What are the benefits of buying insurance?

What are the benefits of buying insurance.

The CIRC's public service slogan:

Buy accident insurance, just for a peace of mind on the road;

Buy medical insurance, just for hospitalization without spending your own money;

Buy education insurance just to give your child a certain future;

Buy pension insurance, just for a worry-free smile in the sunset;

Buy wealth inheritance insurance: only for the assets under your name to avoid taxes reasonably.

What the customer said after receiving the claim:

I used to say that I only bought it if there was a problem, but now I know that I can't buy it if there is a problem.

I used to think that I wouldn't have an accident, but now I know that I am not afraid of an accident, which is called life planning.

I used to think that the hospital was to save people, but now I know that the hospital recognizes money and does not recognize people.

I used to think that insurance was a burden, but now I know that insurance is a second life.

I used to think that I would talk about it then, but now I know that I can't say anything at that time.

I used to think that the money I bought for insurance was made by the insurance company, but now I know that the insurance I bought is to let the insurance company make money for me. I used to think I just had to be careful, but now I know it's called a fluke.

Insurance can't change the present, but it can prevent it from being changed in the future!

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

Advantages of insurance: Critical illness insurance, medical insurance, life insurance and accident insurance are based on people, mainly to protect the safety of people's lives, all of which are indispensable, and the advantage is to resist risks and reduce losses for family economic life. There are many types of commercial insurance, and different types of insurance provide different protections, and consumers can choose according to their own protection needs.

Ping An Life Insurance 95511-1, Ping An Auto Insurance Property Insurance Accident Insurance 95511-5, Ping An Pension Insurance Group Insurance 95511-6 Detailed consultation.

Hello! Nowadays, people are surrounded by a variety of risks, including accidents, diseases, property damage, etc., and insurance can help people avoid all kinds of risks, and some insurance products also have financial management functions, which can well meet people's protection and financial needs, so it is wise to enter insurance.

The benefits of buying insurance, such as increasing our protection, transferring economic risks, increasing capital and so on. As long as you buy insurance correctly, there is generally no harm, at most you need to pay some insurance costs, which may increase the financial burden of the policyholder.

Therefore, when buying insurance, we should pay attention to the premium and the sum insured. The total annual premium should not exceed 20% of the annual income, and the sum insured should be selected appropriately. For example, critical illness insurance is more than 300,000 yuan, 500,000 yuan is moderate, and the amount of insurance that needs to be configured for other types of insurance is different, you can see this article for detailsHow much insurance is appropriate?

Let's talk about the doorway inside

Next, the senior sister will briefly introduce the benefits of insurance below.

1.Transfer of economic risk.

When we have expense losses due to factors such as illness and death, such as ** expenses, ** expenses, loss of income, etc., at this time, we are equipped with critical illness insurance with complete protection for mild and moderate illnesses and death protection, then whether we are suffering from compliant diseases or not dying of illness, if we meet the conditions for claims, we can get at least one compensation to transfer the economic risks caused by illness and death and reduce losses.

When purchasing critical illness insurance, in addition to choosing complete protection for mild and moderate illnesses, you should also pay attention to whether it provides multiple claims and additional claims for high-incidence diseases, and some will also provide optional benefits such as premium waiver and death benefit. Senior sister has sorted out some high-quality critical illness insurance, if you need it, you can take a look:Top 10 Popular Critical Illness Insurance Points Worth Buying!

2.Enhancement of funds.

In addition to protection insurance, there are also financial insurance, such as annuity insurance and increased whole life insurance. These insurances not only provide protection, but also increase the value of the money.

If you want to protect your old age and be able to receive a regular amount of money for your retirement expenses, then you can consider pension insurance. The income of pension insurance is stable, not affected by the social and economic downturn, as long as it survives after reaching the agreed time, it can receive the pension according to the agreement, and receive it until the expiration of the contract or death.

At present, the pension insurance on the market, the better internal rate of return can be approached, here are some high-quality annuity insurance, interested can take a look:Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again! Hope.

1. Avoid risks and transfer risks. I believe that the original purpose of buying insurance is to avoid risks, for example, the travel insurance bought when traveling is to avoid risks, and to prevent the use of insurance to protect yourself after an accident.

2. Reduce medical pressure. It is impossible for people to be sick from birth to death, and if there is medical insurance as a guarantee, the burden of huge medical expenses can be alleviated.

3. Insurance savings. Saving in the form of insurance is the most popular way to save in today's society, and it also reflects a change in concept and the formation of good habits, more and more people rely on commercial insurance to solve the problems of pension, medical care, children's education and reduce the burden of unpredictable risks in the future.

4. The policy can be mortgaged. Some insurance policies can also be used as a mortgage, if you need money urgently, and you can't raise it at the moment, and you still have an outstanding policy in hand, you can pledge the insurance policy to the corresponding insurance company and get a loan from the insurance company.

5. Reduce investment risks. Compared with the higher risk ** and bonds, the investment risk of buying insurance is the lowest, such as life insurance in insurance products, life insurance has a special mandatory savings function to help you carry out medium and long-term financial planning, achieve the effect of special funds, and let your savings goals be implemented. At the same time, life insurance is also a long-term investment, compared with other investment tools, life insurance has the lowest investment risk, is suitable for long-term holding, is not easily affected by changes in the economic crisis, and has stable returns.

6. It can compensate for the economic losses caused by medical treatment. People don't know when they will stay in the hospital for a few days in their lives, and they can't afford to pay more than 10,000 yuan in medical expenses, so insurance can solve the economic losses caused by medical expenses at this time.

7. Be able to complete your own retirement plan: With the advancement of medical technology, people's life expectancy is getting longer and longer; And the standard of living is also getting higher, and the money you need after retirement will also be more. In order to maintain financial independence and dignity in life, it is essential to save money in advance and plan.

Benefits of Buying Insurance: Spread the accident losses and make the family financially stable.

Disadvantage of buying insurance: premium burden, annual and monthly premiums form long-term family liabilities. Surrender of the policy may result in financial loss. Investment income may not be as high as that of a fixed deposit. Premiums can only be claimed if the conditions are met.

Insurance, which is meant to be safe and reliable; Later, it was extended into a security mechanism, which is a tool used to plan one's finances. It is the basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating the insurance money for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insurer bears the responsibility of paying the insurance money when the insurer dies, is disabled, is sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

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

With the rapid economic development in the past decade and the improvement of people's living standards, there is a sense that the hard-won days cannot be easily slipped, so people begin to think of insurance and use insurance to resist unknown risks. Let's take a look at what insurance does.

1) Basic functions.

The basic function reflects the mechanism of insurance, and the method of collecting premiums is used to share the losses caused by disasters and accidents, so as to achieve the purpose of economic compensation, which is divided into two functions: loss sharing and economic compensation.

Loss apportionment function: insurance is a method of apportioning losses, which is based on the opposition and unity of the contingency and inevitability of disasters and accidents, and the reason why the insurance mechanism can operate is that the insured is willing to pay a small amount of definite insurance premiums in exchange for compensation for large uncertain losses. Insurance organizations collect premiums from a large number of policyholders to share the large losses suffered by a small number of their members.

Economic compensation function: insurance uses the method of apportioning losses to achieve the purpose of economic compensation, and provides economic compensation to units and individuals damaged by disasters and accidents in accordance with the insurance contract, and the emergence and development of insurance are to meet the needs of compensating for disaster losses.

2) Derivative function: The derivative function of insurance is the function of investment and financing and the function of disaster prevention and loss prevention.

Investment and financing function: on the one hand, it is for the insurer, because there is a certain time lag between the collection of insurance premiums and the payment or compensation of insurance money, the insurer can invest in insurance at this time, so that the insurance can maintain and increase its value; On the other hand, it is for the policyholder, who can choose certain insurance products to obtain the expected payment of insurance money, so as to use insurance as an investment.

Disaster prevention and loss prevention function: Generally speaking, the insurer can realize the disaster prevention and loss prevention function by providing loss management services, that is, helping the insured to analyze, analyze and evaluate the potential loss risk, and propose reasonable pre-prevention plans and loss management measures.

Now, more and more people are buying insurance for themselves or their families, and many companies are buying insurance for their employees as well. So, what are the pros and cons of buying insurance? The main benefit of buying insurance is to get a kind of protection, or to transfer your own risk to the insurance company, which will bear the risk and share the accident loss.

<>In addition, there are some insurances that have a certain investment value, and can also have income while protecting. For example, there are many insurance policies that carry out financial transactions and have dividends. There are many benefits to buying insurance, and there are many types of insurance.

It depends on what kind of insurance you buy. The benefits of each are different. For example, social insurance is a kind of insurance, which is a benefit given by the state, and it is also a kind of living guarantee for their future retirement.

Medical insurance is a benefit that can be enjoyed when you are sick, and car insurance is a kind of protection that you can enjoy when you have a car accident, depending on your needs. Of course, insurance should be bought as much as possible. Because in life, there will be some risks, such as accidents, illness, all need to spend money, if it is a small expense, don't think about what, a thousand is very serious, you need to spend tens of thousands or even hundreds of thousands, you will not go to every family can take it out at any time, even if you have it at home, spend so much money at once, there may be problems with the family economy, if I buy insurance, the money is borne by the insurance, and the quality of life of the family is not affected.

The advantage of buying insurance is that it can help consumers transfer risks and enhance their ability to resist risks. As we all know, there are various risks in our lives, such as diseases, accident risks, and many more. These risks threaten our lives and health all the time.

Of course, humans themselves are also vulnerable to these risks, and it is possible that a small accident can have a huge impact on the victim and his or her family.

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It can help us reduce some of the burdens, afford our old age, help our children reduce some of the burdens, and make us more confident, you can buy whatever you want, and you feel that life is very happy.

Protect your money. Add 1 point of protection to your health. It can give 1 protection to the family. Good for the days after losing your job. Good for fertility.

Relieving your financial pressure and allowing yourself to get a guarantee can improve your security, reduce your financial losses, and not have to face an economic crisis.