Li Ka-shing, a Hong Kong billionaire, said, "People say I am rich and have a lot of wealth. In fact, the wealth that really belongs to me is to buy enough insurance for myself and my loved ones. " Many people don't understand why a rich man like Li Ka-shing should buy insurance. Isn't his wealth enough to resist risks? A wise man can see the next three to five years, but he may not see the next three to five decades. So insurance is a long-term arrangement. Insurers should know that life is priceless, and the core of wealth is the value of life. According to the division of insurance experts, people with different incomes have different emphases. Low-income people buy safety, middle-income people are for financial management, and high-income people are more for asset preservation. It is asset preservation, asset inheritance and venture capital that make insurance become attached to the rich. In fact, the rich have too many reasons to buy insurance. Asset inheritance shows that although the wealth of the rich is only a temporary digital accumulation, insurance can transplant wealth to the future through the form of law. If you make an insurance plan with a term of 10 years, you will have a lot of money to use when it expires. Enterprises should consider the future capital turnover, and life is the same. The most direct loss caused by many risks is the loss of wealth, and only this risk can be compensated. You can insure yourself with huge personal insurance before you die, so that your children can inherit part of their wealth tax-free. Strength reflects the needs of the business. Now many rich people have bought huge insurance policies in insurance companies. According to the insurer's analysis, huge insurance policies are often for personal purposes, such as business needs. For example, there is an enterprise with an annual turnover of more than 900 million, and a new overseas customer asks for a credit certificate. The personal life insurance policy of enterprise managers is a kind of credit, but the usual threshold is "100000 USD, and the annual premium is more than 200000 USD". In order to meet the customer's requirements, the manager took out a million-level insurance. A large insurance policy is a symbol of dignity, status and wealth. According to professionals, insurance companies are very strict in reviewing large insurance policies with premiums of more than 200,000. In addition to worrying about fraudulent insurance, insurance companies usually ask customers to take out insurance as much as possible. For example, the annual premium is 65438+ 00%-20% of the annual income, and the insured amount is 5 times of the annual income. Therefore, if the huge insurance policy you hold comes from a responsible insurance company, it is undoubtedly a trustworthy business card, symbolizing social status and identity. Risk Management Venture Capital For wealthy families, three generations of grandparents and grandchildren can't take the same plane. Why? Because a large number of property owners and beneficiaries are on the same plane, this is a big loophole in risk management. Another similar example is that overseas, directors with two voting rights cannot be on the same plane, because losing two voting rights may lead to changes in the whole enterprise structure. This is the importance of risk management. Once the risk occurs, how to arrange the family and career? It also includes some unfinished business. There must be a lot of arrangements. Making money without accidents is a kind of confidence; But once there is personal risk, the risk must be transformed into income. In fact, buying insurance is a passive venture capital and is used to make money. Generally speaking, venture capital is the project investment that people choose actively, and business always loses money. To make money, people are willing to take some risks of losing money. But as far as insurance is concerned, we should invest in risks that we don't want to take. When such risks come, first of all, we can't let them hit us hard. Secondly, we should not let wealth run away. It is best to turn risk into something to make money. There are usually two kinds of rich people: one with fixed investment income and the other with project nature. If the income belongs to the nature of the project, you can take out 5% of the profits to buy insurance, which only accounts for a small part of the assets, but it can form an appropriate security system. If it is a regular income, it is recommended to use the property with an annual income of 10% to insure. This arrangement is psychologically acceptable and can form a safe risk management system. If you want funds to generate more income, you can't let insurance take up too much money. The next generation of modern entrepreneurs are more and more risk averse, and the core of insurance culture is risk culture. The operating mechanism, risk management mechanism and team incentive culture of insurance companies are models that many enterprises follow. Entrepreneurs should not only have their own risk awareness, but also cultivate the risk awareness of the next generation of successors. Buying huge insurance and sending children to practice in insurance companies are good ways to learn insurance culture and cultivate risk awareness. Asset preservation, asset inheritance and venture capital make insurance become attached to the rich. The insurance industry has been developing rapidly all over the world. People who haven't learned to arrange their wealth with insurance can't be regarded as qualified rich people.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.