Category: Insurance tips Release Date: 2006-08-01
The role of life insurance is not necessarily every person will encounter natural disasters or accidents, but who also can not guarantee that disasters do not happen to his head. Therefore, we must take precautions before no worries. The primary role of life insurance premiums is to determine the uncertainty in exchange for payment of damages. The compensation paid to the insured person's life people from distress, to live with peace of mind, the insured person can lift troubled by disasters. Life Insurance on the stability of people's lives, promoting social stability and ensure the stability of the state, have played an active role.
on the role of individuals and families. A stable life, family happiness, is the common aspiration of the people. But sometimes people are hard to avoid all kinds of personal risk. For example, the child has not yet living independently prior to the main workers in the family suddenly died, leaving families in trouble; or family member is ill, not only to pay more for medical expenses, but also affect labor income, affect the economic life of the family ; With the annual growth of their children's education, marriage and other expenses, but also will increase the financial burden on the family; plus Exalted life expectancy is extended, retirement time has also come to lengthen, so pension problems of concern for each family. All of these, if not planned, the total can not help looking back to an individual or family of the disturbance. Only by participating in life insurance, can be guaranteed. Therefore, life insurance can solve: (1) a sense of security worries left behind. People live longer, the right dignity must be prepared to being prepared. China is a socialist country, units of state-owned enterprises or institutions in the employees to the retirement age, generally have a retirement pension system, a public institution handled by the State. If that can not live off the pension, you can maintain at their own expense to the insurer plus the old insurance. Old-age retirement system for the yuan is still part of collective enterprises and workers, rural social enterprise team workers, self-employed and rural farmers, they have an urgent need to apply for pension insurance, according to circumstances and conditions, by the collective or individual insurance. In this way, can ensure that elderly and medical care, thereby improving their living and working enthusiasm. (2) to eliminate worry, stable life style. Unfortunate accident, there is a chance, and no one can predict. For most people, the victims are few. However, as long as there is the possibility of an accident, people will inevitably have to worry about. To this end, each person or family through life insurance to lift or ease the physical hazards of life, so that livelihood is protected and to achieve a sense of security, thereby lifting the spirit of the burden of work without distraction. (3) help to increase their savings, planning their lives. Usually each person or family as long as a few flowers, a small number of insurance, and these premiums through a variety of forms to be returned, so that life can be planned to make arrangements, and all accidents and unsafe factors that influence people by the insurance of the commitment to the family and personal life are protected.
of society and the role of the state. Central to the research and establish a social security system, as a guarantee the smooth progress of reform and an important condition for success, but also social stability and national long-term stability of the basic plan, its specific role is to: (1) a stable social order, to ensure that the "four modernizations" construction . People due to personal insurance protection and remove the worry and get some sense of security, and thus make possible a stable social order, people have to be stable, everyone can focus all efforts should be used on modernization. (2) Life Insurance is a multi-level social security system, an important part of playing a "social stabilizer" role. Currently every country in the world to establish and perfect the social security system as the progress of human society a trend. According to the experience of some countries, where the scope of social security package too much, and the so-called "from cradle to grave" is not a good idea. The past, our nation pack too much, too unification dead, in this regard is very profound lesson. To this end, the central provisions of the relevant documents to establish and improve the security system from our country's current conditions, starting strength, and that social insurance funds and to change the past, all the way down by the state package. Also pointed out that the new social security system with the family in the neighborhood help each other to carry forward the fine tradition of combining. Therefore, in order to promote a "national security basically, companies engaged in complementary and individuals engaged in voluntary insurance," the security system to shore up people's lives, but life insurance is to use the power of the community help each other to meet the security needs of the latter two levels. So, life insurance in the establishment of the three pillars of social security at an important complementary position. (3) contribute to the currency withdrawn from circulation, the accumulation of capital. With the development of production and the gradual deepening of economic reform, social consumer demand and consumption, supply a great change. Personal insurance can continue to put huge amounts of money are converging to sporadic funding, under the supervision of the country, through investment channels into the country's various economic sectors. At the same time can also be withdrawn from circulation currency, financial stability, developing national economy. Since the majority of life insurance for more than five or ten years long-term business, so the accumulation of capital, most of the insured person to go after old age benefit, an objective to become a long time, good stability, short term does not summarize the long-term savings for nation-building. Therefore, the life insurance money can be withdrawn from circulation, to stabilize the financial, construction funds for the state gathered to play a role.
Life insurance can eliminate the people's economic worries and the provision of social security, and can correctly guide the flow of funds, so that part of the consumer funds into construction funds, and thus the use of life insurance as a means of regulation, the implementation of macro-management, contributes to social aggregate demand and total supply balance. Therefore, life insurance can promote economic development, to bring prosperity to the community.
