What is life insurance?

For human beings, life insurance is everyone's responsibility to themselves and their families, and it is a means to pay the necessary expenses in life.

First, life insurance is doing its duty (a person's duty to himself and his family).

Everyone doesn't come out of thin air. The simplest thing is that we are descendants of the previous generation. We were born with parents and grandparents, and eventually we will have wives and grandchildren. In just a few decades, people have lived in such a family relationship cycle. We came involuntarily, and finally we went involuntarily. When we came naked, there was nothing. When we left, a wisp of smoke finally vanished. In this case, when we are alive, all that remains is responsibility.

We were conceived when our parents were most loving-the crystallization of love. Because of this innate love, the responsibility of human beings is passed down from generation to generation and is with life. When we were babies, we involuntarily accepted the responsibilities of our parents and elders, but in fact, we also irrevocably shouldered their responsibilities. This responsibility is innate and will remain on earth after death. You can't escape, you can't abandon it. Generation after generation, generation after generation, forever.

So what is this responsibility of human beings?

To myself, to my parents, to my wife and children, to my friends and to society.

To yourself-many people think that people are not responsible for themselves, which is wrong. Of all human responsibilities, the responsibility to oneself is the heaviest. Chapter 13 of Laozi's Tao Te Ching says: "You should be the world, if you can make it rich, love it as much as the world, if you can raise it." It means: only those who regard the world less than themselves can assume the responsibility of the world, and only those who love themselves more than themselves can entrust the world to him! Don't misunderstand the argument that "valuing yourself more than the world and loving yourself more than the world" is not to teach Lao Tzu that the world is big. It means: cherish yourself, love yourself, and don't let external things infect and corrode yourself. Only in this way can we work for the whole world. Of all one's responsibilities, one's responsibility to oneself is the first. No one who is not responsible for himself will be responsible for others and the world.

Do your duty for yourself and think about your daily life. Everything is arranged. Have you predicted it? People sinking into the world of mortals are really small and fragile. We have too much fear.

We are afraid:

1, unattended when sick

2. There is no help when you are poor

There is no way to help if you are unemployed.

4. There is no friend to accompany you when you are lonely.

I'm afraid I can't take care of my family.

6. Fear of losing dignity

7. I am afraid that the old people will be left unattended.

You have so many fears, but most of the time, you still wear a mask, smile at life and tell others that you are a strong person in life. I know that in fact, like everyone else, you have a desire for many beautiful things. You want to:

1, a happy and stable life

2. Be respected and loved by friends and family.

3. Ability to take care of the family

4. Have a healthy life

5. Have a sense of security about property.

6. Worry-free in old age

7, carefree life crisis

Being responsible for ourselves is to ensure that we can cope with all kinds of crises and risks in life at any time and under any circumstances, so that we can have the opportunity to fulfill other responsibilities.

For parents-no one can escape this responsibility, nor should it. The responsibilities entrusted to us by our parents are accompanied by our birth, love and hope. We are undoubtedly responsible for our parents who have worked hard and selflessly to raise us. This responsibility is: 1, support parents 2, let parents not be humiliated 3, let parents enjoy a good reputation (note: this good reputation is brought to them by you)

Simple three, can you do it for your parents forever in this life? Don't answer, but think about how to do it.

For his wife and children-first of all, for his wife. You and she are strangers. A trace of so-called fate let you have her. You changed her from an ignorant girl to a woman and mother. Let her share another responsibility with you. Don't you think you have a responsibility to her? This responsibility is: protect her, love her, grow old with her, take care of her in your lifetime and don't let her suffer. Rich or poor, they will never change their minds and take care of each other forever until the end of their lives.

You can know that your responsibility to your wife is the oath you made by touching the Bible at the wedding: this responsibility cannot be evaded, nor can it be evaded. The only choice is how to fulfill your oath and fulfill this responsibility.

The responsibility for children-human beings is really cyclical. When we are parents, from the beginning to the present, we are repeating all the responsibilities of our parents. Perhaps at this time, we can appreciate the love of parents and the filial piety of children, but his life has brought us a lot of responsibilities. His growth, his education, his marriage and his entrepreneurship are enough for his parents to work hard all their lives. But when we are angry, can we do our duty for our children in return?

For friends, the only difference between friends and parents, wives and children is that they are not related by blood. In this world, we are more friends, and friends are maintained by faith. A person who can devote his efforts to his friends must be a real gentleman. The responsibilities between friends are mutual. They are not rewards or gifts, but mutual trust and dedication. The trust between true friends is infinite and thorough. The effort between true friends is selfless and needs no return.

Human society is a collection. Life exists in this society, just like parents and relatives. Society also has a survival relationship with us, just like the grace of parenting. We should be grateful, and we should be willing to repay and serve the society. A true gentleman regards his relationship with society as fish and water. Remember, for society, it cultivated us and created us, and it is our bounden duty to be responsible for it.

Having said that, there are so many responsibilities to be fulfilled in life, especially for yourself and your family. With your healthy body and income ability, you can certainly do it. You can tell your family that I can fulfill this responsibility as long as I live. There are conditions here. You have to live, be healthy, and be able to do your duty for yourself in order to do your duty for your family. But when you are a child and a parent, that responsibility cannot have such assumptions and conditions. Whether you live or die, this responsibility will always exist. Just can't do it, but it doesn't mean there is no responsibility. This responsibility still exists. And life insurance is this responsibility, this responsibility you can't escape.

A wise family, his or her responsibility to the family means: "to prevent family members from hunger and homelessness;" Enable children to complete the necessary education and not drop out of school; Let parents enjoy their old age, so as not to have no support for their old age; Make the family property intact. "You must understand that this is your comprehensive family responsibility. This responsibility is unconditional, such as "if, in case" and "no longer-just-". No escape, no assumptions, no deadlines, no conditions. People can only do this under the guise of life insurance. Life insurance can get rid of the condition of "I can take care of my family as long as I am alive", and I can do my best to take care of my family whether I am alive or not. Life insurance is these unconditional responsibilities.

We must recall what we just said, "If we have a healthy body and income, we can certainly do this." . But the problem is that in life, accidents and diseases are so involuntary and ignorant. There are too many accidents in life that we can't predict and bear.

1. Insure against accidents: Accidents are not what we want. The occurrence of unexpected things is really a blessing in our misfortune. If there is an accident, we will not be able to do our duty for ourselves and our families. You would say that the probability of something happening to you is very small. I agree, but let me give you a realistic example: the number of people who die in traffic accidents in Shanghai exceeds 654.38+00000 every year. The probability of injury caused by various accidental attacks every year is three thousandths. You may think this ratio is small, but it is good. I'll play a game for you: there is a team of 1000 people, and you are one of them. Then each person sends out a gun to tell you clearly that only one gun has bullets. Everyone picked up a gun and pointed it at their head. Excuse me, do you dare to pull the trigger in the face of this one-thousandth risk rate? And this game is once a year. How many times can you escape this once-a-year trigger?

2. Insure against illness: For almost everyone, the word illness is like breathing. Breathing will make you sick, and living will make you sick. The losses caused by diseases are enormous. It only costs a little money to insure against diseases every year, but it costs us a lot of medical expenses when we suffer from diseases.

3. Insure for education: children's growth is unstoppable. Every parent wants their children to finish college, but the cost of education is undoubtedly huge. This fee will last for more than ten years, and if anything happens to us, the education of our children will be interrupted. Apart from life insurance, in any case, what other ways can you provide for your children to complete higher education?

4. Endowment insurance: It is not impossible for people to struggle all their lives. For most people, he retired after the age of 60. But retirement does not necessarily mean that you don't need living expenses. When we have done our duty for our children for decades, we have sent our parents away. This responsibility is reserved for ourselves, and it is a kind of dignity of old age, not a simple pension.

In a word, people face various problems in their lives. And life insurance is not only the above for you, but also plays an irreplaceable role. For example, life insurance can help save money, protect property, help you build a stable life, help you win the time to start a business, reflect the dignity and value of life, and protect enterprises is a good investment. The breakdown is as follows:

1, help save

The authoritative survey results show that most people will save, which proves the relative importance of saving. We know that the primary motivation for people to save is to gain a sense of security. Such as: raising education funds for children; Reserve medical expenses for diseases; Prepare unemployment benefits; Prepare a pension; Prepare for emergency use and so on. The second motivation is to seek temporary happiness. Such as buying a car, clothes, traveling and some extravagant consumption.

The survey shows that everyone thinks that saving is necessary, but everyone recognizes that it is difficult to save money to a certain extent by piecemeal savings, and few people will use the money for special purposes. That is, the original purpose of saving is often not realized. The reason is:

Long-term savings require strong willpower. Because it is not mandatory, it is easy to give up halfway, and many people lack specific savings plans. It is also common to be forced to stop saving because there is no income.

It is worth noting that it is easy to abort the original will by keeping it alone. For example, you are willing to save money because you want to support the elderly, but you misappropriate the money originally used for supporting the elderly because you want to buy a car and a house halfway, which makes the original plan a bubble.

Life insurance is helpful for saving, because similar saving behavior in a semi-forced state driven by insurance premium payment helps you build strong willpower to complete your own protection. In addition, life insurance has a strong specific function, which can help you achieve earmarking, and every original idea of saving has been implemented. From this point of view, life insurance has played such a great help to savings and even the whole family finance. Virtually, life insurance has become your family's financial advisor and distribution manager.

2. Life insurance can create property and effectively protect it.

Everyone knows that life insurance is based on people's life span, and it is a money-making tool that tens of dollars can be exchanged for ten thousand dollars. When a person wants to save 50,000 yuan every year and accumulate 6,543.8+0,000 yuan, it will take 20 years without interest. There is also a condition that you must live and increase 50,000 yuan every year. On the other hand, life insurance is different. Maybe you only need to spend 1 10,000 yuan to create 1 10,000 yuan of property, and it can be gradually increased.

Therefore, life insurance is profitable. The protection of property by life insurance can also be simply described as: We know that people in the fast-paced and high-tax era have to pay cash taxes on their property after birth. We all hope that our hard-earned money will not be eaten by taxes, and insurance claims are legally tax-free.

Life insurance can help you build a stable life.

Without life insurance, customers' living standards may drop by half. Because he has to consider the expenses when he is sick, the children's education expenses, and the old-age expenses. Because of these expenses, he wants to save, and if he wants to save, he will lower the current living expenses and standards. People long for a stable life. People long for economic stability and happiness. When they are old, they can take care of their families, stay healthy and win respect without worries. For this stability, he would rather be low than pay.

Someone has done such a survey, please choose one of the following situations:

Although the income is low, the work is stable and lasting;

(2) have a certain income and work may continue;

The income is higher, but if you are not careful, all your previous efforts will be in vain, and you will be in danger.

The survey shows that 48% of the candidates are ①, which fully shows that people are eager for stability. Life insurance is the most effective way to obtain stability by personal strength. People work to survive, and the money we take home every month is to maintain a certain standard of living. After his death, the postman brought something (money) that he had prepared before his death. If it is too little, the family will be in trouble.

Life insurance can help you win the time to start a business.

Perhaps, you have promised your wife and children that you will wait 20 years to start a business and earn the money you want before retiring. I understand your ambition. I know you need these 20 years to earn enough money to live a happy life with your loved ones. Frankly speaking, you need these 20 years, but can you guarantee that you will live for them? If you are in your 40 s and 60 s now, you plan to earn 6 million and 300 thousand a year. To realize this plan, your life span must allow you to live for 60 years. Life insurance can help you. If you pay a little interest on this money, you will have this 6 million right away, and then you will repay this loan in installments every year. And I promise you, in case you don't live to be 60, you don't have to pay back the loan and interest, but they are all yours. You don't have to stay in these 20 years, and you have no worries at all. This is what life insurance can help you.

Life insurance can reflect the dignity and value of life.

Although human life is priceless, many things in this world should be measured by money realistically. In the property of many people, the value of life occupies a very important part. We have created a lot of wealth in this life, but if we die worthless, wouldn't it be a great irony to ourselves? With the development of insurance design in Chinese mainland, the life dignity first payment clause has been issued. Even in pure death, life insurance is no longer the only way to get money after death. When we want to say goodbye to this world, we can pay the insurance money in advance and live with dignity, so that we can die calmly.

In addition, people in economic society are very realistic. Are you sure that once you die worthless, you can guarantee that there will be a dutiful son at your bed from the time you are ill in hospital to the time you leave? I really can't expect to be sick and have no dutiful son, what's more, we have nothing left for them when we die. But if you have life insurance, the situation may be different. Life insurance can help you find a filial person, although he can't be a dutiful son himself (at this point). From this perspective, life insurance is really meticulous in protecting people until death do us part.

6. Protecting enterprises

Just like protecting the family, life insurance can also protect our enterprises, especially joint-stock enterprises. The example is as follows: Party A and Party B jointly contribute 1 10,000 to establish the company. If they all live to be 100 years old, naturally there will be no problem, but if it is unfortunate, two years later, in case of misfortune in the steady progress of the enterprise, the problem facing this enterprise is: continue to exist, if Mrs. A has the idea of continuing to operate. But if she doesn't want to do it, how can Mr. B return 50% of Mrs. A's shares? Even if he can get rid of 6.5438+0 million, the impact on this company will be enormous. Life insurance can help you. When your company is established and afterwards, you can buy 6,543,800+life insurance for Mr. A and Mr. B with little money. No matter which side is in danger, it will not hinder the survival and development of this company, nor will it affect the lives of their families.

7. Life insurance may be a good investment.

Tell your client about his investments such as stocks, bonds, houses, cars, etc. Very good. However, the characteristics of the above investment methods are: great volatility and unstable market. So the risk is high and the return is uncertain. Moreover, life insurance is a long-term investment, which is not affected by changes in economic prosperity, and you know that there is a stable return.

If you want to invest successfully, you must have: ① money; ② Past experience; ③ Deep concern and observation of the future; 4 luck. Lack of any one condition may lead to investment failure. Entrusting an insurance company, the risk of investment disappears because of joining insurance or not taking risks.

In addition to the above seven points, life insurance can be used as collateral to obtain special loans. The beneficiary can be designated with you, which reflects your decision-making power over the property. The enjoyment of an annuity guarantees you a worry-free life.

To sum up, personal insurance includes two obligations to oneself and to family (others). The view of insurance should be: self-help (insurance) helping others (insurance function) helping others, God helps. If you buy insurance for your wife and children, it can be a guarantee for your old age. In other words, in order to fulfill the responsibility to the family, the result is also to fulfill the obligations and responsibilities to oneself.

In fact, life insurance is the most important thing for parents to protect their families.

After I went by myself, the best thing left for my family was money. "People are dead-what's the use of asking for money?" This is an angry remark. But have you ever known how many people have no choice but to look for money after their loved ones have left? The husband died and the wife cried. The uninsured person cried with a pillow, and the insured wife cried with a check. The mood is definitely different. People are dead. What's the use of asking for money? This is just for the dead. If you haven't saved enough money for your family, leave in a hurry. If you promised your old father and mother, the one who swore to each other, the crystallization of your love, don't go with the wind. Your parents will have no one to rely on, and their old age will be bleak; Your wife will be forced to remarry by life; Your poor son, in particular, may have to stop studying to go to work or go to another house to call another man's father when he is very young. How do you feel, even if you are buried underground?

Life insurance is a responsibility, you can't escape it, and you can't get rid of it. Use life insurance to help you better assume this unshirkable responsibility.

Second, life insurance is a means to pay the living expenses.

Living in this world is inevitable, and it costs some money anyway. Although it varies from person to person, the expenditure is certain. You can't choose whether to pay this kind of living expenses, because the living expenses are paid from birth to death and are closely related to life. It can be said that life is endless and the cost is not limited. We are trying to pay the necessary expenses for life. Because life costs money. These costs are:

Maintenance at birth

Puberty education expenses

risk fund

Marriage fund

Health expenditure cost

Ordinary family

An urgent need in an emergency

Revitalization fund

pension fund

The last expense (funeral expenses)

There are so many expenses in life, think about it, what kind of expenses can be avoided. Do you have a choice? When you:

Don't you think that in the face of cute, smart and caring underage children, their growth in the next few decades will be inseparable from your care?

When you face a virtuous wife who loves you, don't you think how much responsibility you have to pay to change her from a girl to a woman and mother?

Don't you think you have to die for your parents who have broken their hearts for you, so that they can have no worries for the rest of their lives?

You have so many responsibilities, in order to fulfill these responsibilities, spending is necessary. You can't escape, you have no chance to escape, if you are a real man, a real woman. Without a choice, you will be duty-bound to bear all this, whether you like it or not. Life insurance can definitely pay for these expenses, and it is the simplest. In life, whether you are insured or not, there are inevitable expenses. One day, everyone will spend money on one person in some way. As for payment, in fact, we have no choice but to make payment. Life insurance can pay for these expenses when you need them. Otherwise, someone will pay for it in the future.

(1) expenses at the time of death

Since ancient times, no one has died in life, but they remain in Dan Xin and shine in history.

Of course, we don't have to demand fame and history, but we need to be calm and carefree when we die. It is inevitable that someone will pay for this fee. You can turn a blind eye to the pain of your wife and children and take no responsibility, but you still have to pay the fee. If you don't get ready before you die, you can only leave your debts to your bad wife and children. And this fee, whether it is 1 10,000 yuan or 20,000 yuan, needs to be paid in cash, not life insurance, and 2-3% insurance premium is enough.

(2) Payment of education grant

Children's growth inevitably needs education funds. Of course, there are many ways to prepare this expense, such as doing part-time jobs for children and finding a job to earn some money. But this method is not free, it just changes the payer. If you don't accumulate educational funds as a child, you will spend a lot of money at a time. If anything happens to you, the poor child will look at the university gate and sigh. Using life insurance can help you share the cost over a period of ten years or more. The expenditure of this insurance premium is not insurance itself, but education itself.

(3) Income after retirement

Although I don't work after retirement, no one will say that there is no need to charge at this time. If you don't prepare actively when you are young, you must work for expenses when you are old. Don't be the second son in this life, it is not reliable to adopt a son to prevent old age. The saddest thing in old age is to rely on charity. Whether it is state relief or relying on children's support, it is uncomfortable. Life insurance can pay for this. do you want to hear it ?

There are many living expenses that we can't describe. Life insurance makes this payment simple and safe. Life insurance can't make you rich, but it is the most reliable means and method to pay the living expenses.

What is life insurance? You will eventually find that life insurance is not a kind of consumption, but an indispensable and irreplaceable payment method in life.

Having said that, you should finally understand that without life insurance, our living standard will be greatly reduced and everyone's chances of success will be limited. If the concept of social responsibility is low, life will be unstable and the mortality rate will increase. Maybe power rule will appear and personal freedom will be restricted. In this way, life insurance, which originally guaranteed personal stability, actually made the greatest contribution to the stability of the country and society. Life insurance was originally designed to protect families, but it also stabilized society. Selling life insurance is also to protect children's future. The insurance premium is paid by tens of thousands of people, which can promote our business and construction industry. When we returned to the earth, it continued to benefit thousands of people. Then this is the greatest kindness we have ever done to the most people. We have been pursuing the freedom and happiness of life. In other words:

Insurance is the eternal companion of life.

Shanghai Insurance House: hyp919 @163.com.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.