Health and happiness are what every family hopes for and strives for.
People's yearning for a happy life has shifted from material needs to the pursuit of wealth and the need for family security. More and more people have realized the importance of family finances and the importance of insurance to the family. After all: When people reach middle age, they are older and younger, and they are still burdened with housing loans, car loans, and various loans... If the breadwinner of the family is unfortunately diagnosed with a serious illness, the family's small savings may be wiped out. Little by little exhausted.
Everyone will grow old, and old age will inevitably face many diseases. Although the advancement of science and technology and the increasingly advanced medical level can effectively treat many diseases, the premise is that you must be able to pay the expensive medical expenses. .
Therefore, buying insurance has become a social consensus. How to buy suitable insurance is currently a problem that most people need to consider.
A "super all-in-one" insurance that became popular many years ago, focusing on "treating patients if they are sick, and receiving money if they are not sick". It not only solves the health security issue that people are most concerned about, but also brings additional benefits. This is in line with the psychology of many people who invest less and get more return. Some young people even hope that the insurance they purchase can solve the problem of elderly care and childrenâs education. of many problems.
But as long as you calculate carefully, this kind of all-round insurance not only does not provide high protection, but the high return it advertises is not as high as the return on bank time deposits. Once a customer makes a successful purchase, it is not that easy to exit.
Next, Dr. Mengmeng, a senior insurance professional, will give you a lecture from an objective and neutral perspective, comprehensively explaining the traps in insurance.
Dr Since Da Mengmeng started working in insurance consulting, she found that among people who have purchased insurance, the proportion of people who have purchased the wrong or expensive insurance accounts for as high as 90%. Everyone always feels that with an insurance policy in hand, they can fight against all the diseases, accidents, pensions and many other problems they may face in the future. Is this really the case? How much do you know about the minefields in insurance?
A young man was worried about his health due to working overtime too much. He once consulted Dr. Da Mengmeng. The first question he asked was: Can insurance provide effective compensation after sudden death? Is it enough to choose between medical insurance and critical illness insurance?
As a new member of the family, what kind of insurance canât you buy? What pitfalls should you avoid when choosing insurance? Why is the more comprehensive the insurance, the more pitfalls it has?
Dr Da Mengmeng will answer everyone one by one.
01
Super universal insurance = canât protect anything
html The post-80s generation is entering middle age and is worried about the entire familyâs mortgage, car loan, firewood, rice, oil, and salt. "There are old people at the top and young people at the bottom", and family responsibilities have become increasingly important. At this time, many people choose to buy insurance for their elderly parents and newborn babies. However, from an economic point of view, various protections for young people, who are the breadwinners of the family, are more important, because they play an important role in protecting the family. is vital to its proper functioning.Many people born in the 1980s who have purchased insurance for their families have stepped into a minefield. Some people have purchased various insurances for their parents and children, but they themselves are in a state of " streaking "; some people have bought fake serious illness insurance Insurance, some people spent more than 30% more than normal, etc.
02
Super all-round insurance = covers nothing
If an insurance can solve all problems, then there is only one truth!
The truth is that this product allocates part of the money used for health protection to financial management. Therefore, its ability to provide health protection has been severely weakened. It seems to cover everything, but in fact the insurance amount is very low, which is basically equivalent to "nothing". A brief analysis of this situation will make it clear: the money originally belongs to you, but you insist on giving it to the insurance company for financial management, and most of the returns from financial management are less than 2%. If you want to redeem this fund, you have to Deduction of handling fee. Handing this money to an insurance company is like money going into a dead end and you can't get it out. It's definitely like picking up sesame seeds and losing the watermelon.
03
If you buy a refund-type insurance, be sure to note that
the refund-type insurance advertises that it is guaranteed now and you can receive money in the future! However, the cost of purchasing such insurance products to fully cover the insured amount is far higher than that of ordinary consumer insurance, and most families cannot afford such expenses.
More importantly, the actual return rate of such financial management is far lower than promised and demonstrated. It is far less cost-effective than buying a consumer insurance. Using the saved funds to purchase financial products, the final income often exceeds this. The income "returned" from insurance-like insurance.
If your family does not have a stable source of income and you need money urgently during the insurance purchase and request to surrender the policy, a very low cash value will be returned to you. Cash value, also known as "cancellation refund" or "surrender value", refers to the value of a life insurance policy with a savings nature.
04
Buying an annual rebate insurance with daily interest and monthly compound interest = not buying
Every insurance company has a good start with a lot of promotional products. If you donât rush to buy it, it wonât be a good start. Receive it monthly, yearly, and receive bonuses from the universal account! This is too cost-effective. If there is no strong anti-interference ability, we will regard this type of insurance as "top-quality insurance", but we also ask friends to analyze it carefully and rationally.
This is financial insurance! Financial management and pension insurance are types of insurance that should only be considered after the age of 35 or even 40. They should only be considered after the insurance budget and financial management budget are relatively sufficient. Moreover, the actual rate of return of this product is much lower than the demonstration, so you need to be cautious when purchasing. Itâs difficult to return a product after purchasing it.
Therefore, the best protection is definitely not the so-called comprehensive insurance!
There are specialties in the technical industry, but most peopleâs understanding of insurance is basically still in its infancy. Everyoneâs attention is focused on the analysis of a certain insurance product, but they never seriously think about what their real needs are, and they canât grasp it. The main contradiction and core demand have caused the entire insurance market to become a product-oriented and performance-oriented unhealthy cycle system.
Listening Tips:
1. What are the risks faced by different family members? What kind of insurance can cover these risks?
2. How to use a limited budget to provide sufficient insurance coverage and balance different family roles?
3. How to identify sales routines, avoid pitfalls and buy useless products?
Lecture details:
Lecture time: 19:00 on April 25, 2019 (Thursday)
Lecture type: 0 yuan science popularization lecture
Listening method: Long press and identify the QR code below, follow the "Dr Snail Insurance" public account , you can get a limited free open class quota worth 99 yuan.
Disclaimer: The above promotion content of
is corporate business information. Please be careful when purchasing. It is for readers' reference only. (Promotion)
