Why do people buy insurance, and why do people buy insurance?

Because there is a risk, in order not to spend your own money, you use a small amount of money to apply for insurance, and when the risk comes, no matter how serious, the loss will be borne by the insurance company.

1.The significance of micro-insurance: insurance helps individuals or institutions reduce economic harms, enhance their awareness of risk management, ensure their timely recovery and transfer of risks when they are damaged, and are also conducive to promoting the balance of personal or family consumption and helping enterprises strengthen economic accounting.

Strengthening people's significance and function of insurance not only brings good development to individual development, but also has an impact on the development of the whole society.

2.The significance of macro insurance: insurance has played a huge role in ensuring social stability and promoting economic development and external development.

It can not only ensure the normal progress of social reproduction and actively promote the circulation and consumption of commodities, but also help balance fiscal and credit income, increase foreign exchange earnings, and enhance the state's ability to pay.

3.Financial compensation function. Economic compensation is the foundation of insurance, which can best reflect the meaning and function of insurance, which is manifested in two aspects:

Property insurance compensation and life insurance benefits. After a disaster, the insurer's timely compensation function is of great significance for resuming normal life and production.

4.The function of financial integration. The idle part of the insurance funds formed is re-invested in the process of social reproduction, and the insurer must ensure the preservation and appreciation of the value of the insurance funds in order to make the insurance operation stable, which requires the insurer to operate the funds, so as to ensure the possibility of the existence of financial integration and enhance the risk awareness in the financial integration, which is also one of the manifestations of the integration of the meaning and function of insurance.

5.The function of social management. The process of regulating and controlling the whole society and all links through the social management function of insurance is aimed at giving full play to the functions of various systems, departments and links, so as to achieve harmony and stability in social relations.

6.The transfer of risk does not mean that the disaster accident really leaves the policyholder, but that the insurer uses the financial resources of everyone to compensate the policyholder who has been damaged by the disaster, which is actually to share the loss equally among the policyholders with the same risk.

7.The apportionment of losses is the premise and means of compensation, and the implementation of compensation is the purpose of apportioning losses. In addition, some life insurance products not only have insurance functions, but also have a certain investment value, that is, if no insured event occurs during the insurance period, then when you reach the benefit period, you will not only get more insurance than you have paid in the past, but also have other benefits other than the principal.

Therefore, insurance is both a guarantee and an investment income.

Each of us needs a security, whether it's work, life or family.

Because risk is everywhere. So insurance is important.

Insurance is actually a good protection. Save the money. I use it when I need it urgently.

1. Because risks are everywhere, people are born, old, sick, dead, and disabled in their lives, and we don't know when other risks will occur except for the problem of pension. For example, accidents and diseases are difficult to occur. As far as accidents are concerned, although the rapid development of modern means of transportation has provided people with a more convenient and comfortable journey, it has also caused more deaths and injuries caused by car accidents and maritime and aviation disasters.

2. As far as death and incapacity due to disease are concerned, 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 happen to us.

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