What are those who don t want to buy insurance thinking?

People who don't want to buy insurance are generally thinking that they won't have this kind of accident anyway, and it's just a waste of money to buy it, so they don't buy it in order to save that little money.

I refunded all my policies from Ping An Life last year, do you know what I'm thinking? I'm glad I jumped out of the pit in time, otherwise the longer it takes, the greater the loss, and it's best to feed the dog with interest.

Let me tell you why everyone is reluctant to buy insurance, the reason is very simple, if the insurance company changes the policy fee to a maximum premium of 100 yuan, and the spectrum premium is between 1 yuan and 5 yuan, the number of people who accept it will increase, and the business of the insurance company will be better. Got it?

In fact, they feel that the people who sell insurance are not credible, and they feel that they do not need to buy insurance, and they will not have an accident.

Normally, I think that I don't need this thing for the time being, and this thing can't bring me a certain benefit in time.

Lest you get sick and angry, what are the people who sell insurance thinking? Benefit? So what do you want a Buddha to do?

It is still very necessary for us to buy insurance, which can help us transfer the economic losses of risks such as illness and accidents, after all, none of us can guarantee that we will not get sick and accidents will not occur in our lifetime.

The compensation paid by the insurance can reduce our financial pressure to a certain extent, so that the normal life of the family will not be greatly affected. If you want to know what are the specific benefits of insurance, you can check out this article: What are the benefits of buying insurance? A lot of people think too much.

In addition, insurance can help us share family responsibilities, especially life insurance. When the insured unfortunately passes away, the insurance money paid by the insurance company can help the insured to complete the responsibilities of children's education, support for the elderly, and repay the mortgage and car loan to a certain extent. I have screened these ten excellent life insurance products from the many life insurance products on the market:

Top 10 Life Insurance Worth Buying!

In addition, insurance can also allow us to rely on the old, when we are young, buy a commercial endowment insurance, such as annuity insurance, and when we are old, from the agreed time to pay, you can receive a sum of money from the insurance company every year or month, to solve daily expenses, etc., to a certain extent, you can improve the quality of our old life.

So what are the commercial endowment insurance worth buying? You might as well take a look at this list: the top ten commercial pension insurance points in terms of cost performance!

It is indeed necessary to buy insurance, especially protection insurance.

Moreover, the insurance benefits paid by critical illness insurance are at the disposal of the insured, not only for ** illness, but also for economic loss compensation.

Therefore, protection insurance such as critical illness insurance is suitable for most people and it is necessary to buy it.

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 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!

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"

Some people hate insurance and don't buy it, they think it's a lie. However, some people think that insurance is very good, and it is also a kind of personal protection to be able to get some compensation when they encounter injury. It is normal for different people to have different understandings of the same thing, because some people have suffered losses in insurance, such as going to the bank to handle a large deposit, but it turned out to be insurance, and the money cannot be withdrawn at all, and can only be redeemed after maturity.

And there are some people who have been compensated after buying insurance, for example, buying car damage insurance, and getting compensated by the insurance company when the car has major damage, which will make them happy. It can be seen that insurance still has a certain use, not all insurance is **, and people can't look at insurance with colored glasses.

It can only be said that many insurance salesmen now make people have a bad impression of insurance, for example, they will always cheat the old man's money, so that the old man unknowingly turns the deposit into buying insurance, and the old man is not very shrewd, and will only follow the salesman's operation and sign or press the fingerprint. There is nothing wrong with insurance itself, but many people use some negative means when selling insurance, which will make many people hate insurance. And some companies will come up with some tricks when buying insurance, so that users will suffer.

If you want to buy insurance, you can understand the insurance company, don't listen to the salesman's words, you can check it yourself, and read the above payments and precautions clearly. Then you can check some things on the Internet, such as whether the insurance has been complained about, whether it can get the insurance, and whether it can be redeemed when it expires. After understanding everything clearly, you can buy an insurance according to your physical condition or financial situation, for example, if you are older and your physical condition is not very good during the physical examination, you can buy critical illness insurance or serious illness medical insurance.

There are many insurance companies in China, and the scale is also very large, and the insurance they launch is both good and bad, and consumers need to screen it when buying.

Some people don't like insurance and don't want to buy it. I think insurance is useful, although many people feel that they want peace of mind when buying insurance. But no one can say what will happen in the future, if you have a serious illness and you don't have insurance, it is very likely that you will spend all your family savings.

Many people feel that they need to invest a lot of money when buying insurance, but the return in the later stage is very small. However, when you buy insurance, you must distinguish and choose the one that is more secure, so as to avoid the money you have invested in it from being wasted. At the same time, we should try not to just listen to the boasting of insurance salesmen, we should really enter the industry and learn more financial knowledge, so as to avoid being deceived.

At the same time, because everyone's risk awareness is getting higher and higher, many people now very much agree with insurance. But there are some people who are still very stubborn in their thinking, and they think that insurance is just something that is useless. <>

If everyone's family situation is relatively wealthy, in this case, because of a serious illness, everyone will not face the situation of separation, but some are working families, and the husband and wife rely on some work to support the elderly and children in the family, and they dare not slack off. Buying an insurance policy in this situation can give them more benefits in the years to come. Because once you meet the corresponding standards, you can get a medical allowance at this time, which can avoid your family falling into a situation of collapse.

In today's society, we don't know which one comes first, the accident or tomorrow. Sometimes a sudden accident is likely to cause everyone to lose an arm or a leg. If there is no money at home, there is no way for everyone to continue to do **** in the future.

But now there is an additional guarantee, which can allow everyone to get a subsidy, complete the follow-up as soon as possible, and minimize the damage to the whole family.

Of course, it is useful, when your body is damaged, you can get some compensation, and you can also reduce your financial burden, the effect is very obvious.

I think insurance is very useful, we will have all kinds of accidents in this life, buying insurance can guarantee our economy, even if there is any accident, the insurance company will compensate.

In particular, when there is any problem, you can get a good compensation, and you can also get a good reimbursement, which can help you save a lot of money.

1. If you can not buy the commercial insurance of the major insurance companies, try not to buy it, because we don't know how deep the insurance company's routine is.

I once almost bought an insurance company's endowment insurance, at that time I didn't know that I had been deceived, under the continuous promotion of the bank staff, I chose to buy a wealth management product. At first, I thought it was a product launched by the bank, but later I found out that it was an insurance insurance launched by an insurance company, and I chose to buy it under the constant persuasion of the bank salesman. But when I got home, I looked at the electronic contract carefully, and found that it was not consistent with the salesman's story, so I chose to give up the purchase decisively and cancel it immediately.

Second, the medical insurance and endowment insurance issued by the state can actually be purchased, because they have basic security measures that can guarantee the basic life of the people.

The medical insurance issued by the state must be purchased, because it is not expensive, but it has sufficient protection. When we buy medicines and go to the hospital, we can basically use the medical insurance card to pay, which gives us a lot of support and convenience to a certain extent. The pension insurance implemented by the state, you can choose to buy it or not, because it is a long-term investment product, and the return on investment also needs to take a long time to get, so everyone can buy it according to their own economic situation.

Third, some people are reluctant to buy insurance, because the initial investment is too large, and there is no return for a long time, we can not rule out that there are some routines in insurance that we may have been deceived.

Nowadays, people are reluctant to buy insurance, most of them think that there are too many insurance routines, especially all kinds of insurance salesmen, who will promise you all kinds of situations in the early stage, but in the later stage, after buying insurance, they really want to be reimbursed through insurance but find that they can't be reimbursed at all. And this is not just one or two times, but many times, which causes most people to be reluctant to believe in insurance, believing that even if they buy it, it will not work. Excludes vehicle insurance.

Because some people feel that this is not necessary, and it is difficult to come in handy, they are reluctant to buy insurance, feeling that it is a waste of money.

I think it is very necessary to buy insurance, because it is a guarantee for our personal safety, and the reason why some people are reluctant to buy insurance is because some people feel that this thing is useless.

Should buy. Because those who don't want to buy are people who think that nothing will happen, they are too confident and feel that there is no need to spend that money, and nothing will happen anyway.

Should buy. Because they always feel that the insurance is a fraud. But in fact, it is a way of investment and financial management, with low returns, but also low risks.

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"