Posted by In the past few days, a data about the post-90s has shocked many post-70s and 80s:
Post-90s per capita holds 4 insurance policies, of which 2.7 are health insurance, followed by accident insurance, life insurance and education insurance..The 90 products that are highly sought after by the post-10s generation have an average premium level of less than 4000 yuan, with an insured amount of mostly 50 yuan. They are all protection insurance products with high protection and low premiums.
For report analysis, please refer to http://www.chinanews.com/cj/2018/05-04/8506134.shtml
At the age level, more than half are concentrated in the age of 26-28. The post-90s in this age group enter the peak of marriage and childbirth, and most of them will plan insurance for themselves and their families. Post-90s have become a well-deserved main force of insurance consumption.
In addition,Although post-90s policyholders’ consultation volume is second only to post-80s, their decision-making cycle is the shortest, 80 days faster on average than post-3.6s.Data shows that after 90s post-59.3s after making an appointment for consultation, transaction conversions within one week accounted for 1%, of which long-term health insurance (life insurance with an insurance period of more than 90 year) accounted for 48% of post-XNUMXs who successfully insured within a week.
In this regard, some media analysis said that this has a lot to do with the consumption habits of post-90s. On the one hand, post-90s consume pragmatic and rational consumption, emphasize individuality, and pay for things they like. Advertising promotion, shopping guide information, etc. have a greater impact on them. small.On the other hand, the post-90s generation has a strong ability to screen products independently. Even in the face of more complex financial products such as insurance, they can find products that meet their needs in a relatively short period of time.
In the finals of Beijing Satellite TV's "I Am a Speaker", Fang Qi, a post-90s girl, shocked the audience with a "Power of Insurance":
Among them, she mentioned the experience of her aunt suffering from cancer, which resonated with the audience:
My aunt's family is very rich, but because of cancer, she was stretched out in just one year.But this is all fortunate. Among her patients, there are many people who sell houses, sell cars, owe debts, and bankrupt their families.Not to mention restoring the once exquisite life, even maintaining a livelihood has become the biggest difficulty.
She is such an intellectual who has been beautiful for a lifetime and a lifetime of innocence, who regards money as dung, and told me personally that she said it is good to have money!
She is most fortunate that she is insured. She feels proud that she can afford the medical expenses for herself, because she does not need her family to worry about her. After a brief period of panic and despair, she can even regain her composure, because she knows As long as it can be cured, she can afford it!She does not need to bear the sacrifices made by her family, so she can face cancer very positively and optimistically, and even retains a trace of dignity, but too many people are not so lucky...
If you look at the latest analysis report on the incidence and death of malignant tumors in China released recently by the National Cancer Center, the data shows that on average, more than 1 people are diagnosed with cancer every day in my country, which means that 7 people are diagnosed with cancer every minute. Confirmed.And the incidence of malignant tumors is at a low level between 0-39 years old, and it starts to rise rapidly after 40 years old, and reaches a peak at 80 years old.
So, by age, people born in 1970 are 48 years old this year! People born in 1979 are 39 years old this year!It is said that the age of 40 is a hurdle for health. Is it true that under multiple pressures such as career, life, and social life, you who are determined to be sub-healthy are really not worried at all?
People born in the 70s and 80s, which one is not in the critical period of "the old and the younger ones"?If at the age of 20, there is no concern about freedom to come and go, if something really happens, maybe the parents are still young and in good health, and they can continue to support each other.But you who are about 40 years old?Once something goes wrong, who will pay the unpaid mortgage?Who will pay for the child's parenting and education expenses?How can elderly parents bear it?How do you explain to a lover who has vowed for life?
Insurance is different from other products. On the one hand: the same product, the same insured amount, and the same coverage period, the younger the younger the lower the premium; on the other hand: the underwriting is very strict!Not only can you not buy it when you are sick, and you cannot buy it when you are old, but many insurance companies have also set a ceiling for exemption from medical examinations!For example, company A stipulates that you don’t need a physical examination if you buy 60 critical illness insurance, but company B may require a physical examination for 50.Of course, the younger you are, the higher the upper limit of exemption from physical examination is. This rule is basically universal.Generally speaking, 40 years old is a hurdle, you may buy 39 yuan at 60 years old without a physical examination.However, once you pass 40, you may have to take a physical examination if it exceeds 30. Once the physical examination is unhealthy, you may have to increase the fee, postpone it, or exclude liability or even refuse the insurance!
Perhaps the most painful thing in life is not that I can't, but that I can!
When the most insured and the most capable of insuring, buy insurance for yourself and your family: let the savings of many years not be emptied due to an illness, so that the warmest home will not fall down due to an accident, so that The dearest parents, lovers, and children will not be left alone because of someone's departure...
Remember: time is fair, everyone’s day is 24 hours, time is the easiest to get, but it is also the least cherished.In life, people often say that you want to make up time, but if it is wasted, it is wasted. If you miss it, you can't go back, just like the dissipated youth, just like the time slipping away with your fingers now!Don’t always feel that it’s still too late. It’s a saying, "Remember that a young man riding a wooden horse is a white-headed man in a blink of an eye."
