual help of clan relatives: when they are sick, their neighbors come to help; I went to Beijing to take the exam, and borrowed money from relatives or clans.

Even in modern times, avoiding financial risks is also by asking for help and borrowing money to barely cope.

In the past two decades, rapid development and urbanization have made our country stride into a stranger society, and corresponding financial instruments have gradually emerged. However, the society is changing too fast, and people's concepts have not kept up in time, and they are still stuck in the thinking habits of small collectives and mutual assistance in the past. Therefore, even if you know the function of insurance and trust the insurance company, you will not be able to accept this change for a while.

Some people don't like to buy insurance because they have a fluke mentality, thinking that they will not be so unlucky, and feel that the risk of illness and accident will not happen to them, but no one can guarantee that they will not encounter risks in their lifetime.

However, people of different ages have different insurance ideas, and the details can be stamped: How to buy insurance for different ages? Everyone should have their own plan.

In addition, some people do not like to buy insurance because they feel that insurance is very expensive and cannot afford it. In fact, insurance is expensive and cheap, and you can buy it according to your own economic conditions, and like accident insurance, the premium ranges from dozens to hundreds of dollars a year, which is very cheap. Let's talk about medical insurance, like the hot-selling million-dollar medical insurance, young people in their 20s only need two or three hundred yuan a year, but the reimbursement amount is as high as millions, which is very cost-effective.

In addition, some people do not like to buy insurance because they feel that insurance is deceiving, in fact, insurance is not deceptive, when we buy insurance, if there is an insured accident agreed in the contract, and the corresponding claim standard is reached, the insurance company will pay the corresponding insurance money, or reimburse the corresponding medical expenses.

That's a matter of perception, of course, you don't have to buy insurance if you're absolutely not bad for money. Buying insurance is buying an accident, people don't know what will happen to them tomorrow, and buying insurance is also responsible for their families.

Does insurance work? Why are many people reluctant to buy insurance? You'll understand after reading it.

People just don't like those accident insurance, because they generally subconsciously think that they will not have accidents, and they don't want to have accidents, so they think that there is no need to buy accident insurance, as for other insurance, as long as there is a need, they will buy it, there is no such thing as hate. For example, CIF is generally used for commodity exports, and insurance is generally bought, because there are too many uncertainties at sea, and cars will also buy insurance, and then special jobs will also buy insurance, such as drivers.

When someone says "insurance is hated", they are actually saying that insurance sales methods, salespeople, and insurance companies hate it, or the original intention is to directly point out that the insurance industry hates it.

Impressions of the insurance industry:

1.Deception: This is an era of horse racing, and under the premise that insurance knowledge is still very mysterious to ordinary people, performance-oriented domestic companies have used a lot of intentional or unintentional deception.

2.Value: As a highly professional financial product, insurance marketing at this stage mainly relies on acquaintance sales, and it is difficult for insurance marketers to provide value analysis of their products, resulting in many people buying inappropriate products.

3.Wealth: The insurance industry's incomes are really not ideal.

Do you think bank staff are respected because the wealth management products they sell are valuable or because they earn a high income? The scarcity of insurance resources and financial resources is not as good as that of banks, resulting in this state of income distribution.

Indeed, I often receive sales pitches from insurance companies, as if to tell you that if you don't buy you, you will be surprised, no one will like it, maybe the insurance salesperson should change the way.

How can people be familiar with the importance of insurance, take the initiative to buy insurance for themselves, and be happy to buy insurance for themselves?

It is important for people to understand that insurance is an investment, an investment in their own safety, property, and things that they value, and the ultimate beneficiary is themselves. This money will eventually come back to itself, not less, only more.

Insurance personnel must gain the full trust of customers and do not use deception and other means.

Insurance can raise funds for yourself in the first event of an accident.

The insurance procedure is not complicated.

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

Some people who don't buy insurance may not trust insurance, feel that insurance will deceive people, or feel that insurance is useless.

But in fact, insurance is not a lie. First of all, insurance itself is a paper contract, what to insure, how much to pay, have been clearly written in the clauses, is legally responsible.

Secondly, in China, the threshold for the establishment of each insurance company is relatively high. Moreover, it operates under the supervision of the China Banking and Insurance Regulatory Commission at all times, and its insurance products also need to be subject to the relevant strict approval of the China Banking and Insurance Regulatory Commission.

Therefore, the insurance product and the underwriting company behind it are reliable, and everyone can buy with confidence.

In addition, buying insurance also has a lot of functions. For example, critical illness insurance is a benefit-based insurance, once the insured is unfortunately diagnosed with the disease agreed in the contract, the insurance company will pay a large amount of money in a lump sum if the conditions are met.

This money can be used to cover critical illness** expenses, follow-up** and nutrition expenses, as well as to cover financial losses incurred during the illness, etc. To a large extent, it can effectively resist the economic risks caused by critical illness.

In addition to this, there are these benefits of buying insurance:What are the benefits of buying insurance? A lot of people think too much.

Overall, insurance is not only reliable, but it also has a lot of benefits. And we face various risks in our daily life, such as illness, accidental injury, death, etc. Therefore, if you want to resist the economic risks arising from the above situations, then it is still necessary to buy a suitable insurance to protect you.

In order to let everyone step on the pit less in the insurance process, the senior sister specially prepared a detailed insurance strategy:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insuranceHope.

Reasons for reluctance to pay pension insurance:

1) 8% of the pre-tax deduction of personal tax goes into the personal account for compulsory savings (except for retirement, death, immigration and other special circumstances, it is not allowed to be withdrawn and used), and the rest of the 20% or so paid by enterprises (varies from place to place) are collected as a whole and do not enter the personal account;

2) According to a researcher at the Tsinghua Research Institute who recently asked for an extension to 65 years old to receive a pension, the average life expectancy in China is 75 years old, and starting to receive it at the age of 60 is to receive it for everyone for 15 years. The prerequisite for receiving pension insurance is to pay for at least 15 years, and many people will pay for more than 30 years.

3) the formula for calculating how much pension can be received in the future, the length of life of the recipient, the inflation and currency depreciation during the period, etc., are all largely uncertain;

4) Different from commercial insurance, the sum insured, premium and user terms of endowment insurance are adjusted by the relevant state departments at any time. In addition to the annual "statistics" of the average social wage increase, the extension to 65 years old pension, etc., the country has the space and possibility to further adjust the pension insurance policy in the future, so there are too many uncertainties.

5) The negative impact of the empty account of pension insurance and the Ponzi ** statement has been circulating among the people.

Therefore, many people are reluctant to pay pension insurance.

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

1. Please do not discourage your friends and relatives from buying insurance, unless you are sure that you can support their parents, wife, children, or help them pay off all their debts when they are in misfortune.

2. No one is interested in the hospital, but what they think of after getting sick is to go to the hospital, and insurance is the same, buy it when you don't need it, and use it when you need it.

3. Everyone has at least one insurance, the question is, when misfortune happens, the compensation of this insurance will be paid by the insurance company or by his family.

4. Critical illnesses and accidents are not terrible, what is terrible is the high medical costs, and the high medical costs are not terrible, and the terrible thing is that you have not bought health insurance.

5. It may not necessarily rain in the day, but umbrellas are our usual items; Risks don't have to happen, but life insurance can't be left out.

6. In fact, insurance is always at a role, it is an invisible umbrella, at any time to help us shelter from unexpected "wind and rain".

7. The greater the responsibility of a caring man, the higher the amount of life insurance should be. Most people say, "I'll take care of you as long as I'm here." After taking out the insurance, you can say louder: "As long as you are there, I will take care of you!" "Insurance makes your love more tangible and lasts longer.

8. When you are interested in insurance, insurance will not be interested in you!

9. Money is worthless when you have money, and life is worthless when you don't have money.

Facts have proved that if a sick person wants to buy insurance, it is not that he approves of insurance, but that he spends his own money and feels distressed. So, there is no pain in the skin, and I don't know the benefits of buying insurance. I always feel that it is useless to buy insurance. I didn't buy insurance and didn't have an accident, that's a blessing!

If something happens without insurance, it's a tragedy;

If you buy insurance and don't have an accident, that's happiness;

If something happens after buying insurance, it's a blessing.

Insurance can do it:

If nothing happens, it's icing on the cake, and if something happens, it can be a charcoal in the snow.

Buying insurance doesn't change your life, it prevents it from being changed! After decades of hard work, when I returned to the pre-liberation period after an illness, the family's savings for many years were saved by the hospital! In the face of diseases, disasters, and lost lives, risk once again reminds us of the value of the existence of insurance people!

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

The concept is not enough, some people do not have that kind of insurance awareness at all, and have not yet realized the importance of insurance. There are also some people whose thoughts are more easily influenced, and are influenced by friends or relatives around them to say that insurance is not good and that insurance deceives people. There are also those people who feel that it is better to give the money to the insurance company than to put it in their own, and they feel that it is not their own money to put it in the insurance company.

There are also people who feel that it is useless to buy insurance, and they feel that they will not encounter accidents. Anyway, in the end, it's just a sentence, no concept and no consciousness.

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