Do you think the insurance is worth it? Can you tell us why?

You never know which will come first, accident or tomorrow, so no matter how the insurer sells, take the initiative yourself, now it is very convenient to buy insurance online, and you can shop around, why not try it early?

The traditional ones can be bought. However, most of the types of insurance are pitfalls. Therefore, the common people are very disgusted with insurance, and even resentful!

The vast majority of insurance deception is due to the concealment of the terms of the sales explanation, and the explanation is not in place. I had just bought insurance, and I was only going to buy it for my children, but through learning and understanding, I realized that only by protecting myself can I better protect my children, and finally decided to buy it myself. I don't buy insurance to listen to the promotion of insurance, I shop around, compare online and offline, look at online evaluations, online consultation, select two critical illnesses according to the economic situation, and then print the complete terms, carefully study, study and compare one by one, I know very well what is not insured, and I will definitely not say that this is not guaranteed and that is not guaranteed, insurance must be a lie.

When I decided to buy, my familiarity with the terms and the things I needed to pay attention to were certainly no worse than the sales. And in fact, I've studied more than she did. She also agrees that the product I like is better than what she recommends.

Therefore, I attach great importance to things that I am not good at, especially things that cost my own money, and I can't pin my hopes on others. It is really necessary to buy insurance.

It is safe to say that in addition to social security and medical insurance, other commercial insurance is not worth buying, and whoever buys it will be fooled. I have dealt with insurance companies for more than 20 years, and in 97 I bought a "life insurance product" with an annual payment of 4,100 yuan and a payment period of 20 years, and in 2017, I got back the principal of 82,000 yuan. This is still a good Chinese life.

Dealing with Ping An Life lost nearly 20,000 yuan, and the insurance company is a white wolf with empty gloves, so it is the safest to stay away from insurance, and Ping An is not safe in China.

Critical illness, medical and accident must be bought.

Actually, I don't think it's necessary to buy it, but when I usually buy some bus tickets, I don't choose to spend a dollar to buy insurance.

It is worth buying, it can bring you financial help in times of danger, reduce your burden, and ensure personal safety.

Personally, I think that insurance is still worth buying, that is, to buy a peace of mind for yourself, and when you encounter any trouble, insurance still has a great effect.

It is a hobby that can change their interests, and every time they want to play with their mobile phone, they can be allowed to divert their attention.

I think some insurance is still worth buying, after all, it is a kind of protection for our life and health, and with this kind of protection, we also have a sense of security, but some of it is useless.

I think insurance is worth buying. Because after all, many things will happen a lot of accidents, so after buying insurance, you can give yourself a double protection.

Of course, it is good to buy insurance, which can help us transfer risks, such as family losses caused by accidents, illnesses, etc. For ordinary people, insurance is the most cost-effective leverage tool to transfer risks, in order to prevent poverty due to illness, it is necessary to buy insurance to do protection, of course, the benefits of insurance are not only this.

Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

The function of economic compensation is the foundation of insurance, which can best reflect the characteristics and core competitiveness of the insurance industry. It is embodied in two aspects:

1. Compensation for property insurance: Insurance is to compensate for the actual loss within the validity period of the insurance, the scope of liability agreed in the insurance contract and the insured amount when a specific disaster occurs. Through compensation, the actual loss of existing social wealth caused by disasters and accidents can be compensated in value and restored in use value, so that the process of social reproduction can be carried out continuously.

Such compensation includes not only compensation for the economic losses caused by natural disasters or accidents of the insured, but also economic compensation for the economic compensation liability of the insured to a third party in accordance with the law, and compensation for economic losses caused by breach of contract in commercial credit.

2. Payment of life insurance: The insured amount of life insurance shall be determined by the policyholder after consultation with the insured according to the degree of need for life insurance and the policyholder's ability to pay, as permitted by law.

Hello answer, I am the answer in the financial field, "Talking about stocks and gold", I have many years of experience in finance and law, I have seen your questions, and I am sorting out the relevant answers for you, typing may take some time, please be patient, I will provide you with the most detailed answers within 5 minutes, will not reply to you, thank you!

Hello, dear, I am glad to answer this question for you, there are only benefits, there is no harm, the benefits of buying insurance are mainly to provide the necessary protection, risk planning, reasonable allocation of funds and leverage.

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. Therefore, it is necessary, dear, and I hope my answer is helpful to you! Thanks, 4 more

Instructions for use: After the coin, Brother Yangzi will protect you.

In fact, ordinary people should buy insurance, because compared with those rich, the ability of ordinary people to bear risks is lower, and once they encounter sudden events in life, it is difficult for ordinary people who have no power to resist risks. Why buy insurance? Recommended Reading:

Is it necessary to buy commercial insurance? This one tells you".

1.Insurance is a barrier for families

When there is a major accident in one's life and that of one's family, insurance is a barrier that can protect the family's original quality of life from being destroyed.

Since the elderly and children are vulnerable groups, the probability of diseases and accidents is relatively large, and once an accident occurs, the blow to the family is also relatively large.

2.Insurance hedges against risk

According to WHO surveys, only 20% of patients survive for more than 10 years in the face of major diseases.

Moreover, the cost of critical illness is huge, ranging from 80,000,100,000 to hundreds of thousands or millions.

In addition to their own illness, it is not uncommon for such a high price to make the family "poor due to illness", and insurance is essential in order to avoid risks.

3.Insurance protects against inflation

The income from the purchase of certain wealth management insurance is relatively stable, and some products adopt the method of increasing the amount of insurance year by year or pension year by year, which can basically offset inflation.

4.Insurance can reasonably avoid taxes

Since 1999, China has levied a 20% interest tax, for example, there will be a certain amount of interest income if the money is deposited in the bank, and this interest income also needs to be taxed, while the insurance beneficiary does not need to pay tax when he obtains the insurance money.

Insurance may play different roles for different groups of people, but in the end, insurance is always to play a role in protection, only when life is guaranteed, we can live happier and more at ease, isn't it?