Is it worth buying insurance and spending money for a promise decades from now?

<>As a student majoring in finance and insurance at a finance and economics school, my answer is, it's worth it.

The question is "the commitment of the insurance company in decades", and since it is long-term insurance, it is basically life insurance. Almost only life insurance is covered for more than ten years.

First of all, I want to reassure many people that under an economic system like China's, the chances of bankruptcy of domestic insurance companies are very small. Even foreign insurance companies, during the 2008 subprime mortgage crisis in the United States, the palms and backs of their hands were full of meat, and the United States ** saved the insurance company and watched Lehman Brothers go bankrupt. And in China, let's first take a look at the authoritative insurance law:

Insurance companies engaged in life insurance business shall not be dissolved except for division and merger; If an insurance company engaged in life insurance business is revoked or declared bankrupt in accordance with law, the life insurance contracts and reserves held by it must be transferred to other insurance companies engaged in life insurance business; If it is not possible to reach an agreement with other insurance companies, the insurance company designated by the financial supervision and administration department to engage in life insurance business shall accept it.

It doesn't matter if you can't understand Rory's wordy provisions, to put it succinctly, in China, the bankruptcy of a life insurance company is almost impossible, and if it really happens, there will still be a pick-up man, even if there is no pick-up man, ** will also designate a pick-up man. So, don't worry! Do not worry!

Do not worry! >Now that it is certain that insurance companies are unlikely to fail, the question is whether it is necessary to accept promises that will be decades from now.

When calculating your premiums, life insurance companies use the law of large numbers, various statistical data, and actuarial methods to scientifically and pragmatically value and monetize your life in the next few decades. The calculated rate takes into account many factors, including rate fluctuations, inflation and other factors. Among them, if you purchase traditional life insurance, such as survival insurance, death insurance, life and death insurance, etc., the risk of rate fluctuation lies with the insurer and does not need to be borne by the policyholder and the insured; If you buy innovative life insurance, if it is a participating insurance, you do not need to bear the risk of rate fluctuations; In the case of universal insurance, the risk of rate fluctuation shall be borne jointly by the insurer, the policyholder and the insured; Only variable insurance (investment-linked insurance) has a floating rate that needs to be borne by the policyholder and the insured.

The rate calculated by the insurance company for the customer's personal account and cash value is generally higher than the bank rate for the same period, and it is also on the premise of underwriting the risk, so on the whole, the insurance company's commitment after decades is still very worthwhile. I think that as long as you choose the right type of insurance, the benefits of buying insurance for the same amount of money are much higher than those brought by depositing in the bank.

Buy an insurance policy and get a promise decades later. Personally, I think it's very worthwhile, and I have a lot of friends around me who are engaged in the insurance industry, so I bought one myself. People in the insurance industry will post a paragraph in the circle of friends every day.

Friend A: Why do you spend so much money on an insurance policy?Insurance is all about deception!

Friend B: Then if I get sick and am hospitalized and need a lot of money, you can lend it to me. My friend was embarrassed and said that I had so much money.

You see, it's not that the boat of our friendship has capsized, but because everyone will encounter difficulties, and we can't always count on others to help you, we must learn to be prepared for danger in times of peace, invest reasonably when we have money, buy ourselves an insurance, and when we need it, we will know how important it is. It is said that the book is less hated when it is used, and I think the insurance is less time-consuming.

I think that as a post-90s person, I need to buy an insurance for myself and make a commitment to myself in the future. Most of the post-90s are only children born in response to national policies, just imagine, as a post-90s generation, after you get married, you will have four old people to support, and there will be a baby waiting to be fed to be raised. In this era of high consumption, the responsibility on your shoulders is heavy and arduous.

Make a hypothesis, if you are sick and hospitalized, do you have enough funds for yourself**, if you scatter your wealth and do not heal yourself, then it will be endless darkness for your parents and your children. If we have an insurance policy, we can get timely ** and prepare for the worst, even if we are not cured, but you will still leave a sum of money for the parents and children to live on. Insurance protects your health, your responsibilities, and your family.

For those who only want immediate benefits, say a word: the surname of insurance is Bao, to understand what he means, in addition to pension dividend financial insurance, accidental medical property and car insurance are effective immediately, how long to pay for how long, isn't it worth it?

Not insured, the money is spent, is there anyone to give when the money is used, and now there is a crowdfunding.

Although it will be worthless in a few decades, who can guarantee that people will not be born, old, sick and die in these decades.

There is no free lunch in the world, and if you want to take advantage of the insurance company, you must immediately braid.

I used to work as a life insurance salesman for Chinese Life, and this work experience has brought me the following understandings:Protection insurance is good, but insurance salesmen are not necessarily good.

Insurance for this thing,Originally, it was an effective means to gather the strength of all people to jointly resist natural and man-made disasters, the policyholder gambled that there was a guarantee in case of an accident, and the insurance company gambled that the policyholder would not have an accident. As for the premium and the amount insured, there are special economists who have repeatedly calculated to ensure that the policyholder can get sufficient compensation in the event of an accident, so as to ensure that the insurance company can still have income after deducting the cost of its own operation.

However, with the development of the financial industry, insurance, as one of the financial troika (banks, brokers, and insurance), has gradually increased the two-in-one insurance of wealth management insurance and protection on the basis of the original protection insurance.

Today's insurance companies are more inclined to sell wealth management insurance or two-in-one insurance to users. Why? For insurance companies, the premium of wealth management insurance or two-in-one insurance is high, and the higher the premium, the more money can be made with the premium through financial means; For insurance salesmen, the premium of wealth management insurance or protection and wealth management two-in-one insurance is high, even if it is the same commission ratio as ordinary protection insurance, the commission of a single wealth management insurance or protection and wealth management two-in-one insurance may be dozens or hundreds of times that of ordinary protection insurance.

Take the simplest example: for an accident protection insurance with a premium of 100 yuan, the insurance salesman can only mention 11 or 2 yuan, but the time cost, communication cost, transportation cost, insurance policy (the list is also bought by the insurance salesman himself) and so on all the costs add up, far exceeding the commission. And a two-in-one policy with ten years of payment and annual premium payment, how can the insurance salesman's commission in the first year be about 2,700, and there is still a commission in the second and third years, and the insurance salesman's online and upline still have a commission.

If you get it alone, you can get 100 or more customers, so if you buy 2-in-1 insurance, the insurance salesman will definitely pay out of his own pocket to give you short-term accident insurance, or even give you the whole family.

Next time, if an insurance salesman is like Gu Juji in "Love Call Transfer", saying that he doesn't sell insurance, he only provides protection, then you tell him:"Okay, please give me a simple guarantee, no need to talk about financial management

That's it.

Although modern life is comfortable, but people's sense of crisis has always been relatively strong, everyone is working hard for money, but most people are not very extravagant in their daily expenses, saving money is very important in China's traditional concept, saving to marry a daughter-in-law, buy a house, save for the elderly, save a coffin, these show people's strong sense of insecurity. China's medical system is relatively developed, but it still cannot solve the problem of expensive medical treatment, 30 years of hard work, a disease back to the pre-liberation period, this is not an empty word, a true reflection of the facts we are facing now.

Most diseases are not our will and can be influenced, but many diseases are actually related to our living habits and work habits when we were young. Nowadays, more and more young people are very busy at work, often working overtime to have serious cervical spondylosis, and their bodies are in a sub-healthy state, which is not manifested in ordinary times, but once the disease occurs, it can destroy a person instantly. We work so hard not only to survive, but also to be able to live a better life in the future and have a stable guarantee.

So now everyone's mentality is to live for the future, exchanging life for money in the first half of life, and money for life in the second half of life.

In terms of the proportion of investment and income, if your life is safe, the return on this part of the investment is very small, even if it is a pension-type commercial insurance, the ratio of your investment and the pension that you can receive after old age is lower than if you invest in other projects, and its advantage is low risk and stability.

There are many benefits to buying commercial insurance. Banks can fail, but insurance companies cannot, which means that your policy will always have a company to bear, and it will never be empty, and it must be safe to invest in other projects. Nowadays, many insurance projects are dividend-type, and we don't get much profit, but at least we won't lose the principal, which is a disguised saving.

The money we have in the bank is shrinking, and the interest on the deposit is simply not enough to offset this, taking into account inflation.

The development of China's insurance industry in the past few years is indeed relatively chaotic, because the level of insurance salesmen is generally not high, and the difficulty of opening up the original market is very great, resulting in the development model of many insurance companies, which looks like pyramid schemes, which has had a very bad impact on the reputation of China's insurance industry. In recent years, the situation has gradually improved, everyone has actually realized the importance of buying insurance, people who have not bought it are mainly because they have no money, when measuring vested interests and long-term interests, they always choose the immediate one, and it is too late to choose to buy insurance when they regret it.

A lot of insurance benefits have to be put in a few decades, but a few decades later is what we should be worried about now, so if you have idle funds, you can consider buying insurance, and if you are a little tight today, you will not have nothing to rely on in the future.

Is the promise of insurance worth it decades later? The promise of the insurance company decades later is certainly not worth it! Especially if it's a long-term lock-in for decades and requires you to keep investing in long-term insurance!

First of all, at present, the current compensation process in the insurance industry is very troublesome, and the insurance policy is so long, the insurance company may no longer be there; Secondly, the current inflation is really too serious, housing prices, all kinds of prices are rapid, and the income obtained in a few decades may have depreciated.

Secondly, it is the current international and domestic economic situation, the overall downturn! Central banks are printing money at full speed! The direct consequence of this is that money is becoming less and less valuable!

I think everyone can feel it now, a hundred yuan out of the house without buying anything, it is estimated that it is a day's meal money plus a few fruits! Then there is the current rise in prices and house prices.

All this tells us that the money in our hands will only get less and less, and it is a smart person to be able to borrow money and pay it back later! This is the debt economy! The United States played the best routine, when one dollar was exchanged for eight Renming coins, and domestic bricks bought U.S. Treasury bonds, not to mention the income and depreciation, now one U.S. dollar is worth six Renming coins, and the United States has taken away how many things from us for nothing!

That's the power of currency devaluation! So what's the use of putting our own money in an insurance company? Even if he can really guarantee your income, that money seems like a lot now, and maybe in a few decades you will not be able to buy a house for the area of a toilet!

In the current era of high inflation, high prices, and rapid development, we must not save money, but have the courage to consume and go into debt!

In fact, for China's national conditions, I personally think it is still worth it.

First of all, our life is not as comfortable as before, the quality of life has been reduced due to the fact that the price ** is too fast, and the impact of food, transportation, medical care and other aspects is also relatively large. It can be said that it is like a food chain, interlocking.

The Internet also often reports how the gap in social security and pension is, so if you have idle funds in hand, it is still recommended to invest in some formal insurance. In this way, if there is a major illness or pension in the future, there will be more protection; Otherwise, the little money you saved on your own will probably be spent all of a sudden, and you may be in debt.

And if you encounter an accident in your life, you can also use insurance to cover part of it, so why not?

Therefore, insurance is good for both individuals and families.