And if A has been living healthily, obviously, a healthy living life is priceless.
How many people sell money with their lives? A person who can usually buy insurance of 6.5438+0 million yuan can generally get more than 6.5438+0 million yuan in his life or create more than 6.5438+0 million yuan in wealth.
2. Establish the basic guarantee of life, and even establish a good guarantee of life. Individuals or families with poor economic conditions can establish basic security for themselves and their families through lower insurance premiums. Individuals or families with better economic conditions can establish good living security for themselves and their families through insurance tools. In this way, when the insured suffers from serious illness, hospitalization, disability or death, he will be able to better treat and recover, and ensure the normal life of his family, even keep his and his family's career intact, especially to ensure the continuation of their children's education and development.
3. Develop the habit of saving money. Savings insurance is usually a long-term plan. Interrupting this long-term plan usually leads to losses, forcing you to take savings insurance according to the original plan. A drop of water wears away the stone, and a good habit of saving money will accumulate a lot of wealth, so as to avoid taking out the money and spending it easily. The money you spend inadvertently may not even know where it is spent.
4. Protect the accumulated wealth and the wealth being accumulated. Suppose A has a deposit of 654.38+10,000 yuan, assuming that he has no national medical insurance and social medical insurance, he uses 20,000 yuan in the deposit to purchase hospitalization and critical illness insurance with a coverage of 654.38+10,000 yuan and a business term of 20 years. According to the simple algorithm (interest rate and compound interest calculation method are not considered for the time being), if A suffers from a serious illness and spends 6.5438+0.8 million yuan during the insurance validity period, then the insurance company will claim 6.5438+0.8 million yuan for his serious illness and reimburse 6.5438+0.0 million yuan for his hospitalization. With such a serious illness, A still has 654.38+ten thousand yuan (10-2+10-18). And if A is safe, after deducting the insurance premium of 20,000 yuan, he still has 80,000 yuan left. However, if A does not have the above insurance, once suffering from serious illness, the hospitalization expenses will be 6.5438+0.8 million yuan, which will not only exhaust his savings, but also be in debt of 80,000 yuan. In this way, insurance plays a role in protecting accumulated wealth. 5. Investment function. In addition to the investment value of insurance function, modern insurance industry also has some financial and commercial functions of banks or investment companies. This function plays a role when most of the premium is used for investment income, which may have compound interest. The investment function of insurance tools will evolve with the development of society. Therefore, with the diversification of market demand and business, the investment function of insurance tools will be more diversified and the choice can be diversified.
6. The added value of insurance. (1) makes people feel peaceful. With a sense of security, it will reduce anxiety and help people's physical and mental health.
(2) Make people's lives more dignified. Without a sense of security, in case of misfortune, you may be down and out. It's even worse if the world around you is cold.
(3) It is the embodiment of care and responsibility. It is your responsibility to make a comprehensive plan for yourself and your family, and it is also your care for yourself and your family. After all, things are unpredictable, and impermanence in life is normal.
(4) It helps to accomplish some tasks indirectly. Such as children's education tasks, parents' support tasks, special gifts, etc. , can be done indirectly with the help of the deposit function of insurance.
(5) Tax saving function. Because most countries encourage the insurance function to play a role, most of them stipulate that insurance money or insurance investment income is tax-free.
(6) Other derivative functions. If the insurance tool is used for a special design, a special purpose can be achieved. Specifically, for example, you can obtain the loan qualification for buying a real estate through a special life insurance scheme for buying a house. Remember, one of the benefits of insurance is that it can quickly, easily and reliably build a life safety net with enough money.