In the first sentence, insurance is for protection, not for making money;
In the second sentence, there is no cost-effective insurance, only suitable insurance.
Now I will answer this netizen's question, because everyone's age, economic situation, personality, financial ability, work nature, investment style and so on are different, so choosing insurance will not be the same.
Consumer insurance is equivalent to "rent", which is guaranteed for one year, ten years and twenty years. Characterized in that:
1. Young people are cheap, but the price will increase with age. The older you get, the greater the price increase.
2. Consumer insurance mainly includes accident insurance, life insurance and health insurance. Especially health insurance. Its continuation is conditional. If you have illness during the warranty period, you will be insured again in the second year, and the expenses will be increased or excluded, and the insurance will be refused. This causes you to have no insurance when you need it most.
3. Because the premium of consumer insurance is cheap, most of them can't be insured independently, so other return insurance needs to be attached, and the amount of main supplementary insurance needs to follow a certain proportion.
But return insurance is equivalent to "buying" and does not have this shortcoming. The only drawback is that it takes a lot of money, takes a long time and lacks liquidity.
According to the above analysis, we can know that it is conditional to buy consumer insurance.
1. Young, low income.
2. Have time to manage money, like to manage money, and have certain financial management ability.
3. Radical financial management style, willing to take certain risks.
Because the perfect insurance formula:
1. Term insurance+term savings life insurance;
2. Consumer critical illness insurance+fixed deposit return critical illness insurance;
3. Term life insurance+consumer critical illness insurance+stable investment channels can be found 10% or more+return critical illness insurance.
One of the necessary conditions is to ensure regular savings for the next 20 years, and there is no possibility of interest rate cuts. (Don't forget, in the past 10 years, we have cut interest rates and collected interest tax more than five times in a row. )
If you meet the above conditions and can guarantee that the future savings interest will only rise and not fall, then you are suitable for purchase and consumption; If you don't belong to this type of person, you are suitable for returning. Or you only meet the first item above (young age and low income), then you can temporarily buy consumer insurance as excess.
In addition, there is another kind of consumption, that is, the balanced rate.
I think it is still worth buying consumer insurance that guarantees a balanced rate. Although it is also a "lease", it must have a term, such as 5 years, 10 years, 15 years or 20 years. Once rented out, the term and price are determined. Therefore, the argument that the older you get, the greater the price increase does not exist.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.