The famous scholar Hu Shi once said this when talking about insurance: "The meaning of insurance is to prepare for tomorrow today, to prepare for death during life, and for parents to prepare for their children. When children are young, they prepare themselves for when they grow up, that’s all.” Mr. Hu Shi’s words are undoubtedly the best explanation of the meaning and function of insurance. As the greatest invention in human history, insurance is of unparalleled importance to individuals and families, to countries and societies. For individuals, insurance can provide people with protection against unknown risks, so that when the policy holder suffers unexpected damage, he or his family can receive financial compensation to ensure the stability of the family economy; it can also be used as a form of savings and As a financial management tool, the insured can receive the insured amount and other returns during the validity period of the insurance. The emergence of insurance, especially life insurance, has perfectly helped people solve the inevitable problems of life, death, illness and old age. For the country and society, insurance plays the role of a stabilizer and gives full play to the functions of economic compensation, financial financing and social management. Insurance can not only turn the liquid savings in the hands of individuals into long-term investment funds that can be used for national infrastructure construction, but can also help people avoid unpredictable potential risks, solve their worries, and ensure social stability and harmony. In summary, insurance has the following ten golden values: medical care for the sick, support for the strong, protection for the young, support for relatives, support for the disabled, support for the elderly, money savings, and property What is protected, wealth is inherited, and love is inherited. Value 1: Medical treatment for illnesses - insurance makes it affordable for people to live without discounts. Being afraid of getting sick does not mean that you will not get sick. Once a problem occurs in the body, minor illnesses can be resisted, but serious illnesses require a high sum of money. Medical expenses. In a situation where the economy is “all out but not in”, this is a painful ordeal for uninsured families or individuals. Purchasing adequate medical insurance can prevent people from being hit by huge medical expenses when they unfortunately suffer from serious illnesses, and they can get better treatment; it also allows families to maintain a stable quality of life. ★Problem: Many people do not really understand the nature of medical insurance that “only covers but does not cover”, that is, medical expenses cannot be reimbursed in full. It has a strict personal payment ratio, a cap line for medical insurance and a payment ratio for major diseases. It also has There are clear regulations on the scope of medicines and examination payment, and the bankruptcy of a family often starts when a person gets a major illness, which is a high medical expense that makes people unable to afford the disease. ★Troubleshooting: "Health is 1, others are 0", no one knows its importance! However, no one, no matter the sages or the common people, can guarantee that they will not be invaded by diseases, but health insurance such as critical illness insurance can provide people with sufficient "ammunition" to fight against or even repel the enemy of disease. Value 2: You have something to rely on ------Insurance eliminates worries, and you can work hard to achieve your career

The pace of social life is getting faster and faster, and competition is becoming more and more fierce. Salary cuts and unemployment are no longer new. . When income is reduced or even financial resources are lost, the lives of individuals and their families will be in trouble. If you can plan in advance, insurance can take on important responsibilities for everyone's present and future, allowing them to seize every rare opportunity and fully demonstrate their personal talents in the golden period of life. ★Problem: Regardless of whether they have professional skills or not, in the market economy everyone will face the social risk of unemployment. If you encounter accidents, diseases, etc. at this time, it can be said that blessings never come in pairs, and misfortunes never come singly. ★Problem Solving: With the changes in the planned economic system, people are faced with opportunities for development but also the danger of losing their "jobs". Life insurance is enough to eliminate the hidden worries that may be caused by unemployment, accidents, diseases, etc. Value 3: Children are protected --- Insurance protects children's education planning and growth

No matter how hard it is, parents who love their children would rather tighten their belts. I don't want my children to suffer a little bit. However, things are unpredictable. If an accident occurs to a parent, besides insurance, who can protect the child, and who can guarantee the child's continued education? Secondly, young children are more active and more susceptible to injury than adults. Children's accident insurance can provide medical help for children in danger. ★Question: How much does it cost to raise a child? Maybe many parents are confused about this, because true love is priceless. A social survey in Beijing shows that it costs an average of 490,000 to raise a healthy child, excluding admission sponsorship fees, school selection fees, tutoring fees and interest classes. But which parent is willing to let his child lose at the starting line? Up? The "starting line" has pushed money so high that it is difficult to realize your dream of studying abroad. ★Solution: In Western developed countries, the reason why the popularity of life insurance policies is high is because many parents have long thought about the future. Once they encounter an accident, their children's growth and education cannot be guaranteed. Paying attention to education is a fine tradition of the Chinese nation, and the one-child policy Let parents pay more attention to their children's growth and education. Therefore, Chinese parents should buy life insurance to ensure that their children's education and growth are smooth.

Value 4: Respect for relatives------Drink water and remember the kindness of parents, life insurance supports parents

As more and more diseases show a trend of younger people, white people The human tragedy of sending people with black hair away happens frequently. Filial piety comes first among all good deeds. A loving and filial son, no matter how much his income is, should first buy an insurance policy for himself and write the name of his parents on the person he loves. In this way, even if something unexpected happens, the guarantee insurance can continue to bear the responsibility of supporting parents.

★Problem: Traffic accidents, as the number one killer of young people, have become the veritable "number one hazard in the world", and the enemies of safety in all aspects such as disease, unsafe food, dangerous work, and even entertainment venues are even more serious. Peeping into young lives every moment. ★Solution to the problem: If you are a loving and filial son, no matter how much your income is, please buy yourself a low-cost pure accident insurance first. Write the names of your parents as the beneficiary. When you encounter an unexpected event, the insurance can take care of everything on your behalf. to the obligation to support one’s children. Value 5: Having something to support your disability—----accidents and illnesses lead to disability, and insurance protects my dignity. Accidents are unpredictable, and people become disabled due to accidents every day. When a person is unfortunately disabled, he or she will have to face changes in living habits, a drop in living standards, need to be funded by others for living expenses, and the dreams he pursues will also be shattered. If you have been insured before, the disability deposit provided by the insurance will become the most powerful support for disabled people to face life actively. ★Difficulties: Enterprise safety hazards are high, and social work-related injury protection is low. Once a personal injury accident occurs, not only will you lose your dignified and high-quality life, but it will also be difficult to guarantee the normal life of your family and children. ★Problem Solving: Without protection, those who are disabled due to work accidents or diseases will lose their dignity due to the lack of living security. Insurance can add a solid "safety protection net" to life. Value 6: Provision for old age------Insurance ensures a worry-free life in old age

Who doesn’t want to have a happy and contented life in old age? But there is a prerequisite, that is, you must have enough funds on hand to meet your living expenses in your later years. A person who lives too long must have material conditions to protect him, otherwise longevity will not be a happy thing. Bank savings may be used less and less in your later years, while the benefits of pension insurance will be with you until the end of your life. ★Problems: Living too long has greatly increased post-retirement living and medical care costs. Inflation has made the future full of uncertainty. The peak of aging is approaching. The gap in social pooled pensions is widening. Raising children to provide for old age is unreliable. ★Problem Solving: Birth, old age, illness and death are inevitable life processes for all living things. Everyone cannot control their own "life and death", but they can completely control "aging" in their own hands. Although there are many difficulties in old age care, life insurance can ensure that everyone can be provided for in old age and enjoy a dignified old age life. Value 7: Accumulate money------small money turns into big money, value-added protection and safety. In addition to getting certain protection, life insurance is also a kind of investment and savings. The policyholder can get investment income from the insurance company. and savings income to achieve the goal of long-term wealth accumulation. ★Problem: The "moonlight clan" reflects the young generation's outlook on savings and consumption. In fact, not only young people, but also people who hold the concept of instant gratification, it is difficult for them to really put their money in the bank. Achieve wealth accumulation. ★Solution to the problem: In many insurance products, you only need to invest a small amount of 1,800 yuan a year, but after 10 or 20 years, it will turn into a large fortune. Value 8: Property is insured------The safest way to preserve value is to purchase insurance

After purchasing property insurance, if assets such as houses, jewelry, cars, high-end furniture and their related interests, due to If a natural disaster or accident causes loss or damage, the insurance company may bear the liability for compensation in accordance with the insurance contract. In addition, the financial planning role of insurance can also ensure the preservation and appreciation of family assets. ★Problem: With the increasingly rich content of social and economic activities, the number of investment channels and investment varieties has made ordinary people at a loss what to do. What is even more worrying is that many people still do not have enough insurance concepts and awareness. ★Solution to the problem: Whether it is a pension or investment insurance product, most of them have the function of both preserving and increasing value. More importantly, this kind of product can also have multiple protection functions such as accident, medical, and hospitalization subsidies. In times of financial turmoil, it can be said that nothing is safer than purchasing insurance products. As for home insurance, there are also many varieties, including protection and investment, both short-term and long-term, and basic and comprehensive insurance. Value 9: Inheritance of wealth ------Accumulate a lifetime of wealth and benefit your loved ones without regrets

According to Article 56 of the "Insurance Law": "In accordance with a contract in which death is the condition for payment of insurance The insurance policy issued may not be transferred or pledged without the written consent of the insured." Because it will not be frozen or auctioned, life insurance policies are the most reliable legacy. ★Problem: Even wealthy people with tens of millions of dollars in assets will inevitably have to bear bank loans for investing in industries, buying houses, buying cars, etc. Once something unexpected happens to themselves, what they will leave to their loved ones will not be wealth but the trouble of debt. ★Solution to the problem: There are always people who think that the wealth in their name can not only allow them to enjoy their old age, but also provide endless enjoyment for their children and grandchildren. However, as everyone knows, an accident is enough to wipe out all the wealth, and only life insurance can solve this problem. Value 10: Love is continued ------Insurance is a guarantee for the continuation of family ties and great love

How can underage children survive when their parents are gone? If your loved one loses your partner, what should you do with your other half? Human love and responsibility make us hope that our relatives and friends will always be taken care of, but no one can predict the misfortune during life. After the misfortune occurs, the family may fall into the endless pain of losing a loved one and the embarrassment of losing support. Buy enough life insurance for yourself while we are still well, so that even if something unexpected happens, there will be insurance to continue your love.

★Problems: China experienced too many misfortunes in 2008: the Wenchuan earthquake, the southern snowstorm, the Sanlu incident, successive mining disasters, the Chengdu bus burning accident in 2009, the plane crash... Life is full of crises, and life is full of dangers. Too light to bear. ★Solution: No one can predict the misfortunes in life. What we can do is to buy enough life insurance for ourselves while we are still well, because if something unexpected happens, only insurance will extend our love to our parents, In the lives of wives, children, brothers and sisters.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance