This issue was hosted by Su Jie. Customer question: I am a full-time wife. I usually do housework and look after the children at home. Recently, I saw the division of property ownership in the new judicial interpretation of marriage law, and I felt that for female friends, I lacked a sense of security and belonging. In order to protect myself, I am going to buy insurance. My husband disagrees and thinks that I do housework at home, and the risk probability is low, so there is no need to buy insurance. I want to ask professionals, do I really need to buy insurance? (Zhao Nvshi, Shandong) Insurance is the embodiment of love and a kind of responsibility. For the question mentioned by Ms. Zhao, first of all, she should convince her husband and tell him the uncertainty of the risk. We often say that "there are unexpected events in the sky, and people have misfortune and happiness." It is not people in high-risk industries and dangerous areas who are at risk. Walking on the road or in the deep mountains and forests will also have accidents and risks, and some will even be more serious. For example, fire, robbery, theft, burns, scalds, abrasions, etc. , often bring us harm and even endanger our lives. Secondly, at present, housewives tell their husbands that the incidence of major diseases is not low. Like one of my clients, who is also a full-time wife, all her children are engaged in the individual and private economy, and her family's annual income is 300,000, which can be described as rich in income and well-fed. She believes that she can completely resist the unexpected risks from the outside world with her own economic strength, but she was diagnosed with leukemia during her physical examination this year. The treatment cost exhausted her family savings, and the quality of family life went from bad to worse. Tell these vivid and typical cases to my husband, use these cases to influence him, and let him understand that risks are everywhere, all the time, and will not be transferred by personal will. Thirdly, patiently persuade her husband to understand that this is a sign that he loves his wife, that he is responsible for his family, and that it is her husband's obligation to buy insurance for her. From the perspective of financial management, buying insurance is not consumption, but an investment and the accumulation of funds. Pay a small amount of money every year, get a big amount of money when you encounter risks, and adopt the old money when it is due. Insurance is to turn a trickle into the sea, give full play to its role and produce the highest benefits. Cao Li: Director of Marketing Department and Service Star of Heze Branch of China Life Insurance Company. He joined the company in 2009 and won many company awards. He has always pursued the concept of "doing the details well and winning the trust with sincerity". (Ms. Meng, Hebei) So, first of all, deepen the impression on the sales staff. The salesman had better go to see Ms. Meng's husband in person, so as to dress neatly and meet politely, leaving the best first impression on customers. Third, deepen the impression of the product. The salesman should tailor the insurance package according to Ms. Meng's professional characteristics and the nature of her work, and introduce the performance, function, support ability and the benefits brought to the family after purchase to Ms. Meng's husband, so that he can have a new understanding of insurance. Finally, deepen the understanding of Ms. Meng's role in buying insurance. As a professional woman, Ms. Meng plays an important role in the family and can be said to be one of the main sources of family income. She often travels on business, which is risky. In the event of risks and accidents, families will lose their important financial resources and cannot guarantee their quality of life. After the insurance, the company can give the family some economic compensation, which can not only ensure the continuation of a happy life, but also reduce the burden that Ms. Meng brings to her husband and family due to her own risks. The reputation is to buy insurance for Ms. Meng, but actually to buy protection for the whole family. It can be said that one person buys insurance and the whole family is guaranteed. Li Juan: Senior Training Sales Elite of Heze Branch of China Life Insurance Company. 200 1 entry, won three-star sales at the municipal level in 2005, and was repeatedly commended and rewarded by provincial and municipal companies.