Many people say that insurance is a scam and that insurance is a pyramid scheme, but my opinion is somewhat different. If insurance is a scam, then why do so many people take out insurance? Anyone who still buys insurance knowing that they have been deceived is becoming an idiot, right? But I think people who are truly aware of insurance and own insurance are people who have a strong sense of responsibility for their families and themselves. They are the most caring people in the world. Of course, "Insurance is used to deceive people, but insurance is definitely not a lie." Some people say that insurance is a pyramid scheme. (Haha!) If insurance is a pyramid scheme, the State Council has worked hard to formulate the "Several Opinions of the State Council on the Reform and Development of the Insurance Industry" (i.e., the Ten Articles of the Insurance Country) to allow insurance companies to be listed. That is not the state. Are you causing trouble for yourself?

Once upon a time, I often heard many people talking about how perfect the social security systems in developed countries were, and how envious they were! So how do we know the per capita insurance coverage and participation level in developed countries? If China wants to catch up with developed countries, it must not only catch up with them in economy, military, science and technology, but also catch up with them in social security system. Insurance is a tool for a country to stabilize society, and it is also a need for everyone and every family!

Some people here may want to say, if there is social security, what kind of commercial insurance companies are needed? Let me tell you, commercial insurance is a supplement to social insurance. With empty social pension accounts and increasing inflation, the integration of corporate pension insurance and commercial pension insurance is the general trend. Relevant understandings predict that by 2025, commercial insurance will account for 60% of the entire social security system in my country. Social security alone cannot meet people's increasing living standards. Therefore, the State Council formulated the "Several Opinions of the State Council on the Reform and Development of the Insurance Industry" (i.e., the Ten Articles of the Insurance Country).

There are countless family tragedies happening around us. In an ordinary family, if one of them gets a serious illness, the family will collapse; in a wealthy family, if the financial lifeline of a family is If something unexpected happens, no matter how wealthy the family is, they cannot afford the consumption of generations! Many people say that no matter how rich most Chinese people are, they will not be rich for more than three generations. If you analyze carefully, there is a reason for this. Li Ka-shing, the richest man in China, has this to say: "Others say that I am very rich and have a lot of wealth; in fact, the real wealth that belongs to me is that I bought enough life insurance for myself and my family." We are thinking about why the developed world The rankings of rich people in countries and regions do not change much every year, but the rankings of rich people in China are constantly undergoing changes. At least one of the reasons is that they don't know how to plan their wealth and how to transfer their risks. Insurance can be the continuation of a family’s prosperity! One day, I saw a slogan on the bus: "No one is so rich that he doesn't need anyone's help, and no one is so poor that he can't even provide a little help to others." Isn’t insurance the perfect embodiment of this slogan?

Of course, some people say that I have many friends and I can turn to them when I am in trouble. This is true, friends can lend you thousands or tens of thousands, but it is still a loan after all. Friends are not generous enough to take care of you and give you alms throughout your life, and they are not generous enough to take care of your family. It is better to control your destiny in your own hands. If you live your whole life relying on the charity of others, I think that kind of life may not be comfortable or stable.

Think carefully about what we are doing in life and who we are living for. Chinese people put benevolence, justice and filial piety first, and they must be worthy of their parents and family. However, benevolence, righteousness, and filial piety are for living people. There is no talk of benevolence, righteousness, and filial piety for dead people. Let’s try to think about it, if we encounter something wrong in the middle one day, who will take care of our parents and our family? Who is so capable of saying that he will not have any accidents or serious illnesses in his life? Unless it’s a god! There are many such cases around us. Someone is never sick, but when he gets sick, he develops cancer. Are there few such cases? They really want to leave happily, but as for the family, even the swindlers have to treat him! Isn't it? After all, it is a flesh-and-blood relationship! In the end, it still failed to save his life, but left a pile of debts for the family! Is he really that at ease?

Insurance is not an investment and may yield high returns, but insurance can preserve the value and protect your property from major losses! Insurance can also be a healthy savings, allowing living people to live a better life. In developed countries and regions, when someone in a family passes away due to illness, it generally does not bring disaster to the family (the disaster here refers to economic aspects), but may leave a legacy to the family. When something like this happens in China, most families will be left with huge debts. And our current goal is not to leave a legacy to the family, but only to not bring a burden to the family. That is enough, isn't it? There is a Chinese proverb called "Saving money to avoid disaster", which means that we would rather spend a certain amount of money than have any physical problems or accidents. But diseases and accidents are beyond our control, simply because we are only humans, not gods. Of course, we all hope that we and our families will be safe throughout our lives, and that our ability to make money will not be interrupted or end without illness.

But how many people really die without any disease? I really hope that mankind can really reach that day when hospitals are closed and doctors are unemployed. Of course, it is not only hospitals and doctors that are closed and unemployed.

Therefore, what I want to say is that insurance is not a scam. There is no deceptive method, and the country still strongly supports its development; insurance is not a pyramid scheme. There is no pyramid scheme, and the country still vigorously supports it. Support them to go public. The Chinese people should also change their views (I believe most people have changed their minds). If China’s economy wants to develop, the insurance industry must not be discontinued.

Developing the insurance industry is also a major event related to international people’s livelihood! Insurance is the transmission of love (the most important transmission of family love)! The insurance industry is a career of love!

Hope to adopt

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