Recently, the TV series "Only Thirty" has become a hit. Speaking of the three heroines, who is the most powerful? This vote must go to Gu Jia .
Whether it is his decisiveness and wisdom when dealing with difficult matters in the company, or his meticulous care of his family, Gu Jia can be said to be perfect.
However, small bourgeois middle-class families like Gu Jia, without exception, are still in trouble when large corporate customers withdraw their orders. There are elderly people to support, children to raise, and the company also has a large number of people to support.
In order to reverse the difficulties faced by the family, Gu Jia, with the help of Mrs. Wang, borrowed money to buy more than 100,000 yuan of brand-name bags, and successfully entered the "wives circle". Later, she even canceled her insurance policy and opened a store to further win over her. The relationship with the "wives circle"...
So, don't look at the middle class as a small bourgeoisie, but it is the same when encountering difficulties. Is there a better solution? The answer is yes.
Judging from the fact that Gu Jia can use the refunded premium to buy a store in the center of Shanghai and decorate it into a very stylish afternoon tea shop - this premium is not cheap ~
What kind of knowledge is contained in this? Now let’s share some science with you about the cash value of insurance policies.
Policy cash value refers to the value of a life insurance policy with a savings nature. That is to say, the insurance company usually sets aside a liability reserve to fulfill its contractual obligations. If the policy is surrendered midway, the liability reserve of the policy will be used as a refund for the termination of the contract. The amount that the life insurance company should reimburse when the insured requests to terminate the contract or surrender the policy.
Generally, a policy with a 'cash value' is a long-term life insurance with a savings nature. Such as: endowment insurance, whole life insurance, pension insurance, universal insurance and dividend insurance , etc. One year after the policy is purchased, the policy begins to have cash value. The longer the payment period, the higher the accumulated cash value.
Based on this logic, Gu Jia can definitely use insurance policy loans to obtain funds for his stores.
Policy loan is a loan method in which the policy holder can mortgage the policy he holds to the insurance company and obtain funds according to a certain proportion of the cash value of the policy.
Moreover, the insurance protection will not be affected during the pledge loan process, and the policy will still be valid. What's more, the interest rates on such loans to policyholders are often below market rates.
Therefore, if Gu Jia uses the "policy loan" method, he can not only retain the original protection function of the policy, but also obtain a loan interest rate lower than the market, which is really two birds with one stone.
No matter what position you are in, you still need to spend more time understanding and learning so that you will not suffer from the "IQ tax" when encountering a crisis. This is the most important piece of advice.
