The development history of insurance is much shorter than other financial industries such as stocks and loans, but the income of the insurance industry is not inferior to that of these predecessors. . So, why has insurance achieved such great success, and why has the country provided such strong support? If you know what these words mean, you may understand. Let me tell you below.

Insurance Words 1. Everyone’s risk is different

Each family member’s personal risk is different, so the need for protection is also different. Although they are not the breadwinner of the family, the probability of illness or accidents does not decrease. You should also conduct a risk assessment and purchase insurance that suits you.

Competition in today's society is fierce. Although some families are wealthy, their model is often that one person supports several people. This person is equivalent to a driver pulling a cart, and the cart is occupied by the whole family. In order to improve the quality of life, the driver has to pull the cart uphill. If the rope pulling the cart breaks, the entire cart will slide downhill. It is also very stressful for the driver to bear the burden on the whole family alone. It is necessary to insure family members to spread the pressure.

Insurance Words 2. A well-off family may suddenly fall into trouble

There was once a well-off family that fell ill due to the illness of a family member. A tragic story that led to deep debt. In fact, we can often bear and deal with the losses caused by small risks, but often bring disasters caused by large risks, which must be solved by insurance. What's more, for the rich, why not use a little money to deal with possible sudden disasters?

Insurance Tips 3. To seek benefits and avoid disadvantages, you must take into account the house and car

As a major item of a well-off life, it is indeed one of the standards for measuring wealth. But goods can be divided into two types: one is profit-seeking goods, which are things that are usually bought, such as washing machines, air conditioners, houses, cars, etc.; the other is goods that avoid harm, such as security doors, helmets, insurance, etc., so The goods are needed by everyone.

Buying a house or a car generally costs hundreds of thousands of yuan, while buying insurance only costs a few thousand yuan, or at most tens of thousands of yuan, to protect your own interests of hundreds of thousands of yuan. It is not a life of the rich. Dispensable products have a higher purchasing priority than other products.

Insurance Talk 4. Social Security is a Sweater in Winter

Social Security is the social insurance insured by each unit for its employees. Of course it is very useful, but it cannot be used as a substitute for commercial insurance. . There is an analogy: In the cold winter, we may only need to wear a sweater indoors, but if we want to go out, we should wear a coat. Social security is equivalent to that sweater, which maintains the minimum protection; commercial insurance is equivalent to that coat that protects you from wind and rain, and is the guarantee of the quality of life.

For major diseases that pose the greatest threat to family wealth, social security cannot afford them, and only drugs within the scope of social security can be reimbursed. It is difficult for social security funds to be transferred to patients’ accounts immediately; while commercial insurance can What’s different is that as long as the hospital confirms the diagnosis, the funds will be credited immediately, and the scope of medication is very wide.

Insurance Tips 5. Keep the bottom line of family wealth

As long as some wealthy people have idle funds on hand, they will definitely buy some stocks or foreign exchange in order to maximize the appreciation of their wealth. Purpose. As everyone knows, high returns also breed high risks. Once you "miss", you are likely to lose your future livelihood.

According to insurance professionals, pension itself is a concept of earmarked funds. Once the funds used for retirement are invested in risky markets and used for other purposes, they can no longer be called pensions. In fact, family funds are also classified: some are used for cash payments, and some are dedicated to wealth appreciation. However, pensions must not be used easily. They are the bottom line of wealth that a family should maintain.

Insurance Talk 6. Consumer interests are guaranteed

With the development of insurance in our country, it has become more and more standardized operations. The interests of the insured can be said to be protected. In addition to the judicial authorities, the China Insurance Regulatory Commission and the Insurance Association work together to safeguard the rights and interests of consumers.

It is worth reminding that many customers’ complaints against insurance companies are misunderstandings caused by their ignorance of the insurance products they purchased.

Therefore, before buying insurance, you must remember two things: start with your own family situation and see why you want to buy insurance; carefully examine existing policies to understand the protection you have obtained, paying special attention to the exemption clauses.

The insurance terms clearly state the insurance liabilities and exclusions. It is actually very clear which ones are compensated and which ones are not. Be sure to compare the insurance plan or verbal commitment from the insurance salesperson with the insurance terms, and sign the bill only if there are no problems.

Insurance Talk 7. Hearsay is harmful rather than helpful

Many people have a herd mentality in their attitude towards insurance and are greatly influenced by their relatives and friends. In fact, whether you need insurance or not should be judged independently based on the actual situation of your family, otherwise you will end up being delayed. Someone once bought an accident insurance for 100 yuan. After the accident, the insurance company paid more than 2,000 yuan according to regulations. The consumer was not satisfied, so he complained loudly and made a relative at home who was just about to buy insurance give up the idea. Later, This relative was in danger, the family was in trouble, and it was delayed.

Insurance Talk 8. Insurance is different from ordinary commodities

Many people regard insurance as a kind of ordinary commodity. They can not only bargain for the price, but also wait to buy it when needed. This is really a fallacy. As a special commodity, insurance is almost impossible to find a temporary substitute. When you are in danger or fall ill, it is often too late to think about insurance. Insurance Talk 9. Feudal superstition is a must

Some people do everything possible to avoid insurance and frown when they see an insurance agent, because superstition in insurance is unlucky. They would rather use their money as incense than buy insurance. Once they are attacked by a disease or a sudden accident, they will be unable to withstand it. Many bloody lessons are the most convincing.