What are the benefits of having insurance? What are the benefits of buying insurance?

I'm the customer service manager at Pacific, and I'm asking about the meaning and utility of insurance.

Insurance is a financial tool that allows you to receive financial compensation after the occurrence of a risk and is a positive financial arrangement.

There are two situations that may occur when you buy insurance, one is that there is a risk, and the other is that there is no risk.

When there is a risk and a major loss, the insurance company will settle the claim to reduce the loss of funds, which cannot be said to be very happy, but it is a good comfort.

There is no risk, but only a small amount of insurance premium is lost, which is insignificant compared to the risk of getting a claim.

Some people say, if there is no risk, isn't this money spent in vain? Xiaoshuai tells you that yes, if you spend money on insurance and don't use it, the cost sinks. But can you decide whether or not a risk occurs?

Anyone who buys insurance is willing to avoid greater losses at a smaller cost. These people are not willing to take too many risks and are wise and steady people.

Secondly, there is another benefit to buying insurance. That's the psychology.

Those who have purchased insurance can leave a way out for themselves and their families, and can work and live more actively, which can improve the quality of work and life, so as to obtain a better life.

I'm Xiaoshuai Film and Television, you can refer to my other about insurance, welcome ** all kinds of questions.

Buying insurance is equivalent to saving in disguise, and in the event of a risk, you can have enough money to deal with it. Minimize risk to yourself and your family.

Protecting people from the damage caused by any accident at any time and place can avoid putting themselves and their dependents in a desperate situation without worrying about their own income being reduced or losing their ability to earn a living.

The biggest advantage of buying insurance is to transfer the risk and protect people from the damage caused by any accident anytime, anywhere, and without worrying about their own income capacity or loss of earning ability.

Buying insurance is responsible for yourself and your family, and you can protect your body and property. I have worked hard all my life, and in the end I was sent to the hospital in vain, so you don't want to give it to others in vain if you have money. With insurance, there is a better inheritance of assets.

I think it's good to buy insurance, people will be a little sick when they are old, hospital medical expenses are expensive, don't you feel heartache for the money spent on a trip? What if you get seriously ill? The whole family was implicated.

I force myself to save some money to buy insurance every year, and the money is not lost in the insurance company, and there is protection! Don't drag down your children, and you still have money to give your children after death, which is also a love!

The advantage is to send some money to the insurance company, and you can't eat when you are angry.

I think the advantage of selling insurance is that you can communicate with different people and expand your personal relationships.

Buying insurance can buy a peace for yourself, and if something happens to you, the economy will not have a big accident.

I think the advantage of buying insurance is that it can add a layer of protection to your life.

Buying insurance is to get angry and waste money for yourself, and the only benefit is to have a worth and face.

I think it should be to spend money to eliminate disasters, because it's okay if there's nothing, and if there's something, you can really save a lot of expenses.

I think the wealth management insurance is very good, and you can manage your finances with an extra layer of protection.

For an ordinary family, it will generally face these three risks: accidents, critical illness, and large debts. In response to these three risks, insurance companies have also launched corresponding types of insurance:

They are accident insurance, critical illness insurance and medical insurance, and life insurance. Buying insurance is like wearing a seatbelt while driving, not to use it, but to reduce the damage caused by the risk when the risk comes.

The benefits of buying insurance are not very big, but just in case you need it, and when you use it, it will be of great help.

Take endowment insurance as an example, there will be a certain amount of security for your old age in the future.

I think that buying insurance is a guarantee for your body.

Many people buy insurance, but they don't know why they want to buy insurance and how to buy insurance. Insurance is bought to transfer risk, store wealth, etc.

There is no benefit, it is guaranteed to be completely healthy, and the patient is insured everywhere pitfalls.

When something happens, insurance is the icing on the cake.

The weaker the life, the more you need to buy one, and transfer the risk within your ability, otherwise you can only wait for death or ask for help from the society to reduce your dignity if you are really seriously ill.

Buy insurance in case you get sick and don't drag down your family.

Not much benefit. It's easy to insure, it's too hard to make a claim.

Everyone is familiar with the role of insurance to avoid risks, not only to avoid risks, but also to help everyone pay for the cost of hospitalization due to illness and manage wealth.

If you want to know more about the role of various types of insurance, you can read this article directly: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? What is the function.

If a person is unfortunately diagnosed with a serious illness, it is very expensive to see a doctor in a first- or second-tier city, and it will cost about two or three hundred thousand yuan in total, or even higher. If the million medical insurance has been configured before this, after being reimbursed by social security, the remaining ** fee can be reimbursed with the million medical insurance.

If you pay a premium of a few hundred yuan a year, you can have millions of sum insured, which reduces our financial loss in medical expenses, and it is okay to say that it is "life-saving insurance". Not only that, some million medical insurance also provides some practical value-added services, such as: medical advance, green medical treatment, purchased drugs and so on.

If you want to see which are good products, please take a look at this information: the top ten million medical insurance rankings are newly released!

If you take out medical insurance, most of the medical expenses can be reimbursed, but the vast majority of patients are unable to continue to work during the ** period, so one of the benefits of critical illness insurance is that it can compensate for the loss of income caused by illness. If we accidentally suffer from a critical illness, the insurance company will pay a claim to the insured after verification, and this compensation will at least allow our family life to continue normally.

In addition to making up for the economic losses we have suffered, insurance has a certain financial management function. In this era when consumerism is fully implemented, it is difficult to save a sum of money to save regularly, and annuity insurance with compulsory savings function can help us save a sum of money.

In other words, with the continuous reduction of interest rates by banks, it is likely that there will be negative interest rates in the future, and having a fixed income of annuity insurance will avoid making our money worthless due to negative interest rates and inflation. If you don't know which annuity insurance product to buy, take a look at this compiled information: Want to buy high-yield annuity insurance?

Don't miss out on these 10 again!

Insurance provides a cover, which is not wrong but not comprehensive. Transferring risk to the insurance company is only one of the functions, insurance can also reduce our losses, so that we can work and live with more peace of mind, and do not have to worry too much about future risks that will send families back into poverty overnight.

Because of the forced savings, it also allows us to actively save a sum of money every year, which can be used for our children's education or our own pension in the future.

It is certainly necessary to buy insurance. Insurance cannot avoid accidents, nor can it affect our birth, old age, sickness and death, but buying insurance can reduce the financial impact caused by illness and accidents, and reduce the financial burden for yourself and your family. The main types of life insurance on the market include accident insurance, medical insurance, critical illness insurance, and life insurance.

Premiums are limited to 5% to 20% of annual income.

If it is a pension insurance retirement, there will be a pension.

Life-threatening risks are often unavoidable in everyone's life journey. For example, in terms of death and incapacity due to disease, although the progress of modern scientific civilization and the development of medicine have prolonged human life, malignant tumors, cerebrovascular diseases, heart diseases and other diseases may still inevitably occur to us.

Therefore, the appropriate choice of necessary insurance can prepare for yourself or your family earlier, and avoid huge economic losses due to various unknowns.

Photography insurance insurance strategy.

Get insurance coverage and spread your risk.

Insurance is very simple, it is to help the insured solve three things in life:

1.If you are healthy for a lifetime, no illness or disaster, then insurance is savings, and you can use it for retirement when you are old, and people and money are still there.

2.There are many small things in life, such as bumps, dizziness, etc., which are too common, but you can find an insurance company for reimbursement, and you don't have to worry about medical expenses at all.

3.If you are very unlucky to suffer from a serious illness, or die and become disabled due to an accident, it will be a great dilemma for a family, but with insurance, you can also play the leverage function of insurance to obtain a high sum insured with low premiums.