I came into contact with insurance about six or seven years ago. At that time, my uncle somehow began to become an insurance salesman. Of course, this salesman sells insurance among relatives first, which can't be said to be sales. Then, of course, our family became the object of my uncle's insurance sales, and my uncle would definitely buy it. So he didn't tell us that accidents in those people's lives are inevitable and they need to buy insurance as a guarantee, so my uncle introduced all the insurance products he sold to us (as a professional insurance salesman, this seems to be against the regulations). From this, I learned about insurance, or the science.

As for the insurance in my heart, I think it is a process from misunderstanding to understanding to recognition.

There used to be many people, including myself, who were skeptical about insurance and were afraid to contact it. They think that insurance is similar to pyramid schemes, and people often mention the problem of difficult claims. It is often reported in the news that insurance infringes on consumers' rights and interests, and it is also heard that many salesmen cheat consumers for commission. Therefore, out of blind obedience, I also think that insurance is just a waste of money and a dispensable consumption, which does not seem to affect our lives. However, when insurance is valued by the state, relevant laws are promulgated and more and more people buy insurance, it is also time for my understanding of insurance to begin to change. I thought, if insurance is deceptive, then why are so many people taking insurance? And many celebrities, such as Li Ka-shing, have bought high life insurance for themselves, saying that only their own life insurance is their real wealth. Jolin Tsai bought insurance to protect his legs, and many singers also bought insurance to protect his voice (learned on the Internet) in case he lost his professional knowledge and powerful tools for survival due to accidents or other reasons. There are many such examples. Even Churchill said: "Life insurance is the only economic tool that can guarantee a certain amount in the unknown days in the future. If I can do it, I will definitely write the word insurance on the door of every household and in the handbook of every civil servant. Because I firmly believe that through insurance, every family can avoid a disaster that is beyond redemption as long as it pays a negligible price. " Therefore, with the gradual growth and accumulation of knowledge, I gradually realize the importance of insurance, which can protect people's lives from accidental injuries, keep the income earned by people's hard work stable, enable families to give their children a good education, fulfill their obligations to support their parents, and reserve enough pensions for themselves.

I think people's misunderstanding of insurance still stems from the imperfection of China's insurance industry, especially the issue of insurance claims is often disputed by people, which also produces a kind of resistance to buying insurance. However, this is just a misunderstanding. In fact, insurance is very important in modern life. The insurance in my heart is a guarantee that can bring people a sense of psychological security and share the losses in real life. Everyone wants to have a happy life. But a perfect life is not easy to get, and life is not smooth sailing, because there will be changes, people will get old and eventually die, and of course they may get sick and encounter accidents. In order to make life as unaffected as possible by these factors, insurance is very necessary. The significance of insurance is that no matter what state people are in, they can keep a happy life going. If the old man has insurance, he will leave a tax-free legacy to his descendants, and his descendants will benefit. If a family member dies unfortunately, his family will not only be sad, but also lose the source of economic life. If you have an insurance policy, it is that no matter what you do, your family will live a carefree life. People are bound to get old, no matter who they are. But no one wants to work until they are old, so the state stipulates retirement. Work can be retired, but life has to go on. No one wants to live a different life before and after retirement, so there is a pension plan. Saving in the bank, buying stocks, buying funds, buying government bonds, speculating in foreign exchange and buying insurance are all ways of pension planning, which are also in line with investment principles. Among them, insurance is the most stable way, and the earlier the preparation, the lower the cost.

Entering the university, insurance has become our compulsory course, from which we have a deeper understanding of insurance. After the teacher's explanation and my own study, I have a further understanding of the various types of insurance, the essence of insurance, the origin of insurance, and the role of insurance in people, society and the country. At the same time, I also saw that people around me got timely assistance because they bought insurance, and their property was well protected because they bought insurance. At this time, my attitude towards insurance should be completely recognized, without any resistance. As the teacher said, the existence of risks is inevitable and accidental. For an individual, the risk is accidental, but for the whole society, the risk exists objectively, and I don't know when it will fall on me. Therefore, if an insurance accident really happens, the insurance compensation is much higher than the premium you pay, so that your loss can be reduced or even completely compensated. Even if there is no insurance accident (of course, no one wants to have an accident, unless it is a motive to cheat insurance), insurance will make you feel at ease. This industry, which is also called the four pillars of China's financial industry with securities, banks and trusts, is a booster and stabilizer of society. Of course, there is still a big gap between China's insurance industry and the United States and other western countries. Therefore, the country or the insurance industry itself should strengthen some imperfections in insurance, such as establishing an honest industry image, strengthening the professional knowledge and professional ethics of insurance agents and insurance brokers, and the government should introduce relevant policies and laws to regulate the operation of the insurance industry and give corresponding penalties to incidents that damage citizens' rights and interests. Although there are still many shortcomings in China's insurance industry, after all, the insurance industry has only been produced and developed in China for more than 20 years. China's insurance industry has gradually developed with people's recognition. The insurance industry in China still has a long way to go. As long as we strengthen our own construction, actively learn from western developed countries, discard its dross and extract its essence, in the near future, China's insurance industry, like many developed countries, will become an important part of everyone's life and a powerful means for the state to protect people's lives and enterprises.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.