Value one: a sense of security for the elderly-insurance ensures the security of old age.
Problem: Living too long greatly increases the cost of living and medical care after retirement. Inflation makes the future full of uncertainty, the peak of aging is approaching, the gap of social pension is widening, and it is not reliable to raise children to prevent old age.
Problem solving: Birth, aging, illness and death are life processes that all living things must go through. Everyone can't control his own "life and death", but he can completely control his own "old" in his own hands. Although there are many difficulties in providing for the aged, life insurance can ensure that everyone can feel safe and enjoy a dignified old age.
Value two: get sick and seek medical treatment-insurance makes people sick and affordable, and life is not discounted.
Problem: Many people don't really understand the essence of medical insurance, that is, medical expenses cannot be fully reimbursed. It has strict personal payment ratio, the top line of medical insurance and the payment ratio of major diseases, as well as clear provisions on the scope of drug use and inspection payment. Moreover, the bankruptcy of a family often begins with a serious illness, and it is the high medical expenses that make people sick.
Problem solving: "Health is 1, others are 0", and its importance is well known! However, no matter the sages or the people, no one can guarantee that they will not be disturbed by the disease, but health insurance such as critical illness insurance can provide people with sufficient "ammunition" to fight against or even repel the enemies of the disease.
Value 3: the continuation of love-insurance is the guarantee for the continuation of family and great love.
Q: In 2008, China experienced too many misfortunes: Wenchuan earthquake, snowstorm in the south, Sanlu incident, successive mine disasters ... Life is full of crises and life is unbearable.
Solve the problem: No one can predict the misfortune in life. What we can do is to buy enough life insurance for ourselves when we are still in good health, because once something goes wrong, only insurance will continue our love into the lives of parents, wives, children, brothers and sisters.
Value 4: Caring for teenagers-Insurance escorts children's educational planning and growth.
Question: How much does it cost to raise a child? Perhaps many parents are confused about this because true love is priceless. A social survey in Shanghai shows that raising a healthy child, excluding tuition fees, school selection fees, counseling fees and interest classes, costs an average of 490,000 yuan. But which parent is willing to let their children lose at the starting line? The "starting line" has pushed up the money and it is difficult to study abroad.
Solution: In western developed countries, the popularity of life insurance policies is high because many parents have long considered that their children's growth and education cannot be guaranteed in the event of an accident. Paying attention to education is a fine tradition of the Chinese nation. The one-child policy makes parents pay more attention to their children's growth and education. Therefore, parents in China should take out life insurance to ensure their children's education and growth.
Value five: strong dependence-insurance will free you from worries and make every effort to achieve your career.
Q: Whether you have professional skills or not, in a market economy, everyone will face the social risk of unemployment. At this time, if you encounter accidents, diseases, etc. It can be said that it never rains but it pours.
Solve the problem: With the change of the planned economic system, people are facing the danger of losing their "rice bowls" while facing the development opportunities, and life insurance is enough to eliminate the hidden worries that may be brought about by unemployment, accidents and diseases.
Value 6: Give something to your loved ones-miss your parents for drinking water and adopt your parents for life insurance.
Question: Traffic accidents, as the first killer of young people's death, have become a veritable "first harm in the world", and security enemies from diseases, unsafe food, dangerous jobs and even entertainment places are constantly spying on young people's lives.
Solve the problem: If you are a caring dutiful son, please buy yourself a low-cost pure accident insurance first, no matter how much money you earn. The beneficiary should write down his parents' names. When you have an accident, insurance can fulfill your obligation to support your children on your behalf.
Value 7: Disabled people have a goal to strive for-accidents and diseases cause physical disabilities, and insurance protects my dignity.
Problems: The hidden danger of enterprise safety is great, and the social work injury protection is low. In the event of personal injury, not only will a dignified life be lost, but the normal life of family members and children will also be difficult to guarantee.
Solution: If there is no guarantee, those who are disabled due to industrial accidents or diseases will lose their dignity because of the lack of living security, and insurance can add a solid "safety net" to their lives.
Value eight: money is accumulated-small money becomes big money, and value-added security.
Question: Moonlight Family embodies the concept of saving consumption of the younger generation. In fact, not only young people, but also people who hold the concept of instant satisfaction. Even if their money is in the bank, it is difficult to really accumulate wealth.
Solution: Many insurance products will become a lot of wealth after 10 and 20 years, and only a small investment of 1800 yuan is needed every year.
Value 9: Capital preservation production-the safest way to preserve value is to buy insurance.
Problem: With the increasingly rich content of social and economic activities, there are so many investment channels and varieties that ordinary people are at a loss. What is even more worrying is that many people still don't have enough insurance concepts and awareness.
Solve the problem: Whether it is endowment insurance or investment insurance products, most of them have the function of preserving value and possibly increasing value. More importantly, this product can also have multiple protection functions such as accidents, medical care and hospitalization subsidies. In the financial turmoil, it can be said that nothing is safer than buying insurance products. As for family property insurance, the variety is also very rich, with protection and investment, short-term and long-term, and basic and comprehensive insurance.
Values 10: Wealth is accepted-accumulate wealth for a lifetime, and have no regrets about Hui Ze's relatives.
Problem: Even the billionaires, who invest in industry, buy houses and land, buy cars, etc., inevitably have to bear the burden of bank loans. Once they have an accident, they will leave their relatives with debt troubles, not wealth.
Solution: Some people think that the wealth in their own name can not only make them enjoy their old age, but also make their children and grandchildren enjoy it endlessly. As we all know, an accident is enough to wipe out all the wealth, and only life insurance can solve this problem.
Life insurance has two major functions for enterprises:
First, it can reduce the operating cost of enterprises: it is a good strategy for enterprises to pay the annual welfare funds to life insurance companies to bear the illness and death of employees, which is to reduce the cost of enterprises and effectively use funds.
Second, it can improve the morale of employees: insuring life insurance for employees who have made outstanding contributions and are active in their work can let employees have no worries and let them devote themselves to their work.
Third, the ability to retain senior talents: the advanced technology, sales and management talents of enterprises are the key to the development and growth of enterprises, and their departure will cause huge tangible or intangible losses to enterprises. Insuring them with high life insurance is a powerful means to keep them.
Fourth, it can enhance the company image: insuring employees can increase the cohesion of employees and enhance the company image.
5. It can be used as credit and low pledge: the high-value insurance policy led by enterprises can be used as a kind of credit and mortgage to win bank loans, borrow funds or mortgage loans.
6. It is beneficial to the management and development of the partnership: with the retained funds of the enterprise, each partner can be insured with high safety. In case of an accident of the partner, this insurance indemnity can be paid to his family, so as to avoid withdrawing funds and affecting the development of the enterprise.
Seven, some risks of enterprises can be reasonably passed on.
Eight, is conducive to the improvement of enterprise welfare.
9. It is beneficial for enterprises to reduce their tax burden: according to the law, some insurance premiums can be paid before tax.
X. It is conducive to the rational use and saving of funds by enterprises: avoiding loopholes and waste in fund management.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.