Posted by In the first year of 2018, the People's Daily issued a document praising the insurance industry:
The article frankly:
Starting a technology-based company is like making a big bet. After a long product development period, the company will have its early days; if it fails, the initial investment will be exhausted, and it can only go bankrupt when the funds are exhausted.The success or failure of start-up technology companies depends on capital, but there are too many restrictions on bank loans, which makes technology companies that are "asset-light, difficult to mortgage" and in urgent need of funds feel distressed.
In the past, because there was no guarantee of fixed assets, Hou Pengbo was struggling to find bank loans everywhere. At the end of 2015, PICC issued the first "Credit Insurance Loan" policy for Hanbo Technology.With this new path, Hanbo Technology obtained a "life-saving" loan of 500 million yuan from a commercial bank.
With its help, Hanbo Technology has gradually grown bigger and stronger. "The company's 2017 sales are expected to be around 1 million yuan, and profits are around 1500 million yuan. A new R&D center is also under planning," said Hou Pengbo.
Of course, the reason why the party media values insurance so much is that it can provide individuals and small, medium and micro enterprises with powerful and timely financing services-"making money". The function of the field cannot be underestimated, and it has a great influence on a person and a family:
Statistics show that among the 7000 million poor people in my country, 42% of them are impoverished due to illness!
And if, on a certain day of a certain year, certain month, 50 yuan must be given to the hospital, there are several ways to raise this money, which one do you choose:
a: You can save 50 in the hospital at once, and you can't take it at will;
b: 2.5 are stored every year, which must be maintained for 20 years, and the disease must be regenerated after 20 years;
c: Use 1 to buy insurance every year, even if it only pays for one year, the insurance company will pay 1 in compensation;
d: Borrow money from parents, brothers and sisters, relatives and friends, but even if you are willing to help you, how many are capable?
d: Use the Internet to initiate easy fundraising and media fundraising. You have to put your face down and beg, and like d, I don’t know if it can be raised.
You know, once you get seriously ill, there are three kinds of money that must be spent: medical expenses, rehabilitation expenses, and income loss expenses!If you don't prepare in advance (critical illness insurance + medical insurance), spending all your savings is a matter of minutes, and dragging down your family is a no-brainer.
The reason why it is called an accident must be unexpected. No one can predict or control it.
In the event of misfortune, it can range from small bumps to the bones and muscles; in severe cases, emergency medical treatment or even disability is required.
But do you know what disability means?Not only will you temporarily or permanently lose your ability to work, you will not be able to make money for your family, but you will also spend a lot of money!The client instantly changed from the pillar of the family to the oil bottle!
But if you have accident insurance (additional accident medical insurance), you can be responsible for the medical expenses, disability, and even death caused by the accident!For the person concerned, there is less guilt with dignity; for the family, there is the capital for follow-up life.
In many cases, life insurance is definitely the most important of all insurance products!Because it is responsible for the most serious and extreme situations: total disability or death caused by accidents and diseases!
When a person leaves, does it really take nothing away?wrong!He took away something important to life-the ability to earn money!
假若一個人現年30歲，年收入20萬，那麼以後30年中，他將給家人創造20萬×30=600萬的財富！而這筆錢將用作房貸、車貸等銀行債務的償還；爸媽的養老錢；孩子的教育金；日常開支的生活費；高收益的理財投資等……
But when the income comes to an abrupt end, what should the family members protected by him do?Who will pay the mortgage?What about parents' old age?Does the child have money to go to school?To what level should the standard of daily life fall?
What life insurance can do is to price a person's life!When he is there, he is here to protect his family; when he is not there, the multi-million indemnity payment can take the responsibility for him.
How do you live in your old age?I believe everyone has longed for the most beautiful scene, but how to put it into practice?The material basis absolutely determines the superstructure!
The Minister of Human Resources and Social Affairs Yin Weimin once said bluntly: "In the 90s, the dependency ratio of my country’s pension insurance was 5:1, and 5 insured persons supported 1 retiree. Now it has dropped to 2.8:1, and the decline will continue. This poses severe challenges to the payment pressure of pension insurance funds and sustainable development."
And according to the calculations of the World Bank, if the pension replacement rate (the ratio of a person’s first month’s pension received after retirement divided by his salary received in the last month before retirement) is not less than 70%, the elderly will retire There will be no significant decline in life and before retirement. How many people can do it now with social security alone?Once there is another serious illness in old age, I am afraid that the consequences will be even harder to think about.
And if you have enough critical illness insurance, medical insurance, and commercial pension insurance when you are young, the above may not be a problem.If you are sick, you have to pay for it with the corresponding health insurance. In ordinary days, if you have a basic pension + a commercial pension, your life will never be bad.
When parents buy insurance for their children as the insured, there is a special feature that can be added, that is, premium exemption (the so-called premium exemption means that the insured or the insured reaches certain specific conditions during the payment period stipulated in the insurance contract). (Such as death, disability, severe or mild illness, etc.), the insurance company is approved to agree that the insured can no longer pay subsequent premiums, and the insurance contract is still valid).
When the insured's parents suffer from the unfortunate incapacity for work, children who have no economic income can still continue to receive insurance asylum.
The biggest meaning of insurance is protection.When there are uncontrollable risks in the lives of oneself and the family, insurance is a barrier to ensure that the quality of life of the family will not be changed.
And no longer worry about "an accident or a serious illness will ruin a home", "no matter how hard I can save enough money to buy a bed in the hospital", and no longer worry about this, when I am extremely anxious, whether my life or work is Easier?Can you work harder?Will the probability of obtaining high-risk returns be higher?
How much insurance you buy, your worth is, the higher your worth, the stronger your financial strength.A boss who bought a high-density insurance policy said: "When you do business with someone else, telling him how much life insurance you have bought will show the value of your life and financial strength, which is very convincing."
Many wealthy people now have huge insurance policies.Because there are many partnership enterprises, there are great risks in the process.For example, two people each contribute 500 million to establish a company. In case one of them has a personal risk, it is very likely that a divestment will occur, which is not good for the development of the company.If both parties have life insurance with a sum assured of 500 million, the situation will be greatly improved.The family members of the party at risk will receive a large amount of compensation, reducing the possibility of divestment.More importantly, companies can have high-volume insurance policy mortgage loans in the event of a capital shortage.
Compared with other loans, the procedure of insurance policy loan is simpler. Generally, only the insured person needs to hold a valid insurance policy and original ID card. It does not require any collateral or evaluation. The amount is generally required to be less than 70%-80% of the cash value; The loan rate is very fast, generally within 7 to 10 natural days to receive, and the loan interest rate is generally lower than the benchmark interest rate; some insurance policies can only repay the interest, and the loan can continue to be used. In addition, the guarantee function of the insurance policy during the loan period , Return function, dividends are not affected in any way.
In addition, if a small business owner becomes a defendant due to a business dispute, the business owner’s bank account and inventory may be blocked due to the plaintiff’s application for property preservation, and the insurance provides special provisions in the law due to the basic living security of the individual concerned. Take care. Under normal circumstances, even if an individual’s bank account is sealed, his insurance will not be deprived.At this time, emergency funds can be obtained through insurance policy loans, which can not only help resolve economic disputes, but also enable enterprises to operate normally.
First of all, you can tell the ladies who save "private money" that the money is not legally valid. It is the common property of you and your husband. Once he has debts and is recovered, the money will still be taken away It cannot play a role in preserving property for the family.And if you use the money to buy insurance, even if your property and car are recovered, this insurance policy can be kept, because the law stipulates that the insurance policy is paid for at the cost of human lives, organs, and longevity. Options for future earnings will not be the object of recovery.
In addition, once there is a risk, how to arrange family and career? There are also some unfinished things, which must be arranged.Without accidents, you can definitely make money from your career. This is self-confidence: but once there is a personal risk, you must turn the risk into a profit. This is wise!In fact, buying insurance can be regarded as a kind of passive risk investment, using risk to make money.For example, if you buy 3000 million yuan of personal protection, if something goes wrong, your family will get that money, turning risks into benefits.This is the most practical way of turning passive into active and turning grief into strength.
Large insurance policies have the following obvious advantages in the inheritance and inheritance of wealth:
a. Possess value-preserving function: Every insurance policy has a cash value. On the surface, it is handed over to the insurance company. In essence, it is "savings" in the insurance company. It has a value-preserving function.
b. Guarantee the certainty of wealth distribution: For insurance, because it is a designated beneficiary, the insurance company must perform it directly in accordance with the contract.Traditional inheritance is difficult to guarantee this, and notarized wills may also cause disputes.
c. Wealth is long-term safe and has little impact on future generations: Can young people who suddenly have huge wealth control their wealth according to our original wishes? Can they hold wealth safely and for a long time?Obviously it is not easy, but for insurance, the beneficiary can be paid by insurance companies in installments and installments to ensure the long-term security of wealth.
d. Tax costs are almost zero: Even if the estate tax has not yet been levied, the various expenses in the inheritance process are not low: the attorney fee for the lawyer to draw up the will, the notarization fee for the notarization of the will itself, and the most expensive notarization fee for inheritance rights ( 2% of total assets) etc.The inheritance of wealth through insurance does not require any expenses when the beneficiary receives the property.
e. Asset isolation and debt avoidance effect: The law stipulates that insurance money is not counted as inheritance, let alone included in debt service assets, which means that it cannot be compulsorily repaid.
f. Have good confidentiality: Statutory inheritance and testamentary inheritance require all statutory heirs and testamentary heirs to be at the same scene. When the insurance company allows the beneficiary to accept the property, it will only notify the beneficiary and guardian, and will not notify anyone else to the scene. .
g. Guarantee timeliness: The traditional inheritance method takes a long time. From death to funeral, to notarization of inheritance rights and transfer of ownership, it takes at least half a year for everything to go smoothly.But insurance companies settle claims quickly, and only need the beneficiary, ID card, and death certificate to get the property from the insurance company.
