What do you think about life insurance? Your take on life insurance

It's very good, when you are sick, you have dignity, you have money to treat, and you can help reduce the burden on your family. It's just that most people don't see his role and don't know enough about it. If you really plan your insurance, you will transfer a lot of risks for your family.

In this day and age, there are fewer and fewer people who say that insurance is a fraud, and if you ask him to buy insurance, people will generally say, I don't have the money, wait until I have money. Therefore, people do not agree with insurance nowadays, and there are many deep-seated reasons and psychology; 1. It is impossible for everyone to buy your insurance; Second, always know that insurance is only a kind of family financial management, and there are more and better ways to manage family funds for his family.

3. At present, there are thousands of people in the whole city, including rural areas, who do insurance, and they feel that no matter who can do insurance, they give people a bad feeling.

Fourth, insurance lags behind the economy, as long as there is enough money, many people will consciously consider buying insurance. Fifth, in the development of insurance in foreign countries in the past 1200 years, not everyone in many developed countries has commercial insurance, and there are still many individuals who do not agree with commercial insurance, or do not want to buy commercial insurance, let alone China.

Sixth, the law of large numbers often mentioned in the actuarial system should also correct the working conditions of life insurance marketers, that is, among the vast majority of people, few people agree with and buy your life insurance, and you can only rely on slowly "accumulating" prospects.

Seventh, so engaged in life insurance work can not be in a hurry, to have the tortoise in the tortoise and rabbit race in the unhurried mentality, but never stop the spirit of visiting... In short, agree and understand, don't force everything; Only look for people who are destined for you. This is what people think and feel.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Truth 1: Whether you buy insurance or not, you are already insured, the difference is that you are insured with your own wallet or from an insurance company? If you are insuring your own wallet, once something happens, you will come up with tens of thousands, hundreds of thousands, or even hundreds of thousands of dollars, and if you are insured by an insurance company, then the insurance company will pay for the money.

Anyway, it's all insurance, so why not take out insurance from an insurance company and use someone else's money to protect yourself? The second truth: we are not selling insurance, we are helping customers buy insurance.

The third truth: insurance, not how to buy, not what to buy, but to know why to buy, when you know why to buy, you will know what to buy! The Fourth Truth:

Life insurance is not a product that only exists now, but in China's old-style family is to do the work of risk sharing, now the insurance company is just more organized, more scientific to implement the cause of benefiting mankind, life insurance is to do the work of risk sharing, we used to be a big family to live together, five generations in the same house, this itself is not insurance? The fifth truth: no one buys the wrong policy, no one buys the wrong insurance policy, the wrong thing is not to buy any policy from any insurance company.

The sixth truth: whether you buy insurance or not, every day there will be people who buy insurance, every day people will get claims from the insurance company, every day there will be people who refuse insurance, of course, there will be people who regret not buying insurance, if you want to know whether the insurance is good or bad, you go and ask those who are lying in the hospital, is the insurance good? You also ask widows, orphans, the elderly, the disabled, if they are well insured?

And the reality is, is the hospital just for someone else? We may also have the day of hospitalization.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Life insurance is a kind of life insurance, referred to as life insurance, life insurance: life insurance with the life of the insured as the subject of insurance and the survival or death of the insured as the payment condition. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium.

Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

When an insured accident occurs in the life of the insured, the insurer pays the insurance premium. Originally, life insurance was intended to protect against the financial burden that may be caused by the death of an unavoidable person, but later, a savings element was introduced into life insurance, so the insurance company would also pay the agreed insurance benefits to those who are still alive at the end of the insurance period. Life insurance is a kind of social security system, which is an insurance business that takes people's life and body as the insurance object.

In life insurance, the two most common types are term life insurance and whole life insurance. Life insurance is mostly based on the death of the insured, so life insurance is bought for the family in order to leave a sum of money to the family after the death of the insured, and provide financial security for the subsequent life of the family on behalf of the insured.