Is insurance a lie?

Many people in modern people have been skeptical about insurance. Apart from knowing that they want to go to the national social insurance system, they have never believed in commercial insurance, and think that insurance is mostly fraudulent.

Below are a few major questions to explain to you!

 

Insurance: You can't take it when you are born. You can take it when you die. What is the significance of taking money when you die? It's not a lie.!

First of all, there is a certain truth in this Statement. Insurance has a Death Insurance Fund, which can be said to be designed for death. His purpose is to reflect the responsibilities of a family. After you die, your insurance money can guarantee the life of your family and ensure their living standard.

There is no money to get when you live, but there is only insurance in the past. There is a lot of modern insurance, and you can get money when you live, it has become an indispensable financial and investment tool. When you try to understand insurance, you will know

 

Insurance companies are not deceiving because they have little money to earn!

The purpose of insurance is low investment and high security. He will not become a tool to make money!

Most of your other investments are high-investment, high-risk, medium-return, and low-security tools!

For example, you can use it in the stock market.100Earn RMB50This is your investment tool!

Relatively, you only need to invest1Let you100With ten thousand yuan of protection, you can provide you with loans when your funds are difficult. When you retire, you can get back the previous premium and enjoy a certain appreciation! This is insurance, your protection tool.

Insurance is an early stage for your investment, with high security, a guaranteed cost, appreciation, and tax avoidance in the later stage. It just allows you to switch your money from a bank to an insurance company! Therefore, insurance is not fraudulent!

 

Insurance companies are not deceiving because they have little money to pay when they leave the warranty period!

I believe everyone can understand the truth that buying things cost money! Therefore, insurance companies absolutely do not

Insurance companies provide a high level of protection when you invest in insurance, and naturally you need to spend a certain amount of money.

At the same time, insurance is a long-term forced savings plan in modern times. Both social insurance and commercial insurance are the same. Your Investment in the Early Stage, it is never possible to get it back in the early stage through the "surrender" method!

However, an insurance company is not saying that it is to earn your money. In fact, an insurance company is a commercial organization. Its business performance is due to the difference in interest, death, and cost of insurance.

Interest DifferenceIt refers to an insurance company that uses your premium for investment and operation! If your premium is placed in the short term of the insurance company, and the funds are not returned, the refund will naturally be very low. The longer you are relative to the insurance company, the higher the value of your insurance policy! The more refund you have!

DeathIt refers to the insurance premiums collected by insurance companies. Each year, part of the money is settled, which is stipulated by the state. If the balance for the current year's mortality claims is lower than the budget of the insurance company, then the insurance company will make a profit!

Cost DifferenceIt means that if the actual annual operating cost of an insurance company is lower than the budget, the company can make a profit.

 

Insurance Claims are difficult, and insurance companies are deceiving people.!

This is understandable!

Insurance Claims are complex, but not difficult! The complicated reason is that in order to prevent the occurrence of a large number of "fraudulent insurance" phenomena in the society, the insurance company will be lost, and the real claims will not be settled, your interests are the same as being cheated. Would you want this result? Therefore, the complexity of claims does not mean that insurance companies are deceiving people! In the event of a real claim, insurance companies are actually very happy, because within the plan, they have set up a good corporate image.

So who lied to you! There are two possibilities!

LOne is that the insurance agent is not professional,

The agent did not explain to you the scope and liability of insurance claims. When an accident occurs and is out of the scope of insurance, you will not be able to claim claims! You think the insurance company is deceiving you! It is actually caused by the inspecialization of insurance agents!

LThe other is that you lie to yourself!

Insurance Claims are difficult everywhere in the society. In fact, most of them occur in the early stages of insurance, and the current insurance industry is constantly improving. As long as it is a special case that claims have become, at the same time, it does not include the vicious harm of some speculators in the middle, so it will form an image of no insurance compensation! This is the social environment that affects you!

In addition, when you buy insurance, you do not have to take the time to carefully listen to the insurance content. Purchasing different insurance products is a long-term plan, it takes time to find an appropriate insurance, but modern people have a fast pace of life and do not want to waste time learning about their plans when buying insurance, insurance is really your problem!

Therefore, insurance is not a lie, and claims are difficult. It is difficult for you to find the wrong person. It takes no time!

To buy a non-deceptive insurance, you just need to believe in yourself, find a powerful Insurance Company, find a professional insurance agent, and spend your time learning about the insurance. Then you can buy a safe and reliable insurance, an appropriate insurance plan!

 

I hope everyone will like it and wish everyone a smooth job and a happy family!