Although life insurance can't prevent the tragedy from happening, it can undoubtedly alleviate and delay the spread and aggravation of the tragedy, so it can be said that many families can be saved and prevented from helplessness and damage. It can be seen that, as insurance practitioners, the work we are engaged in is not only proud and radiant, but also great and sacred, because through everyone's efforts, we can send love and responsibility, happiness and well-being to thousands of households, and bring not only warmth and relief to the insured families, but also a kind of security and guarantee. Moreover, the popularization and promotion of insurance can also create a relaxed and peaceful social environment, which is also an important part of building a harmonious society, providing favorable conditions for the healthy development of society and creating the best stable development cycle. At the same time, insurance practitioners can fully reflect their own value, publicize themselves and show themselves through insurance work, and can get rich income from it. So that the living standards of themselves and their families can be continuously improved and improved. Therefore, insurance practitioners are engaged in the greatest and most sacred work of mankind. It is not difficult to see that insurance is a good cause that benefits the country and the people. Only from this point, the function of life insurance can be fully exerted. ?
However, at present, social development is in a transitional period, and some people still lack sufficient understanding and misunderstanding about the importance and necessity of insurance, which particularly highlights the necessity and importance of the existence of our insurance practitioners. Because some people in today's society need us to provide them with insurance products and services, we need to exist, and more importantly, more people do not understand insurance, so we should exist and make unremitting efforts and publicity for this. If the Long March is a manifesto and the seeder is a propaganda team, then today, the insurance law is a manifesto, the insurance company is a propaganda team, and our insurance practitioners are seeders. Through us, we spread the concept of universal insurance to the land of China and bring our products to thousands of households. Therefore, insurance practitioners should not have the wrong idea that they are inferior and difficult to say when they publicize and participate in the exhibition, but should confidently and forcefully publicize the insurance concept, popularize insurance knowledge and recommend insurance products. ?
Today, I will exchange three topics with you. That is, five problems in life and five truths about insurance and how to be a qualified insurance agent. ?
Five major problems in life. ?
A person will encounter various problems such as success and failure, joys and sorrows, joys and sorrows, and so on. Note: For example, in The Journey to the West, the Tang Priest didn't learn from the scriptures until he encountered 81 difficulties. Although a person's body will have various problems, there are five major problems that everyone can't escape. These problems, whether poor or rich, people or officials, will face and cannot be avoided, so how to solve the five major problems in life is particularly important. ?
A: The problem of providing for the aged in China. ?
Everyone is an objective reality that no one can escape from birth to old age, and the issue of providing for the aged has become a hot topic in society. Here I will talk about this problem from four aspects. ?
(1), the present situation of providing for the aged in China. ?
With the development of society, the average life expectancy of China people is increasing. The average life expectancy in China is less than 50 years from 100 years ago. So at that time, people were all over 70 years old. But by the end of last century, the average life expectancy had exceeded 70 years, and by the time the new life table was introduced this year, the average life expectancy in China had exceeded 73 years, reaching 73.4 years, with the average life expectancy in Shanghai, Beijing and large and medium-sized cities being greater than that in Shanghai. So what is circulating in the society today is: "People over 70, people over 80 are still younger brothers, people over 90, people over 100." Judging from these jingles circulating in the society, the reality of aging and the problem of providing for the aged have been placed in front of us, and their importance has been very prominent, and the social and family problems caused by providing for the aged are even more difficult. At present, the social problems of "empty nest elderly, single elderly and insecure elderly" in cities can not be ignored. Although some elderly people in empty nest families have pensions, they can't get the care and care of their children. Single old people are more old and lonely. As for the elderly who have no security, who can rely on them (such as laid-off workers in cities and elderly people who have lost their labor in rural areas)? By the state? In recent years, the so-called restructuring of state-owned enterprises means that old workers who have worked for decades have been restructured and returned home. It's all handed over to the * * * production party, but when you get old, no one will raise it, and it's all up to the children. Looking forward to the support of children, children will be laid off first. Therefore, quite a few of these laid-off workers in their 40 s and 50 s can't even make ends meet, and some have to support the elderly and raise young children. How do they pay the whole social pension? In addition, the gap between the rich and the poor in today's society is further widening and worsening, and the price index is rising year by year. The problem of providing for the aged of tens of millions of old workers who have been restructured from state-owned enterprises will surely become a serious social problem and a factor of social instability and disharmony. Even the part of the pension paid by employees may not be enough for future pension, especially in rural areas. The blind and infinite expansion of the city occupies the land that suburban farmers depend on for survival. Although the government got a high rent, it gave farmers a few pence as a one-time compensation, which made these generations of people who lived on land lose their financial resources, and their descendants were forced to leave the land to work in cities. If this situation cannot be effectively solved, can social stability, stability and unity be guaranteed? Can it not cause serious social problems? Everyone says that there are 16 trillion deposits in the society, and 16 trillion deposits are good, but who is concentrated? Is it a worker? Or a farmer? Or an ordinary soldier? Not ordinary people anyway. The widening gap between the rich and the poor and the unreasonable accumulation of wealth have formed a huge gap between the state and local governments, between the government and the people, between the people for the benefit, between leaders and employees, between bosses and migrant workers, and between enterprises in the industry. It is not difficult to imagine that these injustices are enough to constitute a potential crisis. Therefore, the state and governments at all levels should introduce corresponding effective measures to establish people as the main body, freedom and prosperity, and benefit the people. In order to ensure social harmony, as our common people, we should also have a sense of self-protection and conditionally choose some insurance products as supplements to ensure the demand for old-age security. ?
(2) The trend of providing for the aged in China. ?
65,438+0. The elderly in China account for 1/5 of the world. ?
According to experts' prediction, in 2020, there will be the second peak of population aging in China, and the social aging will be further aggravated, and providing for the aged will definitely affect the whole society and many families. ?
2. Trends of family demographic structure in China. ?
As China's family planning policy determines that 90% of families are only children, it is unrealistic for only children to provide for the elderly in the future. At present, China's family population structure is very severe, and the ratio of the elderly population to the young population is upside down. ?
○○○○○○○○○○○○?
Both parents?
Parents?
Children?
That is, the population structure of 8-4-2- 1 Can children bear such a family structure? The answer is no, definitely not. Moreover, in today's society, all officials and people care about money. Except for money, everything else is just empty slogans or formal provisions. Relying on the state and children to support the elderly has become a thing of the past, the nation is declining and morality is declining. Therefore, the country is not reliable, and it is not difficult to imagine relying on children to support the elderly. ?
3. The existing pension gap is huge. ?
In 2003, the pension gap of urban retirees in China reached 1 trillion yuan, and it is predicted that the gap will reach 6 trillion yuan by 2020. However, our social pooling insurance covers all but not all, with wide coverage and low security. Therefore, some insiders predict that if you pay the current pension, it is very likely that you will not get back the amount you paid as scheduled in the future. In addition, the current price inflation rate in China has reached more than 4.5%. For this reason, the increase in pension prices is also the general trend. ?
(3) How to solve the problem of providing for the aged. ?
Endowment insurance is necessary and very important for everyone, especially for people in their forties and fifties. How to solve this reality depends on the country. Now the country can't ask ordinary people at all. Even if they have no livelihood, they can only provide 1 or 200 yuan's minimum living allowance. The subsistence allowance has almost become a refuge for laid-off workers or people who have no source of income. As I said before, it is up to the state to support them and their children. Relying on yourself, supplemented by commercial insurance, is a wise choice. ?
(4) A sense of security for the elderly, family happiness. ?
If you want to be a happy old man, you must at least have the basic conditions of "money", be old with dignity, health, security, friends and, of course, a wife. Such an old man is a perfect life. ?
B: Medical problems in China. ?
Who can say that eating grains is not a disaster? With the rapid development of modern science and technology, all kinds of pollution are becoming more and more serious, and many local governments, industrial and mining enterprises are also very prominent in the pollution incidents at the expense of the environment, so there are more and more diseases, and there is an increasing development trend. On the one hand, the average life expectancy of people is increasing, but on the other hand, some people get sick before they get old, get old before they get disabled, and diseases mercilessly take away their young lives. According to the statistical analysis of relevant departments, only ten diseases account for 70% of the disease mortality. Such as cancer, cardiovascular disease, hypertension, 4 million leukemia, AIDS and 1 100 million patients with liver disease. Now people talk about the color change of cancer, because one person suffers from cancer and the whole family is poor, one person suffers from leukemia and the whole family is hopeless, one person suffers from stroke and the whole family suffers from hepatitis B for life. If a person suffers from AIDS, the whole family will suffer. Coupled with the accelerated pace of work in recent years, many people are in a sub-health state and the health of the whole people is worrying. The most deadly thing is our medical reform, which has changed the people. At present, the average hospitalization expense of China people is 289 1 yuan, which has reached 3,494 yuan in 2005. The annual medical expenses increase at the rate of 19%, doubling every 3.6 years. As for major diseases, it costs more than 654.38 million yuan. How many families in China are poor due to illness? This is the sadness and helplessness of the development of our society today. Even people with jobs and medical insurance, because of the medical regulations that this medicine and that water can not be reported at one time, have affected the treatment effect of patients and led to their disability in life. Although the government admits that China's medical reform has failed, they know that it has failed and has not changed. I don't know what that is. When can we really save lives? ?
Let's take a look at China's economy. Although it grows by 7-9% every year, not to mention whether the people's income can increase to 7-9%, the growth of medical care alone is as high as 19%. According to Law 72, medical expenses are doubled every 3.6 years, and hospital projects are overcharged. Doctors accept gifts and bribes, which makes people miserable, such as Harbin, Heilongjiang. The sky-high medical expenses of 5.5 million yuan are even more shocking, which fully shows that hospitals at all levels and some medical staff are not saving lives, but ignoring patients' lives. They only see one word, which is money, money. In view of these situations, what would you do without medical insurance? Therefore, insurance makes us respect life. ?
C, children's education in China. ?
China's family planning policy determines that 90% of China families are only children, so parents are particularly concerned about their children's growth. Inheriting the wind is really pitiful. In order to meet the needs of children's growth, it has become a top priority for thousands of families. Some people say that "no matter how hard it is, it will be poor again", and the investment of each family in children's education has surprised many families. In addition, in the process of children's growth, many families have been overwhelmed by various expenses. According to the authoritative data of China, the cost of a child graduating from kindergarten to university has exceeded 250,000 from 230,000 in 2003, and is expected to exceed 300,000 in 2008. Among them, early childhood 1.5 million, kindergarten 20,000, primary school 25,000, junior high school 60,000, university 60,000 and graduate student 50,000, totaling 230,000 yuan. Therefore, children's education has also been cited as a hot topic in society.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.