Why do people have to buy insurance now, kneel down and beg for specifics and comprehensiveness, beg

There are two basic purposes: one is to ensure the security of one's own income, and the other is to ensure the financial security of one's family. A lot of people know about it"People have good and bad luck"but rarely seriously think about how to deal with misfortune in the event of misfortune.

Whether it's age, illness, or accidents, it can cause you to be unable to continue working, which in turn leads to a loss of income, and puts all those who depend on your income into financial and life difficulties. The most important function of buying insurance is that it can provide you with financial security and help you maintain a stable life for yourself and your family even if you lose your income (for any reason).

The four main functions of insurance:

1. Guarantee function.

The most basic and important function of life insurance is "protection". Whether it is suffering from illness or an accident, it can take a heavy toll on the family's finances and increase the burden. For the sake of yourself and the whole family, you should build a security barrier in advance.

2. Savings function.

There is a commodity called "savings insurance" in life insurance, which is paid regularly every year, and the survival insurance money is received every few years during the insurance period or after the expiration of the insurance period, and the beneficiary can also receive the insurance money back after the death of the insured. This is the application of the concept of savings to the payment of premiums.

3. Investment function.

Insurance and investment were originally well water and river water, but after the emergence of investment-based insurance, the combination of insurance and investment functions has made insurance products more flexible and diversified.

4. Tax-saving function.

At present, China has not started to levy inheritance tax, but this is a development trend. In developed Western countries, inheritance tax is generally levied. Therefore, many people adopt the method of purchasing high-value life insurance and identifying the beneficiary as the heir of their estate.

In terms of personal income tax, savings are subject to interest tax, and stamp duty is payable. Only the income from buying insurance, whether it is fixed income or dividends, is not taxable, saving investors a sum of money every year.

People, if they don't buy insurance, are tantamount to running naked in this society.

Buying insurance is to resist risks, and now it is so expensive to see a doctor in the hospital, in case you get sick, you can make a claim if you buy insurance.

In this way, it is safe and will not cause a disease to drag down the family's economy. Nowadays, there are many types of insurance.

For example, there are critical illness insurance, property insurance, and some investment dividend insurance. For details, you can go to the insurance company to find out.

For example, Ping An insurance, life insurance, etc.

If you have money to keep in the bank, the interest is less. Raise your children, the return on investment is low. Let's buy a house, there is not enough money.

Think about it, or buy a social insurance for yourself, and when you are old, you have to rely on and protect to reduce the burden of **, and also contribute to social harmony? I don't know if there is a return on investing in my children, whether to support myself or not? Are banks still afraid of RMB depreciation?

Besides, this is also the trend of the times, ** advocacy, only make money and not lose money, so the reason why they want to buy insurance.

1. To protect people from the damage caused by any accident at any time and place, so as to avoid putting themselves and their family members who depend on them from falling into a desperate situation, and do not need to worry about the reduction of their own income or loss of earning ability;

2. In order to maintain financial independence and personal self-esteem in old age;

3. People do not have the privilege of refusing to get sick, but wise people know how to prevent it. Illness is not terrible, the huge medical burden is, and enrolling in medical insurance for yourself and your family is another benefit of avoiding major expenses;

4. When you are unable to work due to an accidental injury, insurance can provide a fixed family income, which is a benefit that other incomes cannot handle.

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

It is recommended that everyone have insurance for the following reasons:

1. In order to transfer the economic risk caused by critical illness.

Many friends should have heard of such a case: because of a serious illness, in the face of the high medical expenses required, they can only sell their property, and even more, because they can't afford the high cost, they can only sit and wait.

If you buy critical illness insurance, when the insured suffers from a disease covered by the contract and meets the conditions for claiming, you can expect to receive an insurance payment, which can help the insured transfer the economic risk caused by the critical illness. Celery imitation.

But it is not easy to buy an excellent product, if you have the idea of buying critical illness insurance, you can refer to this list, which are all products that are currently performing better: Top 10 popular critical illness insurance points worth buying!

2. In order to transfer the economic risk caused by death.

I believe that as the pillar of the family, what you are most worried about is how your parents and children will settle down if you fall down one day. After all, as the breadwinner of the family, they bear all aspects of the family's expenses, and if such people fall, the impact on the family can be imagined.

And there is such an insurance, its main role is to transfer the economic risk caused by death, which is very suitable for the allocation of family economic pillars, which is life insurance.

After purchasing life insurance, when the insured person dies during the benefit period, the beneficiary receives a lump sum of insurance benefits that can be used to maintain the normal expenses of the family.

That's all there is to it, and in general, insurance is necessary to provide us with protection in a given situation.

The senior sister suggested that you should allocate insurance as soon as possible while you are young, because the earlier you configure the insurance premium, the cheaper it will be when other conditions are equal.

Because risks are everywhere, people are born, old, sick, dead, and disabled in their lives, except for the problem of old-age care and other risks, we don't know what day will happen to accidental bumps, bumps, sprains, burns, scalds... Do it quietly... Hospitalization for moderate to cold fever, acute appendicitis resection, hospitalization...

It is so big that it can cost 100,000, 200,000, or even millions of major diseases

Even if all this is not encountered, then there will definitely be one of the biggest problems, that is, pension! Shoubi Nanshan is not necessarily as blessed as the East China Sea, only if you are ready with enough pension can you be as blessed as the East China Sea!

Therefore, everyone needs insurance Insurance, when there is no risk in ordinary times, when saving, once the risk occurs, the high cost can be borne by the pure slag insurance company If we have a safe life and no accidents have happened, the saved money can be used as their own pension, or it can be left to their families Such the best of both worlds, of course, is a necessary choice for everyone!

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