Some years ago, when one of my very and friends come to a conclusion --- the insurance company has refined than the monkeys, you want to make a profit, it can no way!
and insurance companies dealing with a long time, around my advice to buy insurance to more and more people . Oh, indeed, buying insurance want to make money is more difficult. However, as the actuary is not an easy thing. not only an examination for two years, and, back and forth more than a decade to pass the exam up to the door, through rate of less than 40%. so difficult hardships to become an actuary is used to develop a variety of insurance products the insurance company. Thus, one can imagine, insurance companies, technical education's conversation. buy insurance do not want to make the real reason for this is --- if you really make it, it may be a bolt out. buy insurance to make the most common scenario is that place Peifu. However, that time is not disease and even death is an accident and wanted to ordinary people not be willing. now that is so, why buy insurance? it was to talk about the origin of the insurance.
insurance is a typical imported goods, from abroad. The insurance and from abroad, the early co-operative. cooperatives that are out of money to each other, syndicates, the establishment of a fund. Once the circle of a person into trouble with the fund's money to help him through. time long, more and more people involved in cooperatives, insurance companies has become the prototype of the early, but the true meaning of the insurance has not changed. For those who participate in this game, buying insurance is to buy a worry. but once received of help that is unfortunate. did not accept help, then used his own money to help others, is a happy man. insurance is not making money.
insurance is not a profitable tool? It is clear that For this problem, almost every policyholder would like to get a view. In short, protection of life and life-long regular class life insurance policy should have little money; universal insurance policies have some of the investment function; and simply buy investment-linked insurance is to buy a fund. how to make a policy of balance between protection and investment to be a difficult technology to life.
insurance is not a short-term money-making tools to be able to profit
Obviously, as a financial One of the three tools of insurance, it is, and the banking, securities finance co-existence of one of the means. Because of its far lower than the risk of securities and therefore would never yield than securities. So insurance is not a quick profit money-making tools, and more short-term profit can not be.
hand, if let short term funds in the accounts of insurance companies and out above, the insurance must be able within a short-term . because the insurance requirements of the protection of insurance company funds instincts, sound and long-term in nature, acts of any short-term and out of the insurance companies will increase operating costs. consequential losses will be many, this is the surrender of the short-term almost all will have a significant loss of the important reasons,
concern because long-term financial planning living arrangements, by achieving the financial freedom to implement various stages of life goals. and these requirements are needed long-term stability, while insurance is just a long-term financial effective way.
insurance is not a means to riches, but the insurance is a difficult subject of money-making tool control
we know the current average yield of social investment in a few tens of percentage points that range, while the obvious contrast with it: the insurance benefit can be achieved up to a few times or even hundreds of times.
example, Janny policyholders only pay the premium of the first quarter of 4000 yuan to tragic accidental death, she The family can be nearly 300 million claims management. Some people think it is a means to riches, in fact, more can be understood as our human risk of accidents in the management and processing time of a itself is difficult to control by others, so the insurance is not subject to human control of a money-making tool, and its consultants to balance the benefits and protection of our expectations
by the above analysis, it is easy to see insurance cover instinct yield far greater than the insurance function derived from the investment. And every one of us ordinary people in the consumer insurance , are among these two functions need to find what you value, or that the need to seek a balance to take into account the protection and benefits.
if only single-handedly, in fact, difficult to accomplish such a ;. these need professional financial advisers, based on the consumer's psychological endurance, character, attitudes and risk preferences jointly identified with the insured.
current urban white-collar workers buy insurance, seventeen errors
a】 【Mistakes served only in the unstable business people and freelancers, and only need to purchase commercial insurance. middle-aged civil servants and public institutions of social security, and then purchase commercial insurance is a waste of
correction】 【Although civil servants and public institutions Programme staff in other industries with more stable than income and basic security, but security is still an important business of the the greater the proportion of reduction in the level. because many benefits are matched with the job, can not enjoy the benefits after retirement. and if we bought a gradual repayment of principal as soon as possible to honor the commercial insurance, to retirement, fear and loss will be quite small .
is widely covered by social security, requires an individual pays a certain proportion of the social health insurance. part of social health insurance needs of commercial health insurance at their own expense the necessary supplement; if the class of commercial subsidies to purchase health insurance hospital, the hospital can be a certain amount of subsidies Social health insurance reimbursement to make up the shortfall. social health insurance fund in co-ordinating the application of the provisions of the highest paid usually limit the application of the drug also has certain restrictions, such as the number of sudden severe illness, only a basic health insurance coverage medicines, and other medicines are at their own expense. At present, many insurance companies launched a major illness insurance is confirmed that payment of the insurance, so that the insured person suffers from major diseases at the same time, can be a substantial As a life-saving health care costs money. most of the pressure of medical expenses commercial insurance on the line correction】 【
old saying goes: the nest, For what eggs will survive? If only the children with insurance, once as a family, renew it? On the contrary, if the rational use of insurance investment in middle age, if parents meet any eventuality, is that children will benefit premiums (which can be designated the child as beneficiary). Meanwhile, the insurance also bear part of the endowment function. Now, we should gradually move from the idea of raising children for old age pension old-age pension insurance changed to.
】 【more than three errors the insurance money, of course, paid off the way selection correction】 【
insurance and loans to buy a house, the choice of cost-effective way to do it? most of the insurance company provides the insured the premium paid if the half-way stage a sickness or a need to meet the policy liability insurance pays for, the future premiums can be exempted, but once the insurance is paid do not enjoy the rights and interests. However, the longer the payment period is not good. now middle-aged greatly in the career earnings of variables, as much as possible when working on the right track purchase insurance, in the relatively stable cycle insurance, critical illness insurance and life insurance, are more cost-effective to buy sooner, because insurance companies do plan, age is an important lever. It is based index of all ages and serious illness, chronic index, index of hospitalization and rehabilitation to improve the index entry level, and thus avoid the risk. For example, you buy insurance at age 40, the case, it will be in the amount of pressure to the minimum payment.
buy insurance only rainy day, there is a problem until the body re-insurance, the insurance company will certainly be turned down to you; even critical in the pathogenesis of you lucky enough to buy insurance claims may not be - the death of superstar Leslie Cheung and Anita Mui's re-insurance illness insurance is too late because they have bought, still exemption period, but did not get the expected benefits from the insurance company.
【 ],[, but also to young people has brought great challenges and pressures. Some career to concentrate on white-collar work in the forgotten ease mental fatigue; some of the young white-collar workers busy work to develop bad habits such as overeating, tobacco alcoholism. These will be the direct result of confusion in neuroendocrine function, metabolic dysfunction, and their decreased immune function, thereby reducing the body's ability to resist the growth and reproduction of cancer cells, susceptible to cancer. there are indications that China was about 70% of the sub- health, mental engaged in research work is the most vulnerable people into one sub-health state. career white-collar work under pressure, as soon as possible to buy a suitable class of business insurance medical illness is undoubtedly a wise move, because younger lower rates sooner have protection.
six】 【Mistakes insurance as investment money fast
】 【correcting some white-collar workplace preferences aggressive investment approach, as long as the total like cash investments and returns rate-linked. But the advantage of the insurance is not the level of investment yield, but in its support functions. It is like the foundation of financial pyramid, young white-collar workers only for their own good enough for the protection, other financial planning is possible come true. If you do not lay this foundation, all the venture capital would be the air attic, once the collapse, the consequences would be disastrous. as long as the premiums paid within a reasonable percentage of income, on your overall investment plan will not have any effect. < br> Seven】 【errors have on the illness, to buy the insurance also treated bad, boring
】 【correction to the current level of medical technology is concerned, some major disease is still no cure, but effective, aggressive treatment can at least extend the lives of patients, especially early detection and early treatment. to cancer, for example, early detection and early treatment can reduce one third of the mortality. Moreover, every patient has an instinct for survival, each patient's family will not leave anyone to die, with the critical illness insurance protection, the risk borne by insurance companies, family members do not have the funds for the financing of medical treatment to use bank deposits or to borrow. In a way, the insurance is to allow yourself to get a the opportunity to regain health.
As technology advances, we have to be prepared for the disease will no longer be medical technology, but the medical expenses. a short period of ten years, has a terminal illness is over, and As long as the money, we can choose first-class medical technology, first-class medical services, first-class care. why do not we think, in his youth, resist the temptation of some unnecessary to force their own survival against risks able to save a money?
eight】 【accident too casual errors, fail to get their correction】 【
some people think, to spend hundreds of dollars a year is too uneconomical to buy accident insurance, the world is so big, how can there be so many of the accident, even if the accident does not necessarily turn. This is a luck, accidents are sudden and objective accident, it is not the individual's will, which when visited, who visited to the head, anybody's guess. it is precisely because the probability of accident and its uncertainty has, we should buy accident insurance. Insurance is a loss-sharing accident, a financial arrangement, it has a for the public, all as a person received considerable economic aid, in the spirit to give a certain degree of comfort.
everyone needs insurance, but many people are like an ostrich, his head deeply buried in the sand, that would not be in danger the. tend to have a lot of people out in the open only after the pathological diagnosis calls, advice on insurance matters, we can only say I'm sorry, you are now spending more money can not buy the insurance of the ...
【 ],[economic sources, and insurance play a security role; and for rich people, mainly the role of insurance has the property of their preservation. a doctor if need 10 million, even if money is no problem. However, if the insurance is only used in 2000 element can solve this problem, why not retain the 98,000 yuan? We came into the world is not easy to accumulate wealth, should take one of the most effective way to preserve us in exchange for their labor with the sweat is. Insurance is the current human summed up the most scientific method of preservation of property, it can not only transfer the risk to bring to our daily economic losses, but also tax-free, many of the world's wealthy have huge insurance to protect their life and wealth value.
】 【Ten Mistakes insurance money in the bank as the correction cost-effective
】 【bought hanging blue eggs in several years, put together to prevent falling in case all the broken basket . in the world there are many ways for people to choose finance, the money in the bank's main benefit is the security and access to convenient, of course, the savings can add up to flexibility, but only the principal and interest out of time and, if the half-way if there is an accident savings not only the savings plan may be interrupted, it may make all the savings for emergency and become nothing; insurance, in particular, both the savings function of long-term insurance, as well as the role of risk transfer, often only pay a small premium Once at risk, will be a significant amount of insurance. In addition to our pension plan, if adopted methods to achieve savings banks have some difficulties. saving them ten years or even decades, because the temptation to add to the market easy access savings, pension plans are likely to die on the vine; insurance is targeted, earmarked, with some mandatory savings measures that can help us complete the pension plan.
November】 【buy insurance errors money into the stock market speculation as a correction】 【
economic experts have repeatedly warned us, family and personal investment must be based on the principle of safety first. play the stock market is speculative, the results of three: profit, capital preservation and losing money. profit of course very happy, guaranteed equal work blind delay, if Peidiao capital loss is significant. might as well have insurance, weaving a safety net for the economy after the stock market on the flame again. In fact, buying insurance and play the stock market does not contradict, but family financial management of the two methods Bale. as long as the thoughtful, family and personal property for preservation and value-added would be helpful.
】 【Mistakes second person to die sooner or later, buy insurance What's the use?
correction】 【Yes, each of us is dying. death is simply the way are the following:
1) die a natural death: This is the most perfect human beings die. Unfortunately, this species were too few.
2) Suicide: This is the human face of distress, the most helpless attribution.
3) Accidental Death: This is the outcome of humanity's most tragic, because when he died suddenly thought died.
4) disease death: sudden attack of a serious illness to death to be it, most people tragically disease ravaged miserable. all your savings or debt, the last being tortured to death. People live I, alive for good money to see a doctor to save lives; after the death of their loved ones left behind do not give a ass debt. There are some people that even live out the emotional and moral.
【Thirteen】 risk of errors is accidental, then what happened Let me catch up?
correction】 【relevant statistics show that some of the risk of causing the death of a few thousandths of occurrence probability, it looks great chance. However, for each of us personally, This is the stand sits a few thousandths of death, no stalls are living, life and death each fifty percent probability of fact, who knows who will be unlucky? The world is not something we can decisions, for example, we go on the road properly, there is drinking too much alcohol on the driver of the car to the sidewalk to the top of the wall of people, bother anyone, is not such an old saying in it? disaster from the day risk of accidents on the way down fell on our heads. So not say who the lucky, who lives large. best buy insurance in case of emergency, so the event had gone, leaving nothing to the family no less.
Mistakes fourth】 【I am so young and not married, buying insurance do?
【】 people regardless of age, size of the correction, have had their childhood, are born to parents, parents have been through upbringing and care. We should always be With a thankful heart to face his own life; parental responsibility is to train our great state and society to become useful only; and our responsibility is to live happy parents, the world The most sad thing is that people who sent hair hair thing, when we suddenly encountered a contingency in case, how come your parents? If we love to design, prepare a report sufficient to support young parents also pay the cost of our the insurance of insurance, when we really go away if the time before the old man, beating the sad heart of the elderly are more comfort, Ye Hao economic level of living of the elderly will not let down.
【 ],[the future society will be more intense competition, there will not be big pot and free medical care, they will be ready to face the threat of unemployment, even if the children tried filial piety, I'm afraid helpless. Therefore, the future happiness of our lives whether or not all depends on how we to design.
】 【errors sixteen people are disabled, and take care of what insurance with?
】 【correction is indeed a sad suddenly disabled, but even more sad is the loss of the ability to work income after the break. this time is to rely on friends for assistance? social assistance? or drag the family? the front half of the savings run out? Do not use the insurance at this time it? only the insurance money is their own, and it maintains a disabled The basic dignity, but also can really solve some real economic problems.
Mistakes seventh】 【people do not buy something I worrying about?
correction】 【fact, a lot of people every day insurance, or China's premium income will not increase significantly each year. Insurance is like buying a piece of their own homes, like the family silver, the key does not need to look at need. In addition, there is an understanding of insurance issues, said White the future is how to deal with life's problems. people do not buy insurance, or other people also do not advise you to buy insurance, we must have a clear understanding. especially to remember those who exhort people not to buy insurance in the future when we place eventuality when it is not going to help any of us busy. do not believe you put the premium equal to the money to him, make him promise to you, that time something happens, look serious illness, retirement money all looking for him, he doing? So , weigh their own thing, to decide.
the above information is taken from (Yangcheng Evening News)
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