Is insurance useful? Is it useful to buy insurance?

There are many people who think that insurance is a deception. We analyze the problem from the end of the result, a person said that insurance deceives people, there may be two reasons, one is to hear, and the other is to experience it personally. If you hear about it, there is no need to carry this pot with false rumors. Then it's the second one.

The second is also divided into several situations, first, there is no claim, and second, the income is not as high as expected or it is difficult to realize.

One is for the medical treatment of diseases, because the claims conditions of medical insurance are written in the contract, and some customers cannot see them all because of too many contract terms when buying insurance, resulting in not meeting the claim conditions and feeling cheated.

The second refers to the annuity income category, where the demonstration interest is high when buying, and the actual income is not reached or there is a quota restriction in the withdrawal process. I feel like I've lost it.

Of course, there may be other situations, but I'll just pick out most of the ones that come up regularly. In addition to cancer, other critical illnesses are paid out with corresponding compensation conditions, and they should be explained to customers before applying for insurance, especially if the customer has a family history, and the claims conditions for critical illnesses that may be caused by this disease should be clarified.

Regarding annuity income products, customers must be optimistic about the rate of return written in the contract, which is your exact guaranteed income, and the annual financial income of the insurance company's public interest rate, which can be expected to change, as an insurance person, we must explain to customers the functional significance of the insurance annuity, if it is expected to bring a high rate of return to customers, even more than some bank wealth management products, this is unrealistic, However, an insurance annuity is a definite and stable lifetime of definite income, and it has the legal attributes of its designated asset inheritance. So insurance is not deceiving, it is a good economic lever, an effective legal tool. While selecting insurance products, you must also meet a good person.

A story that fully embodies the importance of it (insurance), with it and without it, there is a world of difference, without it, we can go bankrupt and go into debt, and with it our lives will not be changed by illness or accidents.

I think it's still useful to buy insurance.

In this world, people will have risks all the time, not only the risks caused by accidents, but also the various diseases in our lives due to irregular life, irregular diet and some effects of the ecological environment.

Especially now, many people suffer from some diseases that only middle-aged and elderly people can get at a young age, because of irregular diet and rest, such as diabetes, high blood pressure, gout and so on.

Therefore, it is particularly useful to buy insurance, but in my opinion, it is still necessary to decide what kind of insurance to buy according to the specific situation, if the conditions are average, you can consider buying medical insurance first, so that you can lose money when you are hospitalized or see a doctor, reduce your own pressure, and if the conditions are better, you should consider buying critical illness insurance and supplementing a hospitalization allowance insurance.

If you work outside and often run outdoors, you should buy an accident insurance to ensure that your various accidental injuries will not affect your living conditions at home.

Finally, there are all kinds of life insurance and financial insurance, this kind of insurance can actually be bought or not, this is according to their own conditions, if particularly rich people want to make money live, you can invest part of the money in insurance. In other cases, it is not recommended to buy financial insurance, as long as the protection is complete.

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!

I believe that many people know that insurance can avoid risks, in addition to the main role of risk avoidance, the benefit of insurance is that it can also help us manage wealth and compensate for economic losses.

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 diagnosed with a disease, it will cost two or three hundred thousand, and even higher if it is in a first- or second-tier city. If you already have a million medical insurance policy, except for the part that has been reimbursed by social security, the remaining ** fee can be reimbursed with million medical insurance.

With a premium of a few hundred yuan a year, you can buy a limit of several million, which can play a great role in reducing the loss of medical expenses, and it is also suitable as a "life-saving insurance". In addition to the above points, basic protection alone is not enough, some million medical insurance will provide more practical value-added services, such as: medical advances, green medical treatment, purchased drugs and so on.

If you are interested in medical insurance products, you may wish to take a look at this information: the top ten million medical insurance rankings are newly released!

If you buy medical insurance, most of the medical expenses can be reimbursed later, but for most patients, it is difficult to continue to work normally during the critical illness period, so one of the benefits of purchasing critical illness insurance is to make up for the loss of income caused by the disease. In the unfortunate event of a critical illness, the insurance company will pay a sum of money to the insured person, which can cover the family's daily expenses.

In addition to compensating for the financial losses we have suffered, insurance also has a wonderful role to manage our finances. Living in this era of full consumerism, the idea of saving money on a regular basis by controlling material desires is not practical, and if you want to save a sum of money, you can use an annuity insurance with a mandatory savings function.

On the other hand, as bank interest rates continue to fall, consumers will likely lose money, and obtain fixed income from annuity insurance to avoid negative interest rates and inflation, making our money more worthless. If you want to know which annuity insurance is worth buying, take a look at this information compiled by the senior sister for you: Want to buy high-yield annuity insurance?

Don't miss out on these 10 again!

The idea that providing a cover is something that insurance can do, is true but not comprehensive. In addition to being able to transfer risk to the insurance company, insurance can also help us reduce losses, and allow us to work and live with more peace of mind, without worrying too much about future risks that will put families back into poverty overnight.

With compulsory savings, insurance also allows us to actively save a sum of money every year for our children's education or our own pension.

There are four types of insurance that are really useful: 1Million Medical Insurance. 2.Critical illness insurance. 3.Accident insurance. 4.Term life insurance.

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.

Hello! On the whole, the significance of insurance for individuals lies in the fact that people estimate and protect the risks of accidents, medical treatment and even pension that may occur in the future according to their current economic ability level. As far as the specific role is concerned, it is roughly manifested as: medical treatment for the sick, support for the elderly, etc.

As for how to choose personal protection, it is recommended that you follow the following procedures to make a choice:

1. Analyze your own insurance needs, according to your age, occupation, economic ability, current protection status, etc., analyze what risks you will encounter in your daily life, whether you have protection, and then make targeted choices. The risks encountered by ordinary people generally come from: accidents - health - pension, etc.

2. Analyze your protection needs and choose the appropriate type of insurance. Follow the principle of first protection: social security - accident insurance - medical insurance - critical illness insurance - life insurance - pension insurance - financial insurance, etc.

3. Understand the insurance products of each insurance company and choose the right insurance company. Mainly pay attention to whether the insurance product is suitable for you, the insurance company's outlets, services, brands and other factors.

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

Very much to use!! Think for yourself.

1. Provide necessary protection: insurance can provide protection for common accident, health, death and other risk factors, which can reduce risk losses and effectively resist risks;

2. Carry out risk planning: Individuals or families can use insurance tools to plan their lives and transfer possible risks in advance;

3. Reasonable allocation of funds: insurance has a certain investment nature, and can be passed on by designating beneficiaries, which is a tool for allocating funds;

4. Leverage: Insurance can exchange a relatively small premium for a higher sum insured, which is leveraged and can enable the insured to obtain better protection.

Hello, how old are you to consult about insurance?

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

Insurance is a type of insurance that takes people's life and body as the subject of insurance, which can allow us to deal with accidents and risks in life.

The premise of risk avoidance is to buy the right insurance, if you want to know more, you can check out this article:Dry goods integration understands the truth, why is it just to buy the wrong insurance? Daddy teaches you how to buy insurance to save money

Insurance is to provide for old age, medical treatment when sick, and treatment for accidents. There is something to be left behind for the dead and something to rely on for the remnants. It is not to get rich, but to avoid becoming poor due to unexpected illness and old age. Insurance is not meant to change lives, but to prevent lives from being changed.

1. Transfer risk and share losses equally

To buy insurance is to transfer one's own risk, and the institution that accepts the risk is the insurance company. The insurance company accepts the risk transfer because it is an insurable risk or because it is simple and difficult to follow in a regular manner.

By studying the contingency of risk to find its inevitability, grasp the law of risk occurrence and development, and provide insurance protection for many people who have risk concerns.

2. Implement compensation for mortgage loans and investment income

The apportionment of losses is the premise and means of compensation, and the implementation of compensation is the purpose of apportioning losses.

Daddy suggests that friends with conditions can be equipped with 4 major types of insurance to give themselves the most comprehensive protection.

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The biggest role of insurance is to prevent the insured from falling back into poverty due to certain accidents, including serious illness or injuries caused by accidents. For example, if the insured unfortunately suffers from a critical illness after taking out critical illness insurance, then he can get compensation from the insurance company, and he spends less money, and insurance is still very effective in this regard.

In normal times, many insurance companies have also launched pension insurance, and the insured can receive a certain amount of pension insurance on a monthly or annual basis after reaching a certain age. However, such insurance requires the insured to pay a certain fee on a monthly or annual basis, and such insurance has a great effect on the pension.

Nowadays, there are more types of insurance, and policyholders can also increase their wealth by purchasing insurance, from this point of view, insurance has a relatively strong financial management role. The wealth management insurance launched by insurance companies generally requires the policyholder to insist on investing for a long time, and it cannot be interrupted in the middle.

It is best for users to use the spare money at home when buying insurance, so that there will be no burden on the family. If the amount of the premium is relatively large, the user can reduce it appropriately, so that it will not affect the normal life. Buying insurance gives priority to older people in the family, so that insurance can get the most out of it.

1.Accident insurance. 2.Medical insurance. 3.Critical illness insurance. 4.Life.

Is pension insurance useful?

Insurance is certainly useful, and it is inevitable that people will encounter unexpected accidents in their lives.

Be careful not to be misled by the salesman. Although in terms of amount, if you pay 100,000, you can get 150,000 or even higher after a few years, but is it equivalent to earning? Think about it, in fact, 100,000 yuan now may only be equivalent to 80,000 yuan in a few years, so it is not necessarily earned.

Of course, there are some investment-linked and interest-rate-linked products, such as investment-linked, universal, etc., which can outperform inflation, but in fact, there are still risks, such as investment-linked, and all the investment risks of dustworms are borne by the customers themselves. If you are conservative, you can choose participating insurance, but the participating insurance companies also have a certain amount of greasy.

Therefore, it is good to be insurance conscious when buying insurance, but you must first think about whether it is suitable for you. If you are still young now, then you must buy accidents and critical illnesses first, if you have a certain amount of funds on hand to buy pension, then I suggest that you can buy some universal pension insurance, pay attention to the combination of the investment market and compare, those who say how old there is an amount of return, many times are the salesman's words, must keep a clear mind. However, once you decide to buy it, don't surrender it easily, otherwise you will only have a cheap salesman to get a commission.

First, it does not co-ordinate and is completely attributable to the individual.

All individual contributions and subsidies for resident pension insurance are fully deposited into personal accounts.

And depositing into a personal account means that this part of the money will be divided into 139 to participate in the pension calculation. If you die before you finish it, the remainder will be returned. It can be said that it is the "capital preservation" that we are familiar with.

Second, it will also increase in value over time.

Money in personal accounts also accrues interest, and the current rule is based on the interest rate on one-year fixed deposits.

After retirement, the basic pension part will be carried out every year like the employee pension. In addition to the general increase, most regions have introduced the mechanism of calling the elder brother to pay more than the lead, which is increased according to the number of years, and is linked to the life expectancy, and is issued for life.

There is a saying that "social security can be paid less, but there must be one." ”

If you don't meet the conditions of employee social security and good conditions, or are tired of the risk. It is advisable to pay this risk-free resident pension insurance in the place of household registration and can guarantee lifelong enjoyment. The payment grade can also be selected according to their own economic conditions, with a minimum of one hundred yuan per year and a maximum of several thousand yuan per year, which must be more in line with the pension positioning than the deposit bank.