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? First of all, the rich know better than the poor that money needs investment, and they should pursue the return on investment. Money will never be in your hand (that is, holding cash) or all in the bank (because the deposit interest rate is low). You should spend most of your money on other investments, such as stocks, enterprises and bonds. But when you or your family are at risk, it is difficult to raise money at hand. Therefore, in order to have enough financial protection in the event of an accident, you should use part of your wealth for life insurance. This will relieve your worries about investment. This is the so-called "three directions": bank, stock, insurance and family investment. Insurance is also a good way to avoid taxes. You can insure yourself with huge personal insurance before you die, so that your children can inherit part of their wealth tax-free. Is it your wish to be rich for more than three generations, to be sustainable and to be exempt from inheritance tax? Buy insurance, of course, for protection, such as pension, medical care, accidental injury. However, according to the division of insurance experts, people with different incomes focus on different purposes. Low-income people buy safety, middle-income people are for financial management, and high-income people are more for asset preservation. In fact, the rich have more than n reasons to buy insurance. First, the strength is reflected. The biggest personal insurance policy needed for doing business in Xiamen is the annual premium of 5 million, which is the fourth largest policy in China. According to the insurer's analysis, huge insurance policies are often for personal purposes, such as business needs. There is an enterprise with an annual turnover of more than 900 million, and a new overseas customer asks for a credit certificate. The customer said that the boss's personal life insurance policy is a kind of credit, but the usual threshold is "654.38+million dollars, and the annual premium is more than 200,000 dollars". In order to meet the requirements of customers, the boss took out a million-level insurance policy. 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. Second, Cai Wanlin, the richest man in Taiwan Province, paid only 600 million yuan in inheritance tax to preserve the value of assets and pay off debts, and the main contributor to tax saving was his insurance policy. With insurance alone, he bought 6.2 billion yuan, and Cai Wanlin's property was "safely" passed on to his heir because it was tax-free. There is no inheritance tax in Chinese mainland, but many people plan ahead. Some rich people designate beneficiaries by buying insurance. Arrange inheritance in advance. More realistically, insurance is used as a human shield. There is a businessman in Jinjiang who suffers from friends asking him for money from time to time. Nine times out of ten, the money he borrowed will not come back. If you borrow, there will be sinners; if you don't borrow, there will be sinners. One day, inspired by the insurance company, I was enlightened, so I bought insurance with the rest of the money. Great, someone came to borrow money, and Lao Shi said plausibly, "Sorry, why didn't you come earlier?" My money is insured in advance, and insurance means withdrawing it in advance. Consult the insurance company if you don't believe me. "In the past, a large part of the money earned from doing business was to make' bad debt reserves' for others. Now the security of the money is guaranteed and needs to be turned over. You can also use a policy to borrow money from an insurance company. The businessman is very proud of his decision. Third, absorb culture and cultivate the next generation of modern entrepreneurs to have more and more awareness of avoiding risks. In the final analysis, the above two alternative reasons are related to risk awareness and direct economic benefits. But there are also people who become attached to insurance in order to learn management or train the next generation. Because the boss of a big entrepreneur bought insurance, he realized that the competitive environment of insurance companies was fierce, which was good for his daughter's exercise and growth. Moreover, he appreciates the company's culture and management mechanism very much. He asked his daughter to integrate into the group and have a deep understanding of the company's management methods. There are also small business owners who secretly learn the incentive mechanism of insurance companies through daily contact and apply it to their own enterprises. As a result, they not only retained technical staff, but also attracted technical staff from neighboring enterprises, easily won the "recruitment war", expanded the scale of enterprises, and boarded the outsourcing ship of well-known brands.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.