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Data:2009-12-12 2:34
It has been said earlier, personal insurance, personal financial planning will become a very important part of money to rely on insurance to protect life, more money needs to rely on insurance to preserve the property. However, many people's understanding of life insurance there are still more or less errors in urgent need of attention.
Misunderstanding one: insurance companies are "cheating" money. A state-owned enterprises in Beijing, Mr. Zhang met a day, insurance agent, exchange business cards later, Mr. Fu will be increased "vigilance", regardless of how an agent introduction, explanation, Dr. Fu is always closely " muffle "the wallet for fear of being insurance companies" cheating "the money to go.
Positive solution: The insurance agent come into contact with most people, there is always a fixed Thinking: Insurance is to deceive his own money, insurance companies, agents have put it better, but also their own money, but was attracted by the , Be careful not to be taken. Of course, there is indeed some individual insurance agents, intentionally or unintentionally exaggerated the interests of the insured. But for the people, the investment insurance is a win-win. You have to put their money in insurance, no any accident or major illness, you can do to recover the interest and input is almost, maybe not as good as your stocks are doing better, but you still win, because you are safe and sound, which is the largest life well-being. If any accident or major illness, insurance gives you protection and payment, but also enable you to deal with the immediate difficulties, you still get benefits.
Misunderstanding number two: buying insurance does not unlucky. Hardware to do a lot of business Laolv usually taboo, involving business, health, family, etc. was very attention. Unfortunately, though careful to talk about insurance agents to avoid, but some related to health, "accident" and other words or inevitable, Laolv flew sink in the face, naturally, we all talk no longer.
Positive solution: the so-called insurance is to deal with emergencies, just in case. To invest in insurance, can not be separated, "Birth, aging, illness, death, disability" and other words, there is some form of disaster, language, and these words is that people do not like to see. Little did they realize, "days of unpredictable things can happen, people have good and bad fortune overnight," to buy insurance is a necessary means to cope with unexpected events, therefore, is tantamount to buying insurance to buy peace. The principle of Utmost Good Faith-based insurance, these areas must also state clearly can not be avoided. In fact, the risk of life insurance is a kind of scattered, these so-called unlucky words, it is a much-needed life to protect, but also to take into account your unlucky.
Misunderstanding number three: do not buy insurance to protect the investment. White-collar workers in a foreign company to do, Mr. Zhou likes things that invest in something, since the access to insurance, often the insurance as an investment to analyze and compare, with a total investment in insurance proceeds that little or calculate their investment returns in another context, large . Therefore, the insurance has always been just "think about it."
Positive Solutions: Banks cut interest rates after a row, especially since the abolition of dividend feature health insurance, individual life insurance companies have to adjust the structure. The past, mainly with the investment function of insurance compared to the old, the new insurance pay more attention to safeguards, adding a lot of very useful selection of policyholders features, such as reducing the amount of cross-ching, policy loans, convertible interests and increase the rights and interests of the insured amount . However, due to less dividends and other earnings, people marked the acceptance of new types as before. In fact, the emphasis on insurance, an inevitable bias towards the investment function of life insurance investments, neglect of personal accident and health insurance investment life insurance market is immature performance.
Misunderstanding of the four: focus only on buying insurance for their children. Down into the middle-aged Mr. Yao is also very concerned about the insurance, early for his daughter bought some insurance. However, when speaking their own, but it is faint smile, "I want to buy what kind of insurance? There is no need."
Positive solution: talk about a lot of people were concerned about the insurance for the children to buy insurance, it seems that for the children to buy a whole life can be considered as a safe for the children to buy. In fact, parents are the main creators of household wealth, once they have due to accident, disease, loss of working capacity, the reduction or loss of income, the family would be in trouble, let alone the insurance to pay premiums for their children had. In this way, children's insurance premiums are a problem, and how to feed their children in order to protect? Clearly, for parents to buy insurance in order to give children to learn, life in order to protect in order to give families a safe. Life science portfolio of the family not only to buy insurance for their children is more important for parents to buy insurance.
