As the richest man in China, Mr. Li Ka-shing has a famous saying: "People say that I am rich and have a lot of wealth. In fact, my personal property really belongs to me, that is, to buy enough life insurance for myself and my relatives! " Mr. Li Ka-shing believes that you should make your own insurance and financial planning at different stages of your life. 20-30 years old is the time to make money and save money; After the age of 30, the importance of investment and financial management has gradually increased; The money earned in middle age is no longer important, and how to manage it at this time is more important. Insurance financial management is to concentrate the wisdom of top financial experts, with the help of institutional investment advantages, according to the risks faced at different stages of life, to manage money for the general public and make future risks and financial plans for them.
When talking about the way of doing business, Li Ka-shing mentioned sixteen words: "Good planning, piecemeal management, slow progress and inaction". He said that if we can "extract the essence of these four words, life can be so beautiful."
From the perspective of an insurance industry, Li Ka-shing's sixteen words are completely explaining the scientific nature of using insurance to plan life, and we can fully understand the profound meaning of "Only with the essence of these four words can life be so beautiful".
Good planning-planning is planning and planning. "Sun Tzu's Art of War" says, "Go up and down, cut the plot." As the saying goes, people who have no long-term worries will have near worries. This is all to emphasize the importance of planning. The process of buying insurance is the process of facing up to life risks, risk management and planning life. A successful life begins with a plan.
Manage things by stages-the scientific nature of insurance is to give us the opportunity and time step by step, without raising a large emergency fund at one time. As long as you are willing to deposit a small sum of money in the insurance company every year (choose the payment method of regular payment), you can have a large amount of emergency cash at a critical moment (when an insurance accident occurs). This is a bit like the logic of buying a house with a mortgage loan-pay the down payment and pay it next month, and you will have an ideal house.
Take it easy-for example, if you choose critical illness insurance, you will pay 654.38+00,000 yuan a year and 300,000 yuan in 20 years. You are not in a hurry in the process of saving money. You only pay 6.5438+00,000 yuan a year, but if you really get cancer, the insurance company will pay 300,000 yuan in one lump sum (emergency). So we say that saving life-saving money in the bank is by taking the stairs (one step at a time, how much you save, just to increase interest), and saving life-saving money in the insurance company is by taking the elevator (although paying insurance premiums is the same as paying bank deposits, it is 10,000 yuan a year, but once a serious illness is diagnosed, the premium will immediately become the insured amount, just like taking the elevator, directly reaching 300,000 yuan).
Governing by doing nothing-this is the highest wisdom advocated by Laozi in Tao Te Ching. Inaction is not inaction, but sketching, grasping the key points and doing things according to the law. When we buy enough insurance and do enough risk management in our life, we will reach the highest state of inaction in our later years-pension (endowment insurance), life-saving money for illness (critical illness insurance), and even if we die, our families will have enough living expenses (security insurance).
When I was young, when I was making money, I followed the steps, bought enough insurance, and made a good plan for the future. I really realized that "I went to work to not go to work, made money to not make money, and spent money to spend less". This is the wisdom of insurance, and this is what Mr. Li Ka-shing said. "The essence of these four sentences is that life can be so beautiful."