Don’t want to buy it. More than 30 years ago, the unit I worked for purchased insurance for its employees (paying for it out of my own pocket) for about five years. Later, the insurance company decided that this insurance was not worthwhile and voluntarily stopped offering this insurance. Those who had purchased it were covered by the contract. Later I learned that just after I was transferred, someone took away my three-year insurance policy and asked me to find out who signed it. They told me that the file had been handed over to the city, and when I went to the city, they said that I had arrived in the provincial capital. What did I say?

Hello everyone, let me answer this question.

A few days ago, Dong Mingzhu criticized the CEO of an insurance company at a meeting. I want to say that Aunt Dong did a great job. The insurance industry is indeed very unhealthy. Publicity is one thing, really. When "insurance" is needed, there is no insurance.

I bought an insurance policy very early, and then I needed money urgently. I had no choice but to terminate the contract, and I lost about 20% of the principal. We understand this, after all, it was me who breached the contract, but considering When I first bought it, there was a world of difference from the frivolous things the insurance guy said.

However, car insurance is still worth buying, because human life is valuable now. It is still not recommended to buy life insurance. It is meaningless. It is better to use the money to buy financial management.

After saying the above, I regret it. I wonder if the insurance companies will attack me?

From a rational point of view, I am willing to buy insurance when it is "cheapest".

The essence of insurance is to spread risks and cover losses caused by the occurrence of risk events. So, the lower the premium, it means that with the same insurance amount, I can leverage greater leverage with less funds, so as to obtain greater rights and interests as much as possible. Why not?

So, when is the cheapest time to buy insurance? Insurance is a financial product, and the pricing of financial products is based on risk. When purchasing insurance, the lower the risk to the insured, the cheaper the premium will be. In the actual purchase, we mainly consider two factors:

Generally speaking, age and premiums are positively correlated. When purchasing insurance, the younger we are, the cheaper the premiums will be. What should be noted here is that the annual premium we pay will not increase as we age. If we really need to buy insurance, it is recommended to buy it as soon as possible.

When we buy insurance, we will all encounter the "Health Notification" option. If it meets the standards, you can apply for insurance normally. If it does not comply, it will be confirmed through manual underwriting. What should be noted here is that once the manual underwriting is passed, we will most likely only be able to purchase insurance through "increasing premiums." Therefore, only by having a healthy body can you buy insurance at a lower price.

Hello, regarding this question, if I have not purchased any insurance, then this moment is the moment when I am most willing to buy insurance. In fact, I think you should buy insurance as early as possible. Many people are resistant to insurance, but they don’t know that many insurances are not something you can buy if you want. There are countless cases of refusal of insurance.

Why should you buy insurance as early as possible?

Taking a certain type of critical illness insurance as an example, if you choose the critical illness protection of RMB 300,000 to cover until the age of 70, the payment period is 30 years, the annual premium for a 25-year-old male is 1,350 yuan, and A 35-year-old man has to pay 1,890 yuan per year. There is a 10-year age difference between the two, but the annual premium difference is 540 yuan.

Judging from the total premium paid, a 25-year-old man will have to pay a premium of 40,500 yuan per month for 30 years, while a 35-year-old man will have to pay 56,700 yuan per month for 30 years. The total premiums paid by each age group differed by 16,200 yuan.

As you grow older, your risk of serious illness and death is higher than when you were younger, so your premiums will increase accordingly.

Health notification is required when purchasing medical insurance, critical illness insurance, life insurance and other insurance. The health of young people is generally better than that of older people. It is easier for them to successfully apply for insurance, and there are more corresponding insurance choices. But when you are older and in poor health, it is often not you who chooses the insurance, but the insurance product. you.

On these two points alone, I feel that you must buy insurance while you are young. The above are my opinions and some thoughts, welcome to discuss.

If you want to ask: When is the best time to buy insurance? I will answer: If you go to the hospital and see the people lying in the hospital bed, it is most appropriate for them to buy insurance 180 days ago; if you go to the accident scene and see the people who were unfortunate enough to have a car accident, it is most appropriate for them to buy insurance 24 hours ago.

A series of car accidents on the highway (please watch under wifi)

What exactly is insurance?

01

Insurance is protection

Although you are protected by car shells and airbags when driving, you still need to fasten your seat belt; when riding a motorcycle, you must wear a safety helmet, etc. These are all protections.

02

Insurance is safe

You may have made a lot of preparations for life, but additional protection is necessary! It is better to be prepared than to be unprepared, and add another precaution to give people a sense of safety!

03

Insurance is mutual aid

People who have donated blood must know that after donating blood for a certain number of times, blood can be exchanged for emergency use, and can even be used for For family needs, donating blood properly will not cause physical problems, but it can save us from the panic of running out of blood when needed. Donating blood saves others and ourselves.

04

Insurance is to prepare for a rainy day

The more you prepare in advance, the less you will lose when the risk comes. Children are vaccinated to prevent infection. It is better to be prepared in advance than to regret later.

After understanding the essence of insurance, you should know that only by having no worries can you develop your career and live a good life with peace of mind. It is recommended that the best time to buy insurance is now.

Why does everyone need to buy insurance?

1. When you and your family are unable to bear the financial losses caused by accidents and serious illnesses, insurance companies will cover them. Let the insurance companies pay for the economic losses!

2. You can live your whole life without getting sick or having accidents, but you will definitely grow old. But how can you save money for retirement in your dying years? Insurance is that long-term special fund.

3. The business world is ups and downs. Even if you are rich for a while, you cannot guarantee a worry-free life. Once the business fails, your house and car may be forfeited, but insurance cannot be touched.

4. You can earn more money than you can spend in the next few lifetimes, but under legal constraints, only the insurance money of the designated beneficiary can legally achieve complete wealth inheritance.

Insurance is not an ordinary commodity. You will not need it when you buy it, and you will not be able to buy it when you use it. Don't think that if you are healthy now, you will never go to the hospital; don't think that if you are smooth now, you will always be protected by fate; don't think that if you are young and invincible now, you can escape the ravages of time.

Once a risk occurs without preparation, can you bargain with the doctor? Can you tell me to come back later? Can you ensure that your family can live a good life without you?

Before it’s too late, think carefully about whether you should prepare a protection for yourself and your family.

If you can guarantee that you will not encounter risks in your life, then don’t buy it at any time, it’s a waste of money!

If you cannot guarantee that you will not encounter risks, it is recommended to buy it as early as possible. Don’t wait until you want to use it. It will be more miserable!

Insurance is a special commodity sold to healthy people or people who are willing to be insured by insurance companies. If there is a health problem, it is not up to you to decide whether you can buy insurance, but to the insurance company. It’s no longer a question of not letting you buy it.

When do people usually think of buying insurance? Generally, people only think about insurance when risks occur. In fact, they can no longer buy it at this time.

Most insurances now have a waiting period (except for accident insurance and annuity insurance). If an insured accident occurs during the waiting period, the insurance company is not responsible for compensation. The waiting period for medical insurance on the market today is generally 30 days, while some for critical illness insurance are 90 days, some are 180 days, and some are even one year. Risks are always there and can happen at any time. When do you think the best time to buy is?

Therefore, the sooner you buy insurance, the more appropriate it is. Don’t wait or make fun of your future.

The sooner you buy insurance, the sooner you can enjoy the benefits and protection it brings. Don’t wait until the risk occurs and then regret it.

The earlier you buy insurance, the greater your choice will be. Whether it is the insured amount, payment period or insurance product, you can choose according to your own needs and reduce insurance risks.

The earlier you buy insurance, the less the comprehensive premium will be. Our current insurance rates adopt a balanced rate. As long as it is linked to the payment age, the younger you are, the cheaper the premium will be.

From a commercial perspective, only insurance companies are willing to bear this risk. If something stipulated in the contract occurs in the future, the insurance company will be responsible for compensation.

Whether we like it or not, insurance has entered thousands of households, and insurance has deeply affected our lives. The purpose of buying insurance is to prevent us from not being able to resist when risks occur in the future. Some or most of the problems can be solved through insurance.

The purpose of insurance is to obtain maximum security at the minimum cost!

Suggestion: The earlier you buy, the better. Don’t wait to buy insurance. The tragedy will begin when you find that you can no longer buy it!

In fact, people should buy insurance at any stage. Isn’t there a saying: I don’t know which will come first, tomorrow or the accident. The sky is unpredictable, and people are prone to misfortunes and blessings. Buying insurance is the greatest safety guarantee for yourself and your family.

However, there are too many insurance traps now, so I worry about spending money. If something happens and I need to be compensated, it will end up not complying with this regulation or that regulation, and I will not be able to compensate, and my money will be wasted.

But this is not a reason not to buy insurance.

We need to spend more time, read more information, listen to other people's opinions, and carefully screen to choose a suitable insurance for ourselves or our family.

For example, I recently learned about the million-dollar medical insurance, which is more suitable for middle-aged and elderly people. The annual payment is about 300 yuan, and the compensation for serious illness and hospitalization can reach one million yuan, which is a good supplement to ordinary social security.

However, I learned that some insurance companies for this type of insurance do not renew the policy after paying the claim once, so the protection function is not good. Therefore, you must carefully study the terms when choosing an insurance product.

Some people joke that we spend a long time shopping for groceries and clothes, and even bargain. However, when buying financial products, I seem to understand but not fully understand them, so I buy them.

Therefore, we still have to prioritize. The important thing is to figure it out no matter how hard you use your brain, and to live rationally.

I think the smaller the insurance, the better. I will explain it from several aspects below

1. In terms of the protection time, the smaller the insurance, the longer the insurance. Risks are everywhere. Risks are invisible and intangible. Just because you can't see them, they won't exist. But we can prevent risks in advance. So can we accurately predict when risks will occur? Obviously you can't, so you can get longer protection by purchasing insurance early.

2. From an economic point of view, for the same insured amount, the premium will be relatively higher the older you are, and the premium will be cheaper the younger you are.

3. From the perspective of physical health, the older you are, the more likely your body is to develop diseases. Different physical conditions will affect the underwriting results, and the underwriting will generally appear. Four situations:

The first type of bid is passed, which is a normal contract.

The second type of premium contract means that you need to pay more money before the insurance company will contract.

The third type of exemption contract means that you will not be compensated if you have any problems. If you are insured, other organs of your body can be covered

For the fourth extension, the insurance company will notify you after 3-6 months. If your physical examination is normal, you can submit an application again. It depends on your Check whether the physical examination report is normal. If it is normal, you can contract.

The fifth type is refusal of insurance. The insurance company thinks that your body is at great risk and will not cover it. At this point, it’s not a question of whether you buy it or not, but a question of whether the insurance company can insure you.