5 speeches on the meaning and function of life insurance

1. Guarantee of old age.

When people retire in old age, they have no normal income, but they still need to spend. If you don't have enough living expenses for old age, you have to continue to work in old age, earning every penny from your labor. However, the hardest money to make in a person's life is the money that has been spent in the last years of the wind.

If you spend the rest of your life like this, it will be miserable. Therefore, everyone must plan ahead for their pension expenses and buy life insurance when they are young to provide protection for their life in old age.

2. Coverage in case of illness and disability.

Unexpected sickness and disability can embezzle labor and reduce or deprive income without reducing expenditure. Purchasing life insurance can provide financial protection for the insured in the event of illness.

3. The cultivation of the virtue of saving.

Saving is both a means of preparation and a means of accumulation. As a preparatory measure, its role is to prepare for a rainy day. As a means of accumulation, it is the purposeful saving of money for the purpose of achieving a certain costly consumption in the future.

Human needs are hierarchical, and security needs are basic needs. A lot of people for the so-called"Safety", so that they dare not grasp better and challenging development opportunities. However, life insurance provides people with a sense of stability** and a greater sense of security.

5. Fulfill the responsibility to protect the family.

Insure family members when you're young and help them tide over difficult times. And life insurance, indeed, can help us do that.

Life insurance, that is, life insurance, is a kind of insurance that takes the life and death of a person as the object of insurance. It is a kind of insurance in which the insured lives or dies during the insurance liability period, and the insurer pays the insurance money according to the provisions of the contract.

Life insurance includes survival insurance, death insurance, and both. According to the term of protection, life insurance can be divided into term life insurance and whole life insurance. The popular universal insurance is also a type of whole life insurance.

First of all, the role of life insurance is to provide death protection for the insured. In the unfortunate event that the insured person dies during the insurance period, the insurance company will pay a lump sum death benefit. This money can provide financial support to your family and ensure that their quality of life will not be affected too much.

Life insurance, critical illness insurance, medical insurance, and accident insurance are listed as the four major types of insurance, each performing its own duties, and there will be no claims conflict. You can click on the following article to find out: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim?

Life insurance is divided into term life insurance and whole life insurance, and the biggest difference between these two types of insurance products is that whole life insurance can provide death protection for the insured for a lifetime, while term life insurance can only provide regular death protection for the insured. As for how long this period is, it can be guaranteed for 20 years, 30 years, 40 years, or until the insured is 50 years old, 60 years old, or 70 years old, according to the rules of the insurance period designed by the product design, and the policyholder and the insurance company agree. For more differences between these two types of products, you can click on this article to understand:

What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

It is also important to note that term life insurance is limited in terms of coverage, and if the insured does not have an insured event during the entire insurance period, the insurance company will not pay the insurance premium, and the premium paid by the policyholder will not be refunded (equivalent to a pure expense). Whole life insurance, on the other hand, is bound to be insured because the protection period is lifelong. It can be seen that term life insurance is more consuming, and whole life insurance is more financial (the final death benefit can be passed on as wealth).

In addition, there is also a type of increased whole life insurance in whole life insurance, which has a very powerful financial management function, and you can also understand it: what is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

The meaning and function of life insurance.

Life insurance is divided into two types: term life insurance and whole life insurance, term life insurance has the advantages of low premiums and high protection, and the payment of insurance benefits can also be exempted from income tax and inheritance tax.

The meaning of life insurance.

1. For term life insurance, its significance is mainly that when we are financially inadequate, term life insurance can protect our responsibility and continuity, no matter whether we live, live or die, our family can get the best protection. That's the benefit of term life insurance, and that's what all life insurance is all about.

2. For whole life insurance, its significance is mainly to provide lifelong protection insurance, generally up to the terminal age of the life table is 100 years old. If the insured person survives to the age of 100, the insurer pays the insurance benefit to the insured person or to the beneficiary specified in the contract. In contrast to term life insurance, whole life insurance pays benefits to the beneficiaries or legal heirs of the insured who are contractually specified in the death of the insured at any time before the insured reaches the age of 100.

About the function of life insurance.

There are two main functions for life insurance:

The first is the savings function, the reason why life insurance helps to save is because of the semi-compulsory similar savings behavior driven by the payment of insurance premiums, which helps you establish a strong willpower to complete your own protection.

The second is to help establish a stable life, with life insurance, the living standard of the insured is guaranteed, because there is no need to consider the cost of illness, children's education, and pension. Because of these expenses, there is no need to save, and if you want to save, you have to reduce the current cost and standard of living.

In the end, the meaning of life insurance is mainly to provide lifelong protection, and the functions of life insurance are mainly to save money and help establish a stable life.

Life insurance products are mainly based on human life, because life is impermanent, an accident can lose life, and the death of the family pillar, in addition to leaving a place of grief, will also have an impact on family life, so if you buy life insurance products in advance, you can carry out emergency and poverty prevention, and the living standards of your family will not be affected in the short term, so it is necessary to buy life insurance products.

There are responsibilities in people's lives. Such as supporting parents, raising children, etc., which requires time and money, is a heavy burden for some people, but now these burdens can be reduced, life insurance products give you time and money, help you take on these three responsibilities, play the protection function of insurance, and maintain a good family life.

There are many life insurance products, including term life, whole life, survival insurance, life and death insurance, and endowment insurance, and there are differences in the functions and protection content of different insurance products, so consumers need to understand in detail, such as the product can provide income protection, property protection, court liability protection and life value protection, etc., so life insurance products can ensure your life is happy.

Birth, old age, sickness and death are the laws of nature, people live in the world are born to die, and the cost of living, pension costs, funeral expenses, etc. often produce pressure on family members, life insurance can help you reduce pressure in terms of finance, so that your life is more happy, less sorrowful.

How to choose life insurance? Young people should know!

Life insurance, as the name suggests, is insurance about people's lifespans. Different from health insurance, it is a kind of life insurance that takes human life as the subject of insurance and the death of the insured as the insured accident. That is, if the insured dies or becomes totally disabled due to non-accidental reasons during the insurance period, the insurance company will pay a lump sum of the insurance benefits agreed in the contract.

Life insurance is generally divided into two kinds, whole life insurance and term life insurance, if you want to know which life insurance is more suitable for you, you can take a look at this in-depth analysis: "Whole life insurance or term life insurance, dad teaches you to choose this way".

1. Classification of life insurance

1. Whole life insurance

Ending in death or total disability, the term of coverage is not fixed, so the premium is higher.

2. Term life insurance

Generally, the term is fixed to 10 years, 20 years, 30 years, 60 years old, 70 years old, 70 years old, etc., the protection period is fixed, and the premium will be much cheaper than whole life insurance.

To learn about what cost-effective life insurance products there are, you can read this article: "Cost-effective term life insurance has these, there is always something suitable for you!" 》

2. How to buy? Who to buy it for?

1. Who to buy it for?

There is a principle: give priority to the allocation of family economic pillars. The death of the breadwinner of the family Total disability has the greatest impact on the family, and once the financial breadwinner of the family suffers misfortune, the family may fall into an economic crisis, and life insurance compensation can avoid this dilemma to a certain extent.

2. How to choose the sum insured?

If the current financial pressure is relatively large, you can choose term life insurance for 30 years or until the age of 60, and when the children grow up, the financial pressure is not so great, and you can directly choose whole life insurance if you have enough money.

3. Beneficiary

When it comes to death and total disability, identifying a good beneficiary can save a lot of trouble.

Disclaimers, Health Advisories, Occupational Restrictions

Generally, there are only 3 exemption clauses for better products, health notices will be more relaxed, and occupational restrictions are generally 1-4 categories.

Insurance is a financial tool, it is not born to make money, but to help us pass on risks, such as family losses caused by accidents, diseases, etc. For ordinary people, insurance is the most cost-effective leverage tool to pass on risks, and in order to prevent poverty due to illness, we need insurance to protect them.

Life insurance is based on the death of the insured as the condition of compensation, and the death of the person will be compensated, which is an insurance that embodies love and responsibility. Life insurance is divided into term life insurance and whole life insurance, and the functions of the two are different. Let's talk about the functions of term life insurance and whole life insurance.

1. The function of term life insurance.

1. It has the function of family security.

In a family, the most necessary configuration of term life insurance is the family economic pillar, life insurance is to protect the family economic pillar in the event of an accident, death or total disability, life insurance payouts, can replace the family economic pillar of the next few decades of income, covering the economic responsibility of the family economic pillar - such as family daily expenses, parental support costs, children's education expenses, housing loans, etc., to ensure that the family can live normally.

2. Term life insurance can calm the heart.

As the pillar of the family, there are old and low, and some people still have car loans and housing loans, and they experience a lot of pressure. Many people frankly say that they "can't afford to die", but more are afraid of dying, and their families are helpless. Term life insurance can bring peace of mind to the breadwinner of the family, and there is no need to fear that one day something bad will happen to your family and your family will be left alone.

2. The role of whole life insurance.

Tax avoidance, so that wealth inheritance is not discounted.

For wealthy people who have business assets to inherit in their families, whole life insurance can be used as a financial tool that is exempt from inheritance tax, and the claims of whole life insurance are not subject to personal income tax. For those who have a large amount of wealth to pass on, whole life insurance can play a good role in inheritance.

Debt avoidance, the policy is not affected by debt.

If there is a problem in the operation of the business, the whole life insurance taken out by the business owner can be exempted from liquidation when the assets are liquidated. At this time, whole life insurance plays a good role in debt avoidance.

Finally, to sum up: the role of term life insurance is mainly to pass on the risk of the death of the family's financial breadwinner, which is suitable for ordinary families. Whole life insurance, on the other hand, plays the role of property division and is suitable for very wealthy families.

First, the work aspect.

1. As the company's cashier, I was responsible for the company's compensation period, and I fulfilled my due responsibilities in the three aspects of collection and payment, reflection and supervision, and truly made every compensation error-free, providing customers with the best service and maintaining the company's image.

2. Adhere to the financial procedures, strictly review and calculate (the invoice must be signed by the handler, the acceptor, and the approver before the account can be reported), and the invoice that does not meet the procedures will not be paid.

3. After changing the post as the company's accountant, he actively contacted the relevant departments of the bank, and completed the timely entry and exit of the company's collection and payment in an orderly manner.

5. Actively cooperate with the leadership, check the financial vouchers of the day in a timely manner, do a good job in the daily settlement work and the bank adjustment branch morning noise table every month, and send it to the relevant competent departments in a timely manner.

Second, the aspect of learning.

1. Insisting on political and economic study has continuously improved my ideological and theoretical literacy. Pay attention to the relevant political and economic policies in work and life, pay attention to learning various economic laws and regulations related to work, and pay attention to the trend of the economic environment of the insurance industry.

2. Through the accumulation of daily work, find your own shortcomings, use your spare time to learn the company's terms, and enhance your understanding of the meaning and function of insurance, especially the company's marine insurance business and construction and installation engineering insurance business.

3. Learn from the business personnel and the issuing personnel, and master the general process of insurance application, underwriting and claims, as well as the receipt and use of general documents.

Summary. Hello dear, talk about your understanding of the meaning and function of life insurance, what I think is: 1. Meaning: When an insured accident occurs in the life of the insured, the insurer pays the insurance money.

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. For everyone, death, old age, disability, illness, etc. are all dangers in life, and we call them personal dangers.

2. FunctionWhen an insured accident occurs in the life of the insured, the insurer shall pay 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.

Hello dear, talk about your understanding of the meaning and function of life insurance, what I think is: 1. Meaning: When an insured accident occurs in the life of the insured, the insurer pays the insurance money. 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. For everyone, death, old age, disability, illness, etc. are all dangers in life, and we call them personal dangers. 2. When an insured accident occurs in the life of the insured filer, the insurer shall pay the insurance money.

Originally, life insurance was to protect the financial burden that may be caused by the death of the unavoidable, but later, life insurance introduced a savings component, so that for those who are still alive at the end of the insurance period, the insurance company will also pay the agreed insurance money.

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. For everyone, death, old age, disability, illness, etc. are all dangers in life, and we call them personal dangers. From the perspective of the whole society, there will always be some people who have accidental injuries, there will always be some people who are sick, and all kinds of dangers are threatening people's lives at any time, so we must adopt a method to deal with personal danger, that is, to give certain material help to people who are in personal danger and their families in the training period, and life insurance belongs to this method.