Obviously, what this story wants to express is that someone asked me for insurance before, but she didn't buy it in the end. She got stomach cancer, liver cancer, rectal cancer, thyroid cancer and so on, and now she regrets it and wants to buy insurance. Let's see how miserable she is now, so come to me and buy insurance!
The root cause of people's anxiety caused by the above stories is "Brother Kong Fang" without it. Then how insurance is hooked up with "Brother Kong Fang" depends on whether insurance is useful or not and what kind of use it is.
Don't talk about the "financial troika" or "insurance companies all want to make money". For us ordinary people, insurance is actually a financial tool and a way to invest and manage money.
there is only one ultimate problem that insurance can solve: cash flow. To put it simply and rudely, insurance can only solve three cash flow problems:
1) Unpredictable expenses in the future
Accidents, illness, even death, and injuries to other people's children in Xiong Haizi, all of which cost money, and such things are unpredictable. Running a company is similar. Property losses caused by natural and man-made disasters, employee accidents, etc., and the responsibilities that the boss should bear are all indispensable.
Of course, these situations also have a certain probability, so the cash flow leverage of the corresponding insurance products is also very high, which can reach dozens or even hundreds of times. And this is also the biggest selling point of similar products.
2) Expenses that will definitely happen in the future
When a child reaches the age of 18, it will definitely cost a sum of money to enter a university. If he goes abroad to study, it will not be a small sum of money. When people reach the retirement age of 6 or 7, they have no or little income and want to maintain their original quality of life. The monthly pension issued by social pension institutions is far from enough. Therefore, this is a rigid expenditure of a certain age group. When it comes time to spend money, stocks can't afford to wait no matter how badly they fall!
the biggest function of this kind of products is to force savings, and not to put all the eggs in one basket, so as to balance the benefits and risks in investment well. Of course, the longer the time is taken to calculate the rate of return and compound interest of compulsory savings, the more obvious the income advantage will be, surpassing 9% of retail investors in the stock market.
the above two points are the biggest selling points of savings insurance products.
3) The direction of future cash flow
For example, according to the law, after a person dies, his property becomes an inheritance. Husband and wife's * * * property should be divided into half to the spouse first, and then the legal first heirs are the spouse, parents and children. Finally, the spouse got 4/6, the parents got 1/6 and the children got 1/6. I wanted to give all my money to my children after I died. As a result, according to the law, the money has to be divided up by different people ...
When children get married, of course, they want the young couple to grow old together. There is a young couple in Wan Li who divorced. How can the property before marriage not be divided by love rat (female)? The situation is similar. The gap between the idea and the reality is the problem of the direction of cash flow transmission ......
The above problems can be perfectly solved by effectively setting the savings insurance for the insured, the insured and the beneficiary. Take precautions and plan the cash flow direction in advance, which is also a very important selling point of this kind of products.
some people say, "apart from the above three cash flow functions, insurance sellers talk about other things, all of which are routine!" . There is no doubt that this is a very rational statement.
But in real life, I wonder if you have noticed that if a person only talks about rationality and doesn't talk about sensibility, you will find such a person cold and impersonal. And if a person only talks about sensibility and doesn't talk about rationality, it seems that nothing makes sense to such a person.
so next, we might as well look at insurance from a different perspective. After all, every living person has his own unique experience, feelings, worries and wishes. It is precisely because of this that insurance is given the name of "love and responsibility" to help people "take away their worries and fulfill their wishes".
behind every insurance policy, the premium of real money and silver will not deceive people, nor will the claim after the accident. Therefore, some people say that "the policy represents the deep love and heavy responsibility of the insured for his family", but it is not without reason. The following poem, which is widely circulated, sublimates the meaning of insurance from the perceptual point of view:
In that year, I took out accident insurance, only to love you in the afterlife
In that year, I took out critical illness insurance, only to never drag you down in this life
In that year, I took out old-age insurance, just to do nothing when I was old and accompany you every day
. Just because when I have to leave one day, I hope to leave you money, love or debt
Because I know that true love is not to take care of you as long as I live, but to take care of you as long as you live ...
Obviously, what the poem tries to express is that with good insurance, your life will be beautiful! Although the war in real life often echoes the romance in poetry, who can stop the people from pursuing a better life?
At one time, one of the plans of American psychic forces was to train people to carry out assassinations with their minds. To this end, the United States specially airlifted more than 1 goats to cultivate the special function of the troops to kill people with their minds. Unfortunately, the scene of a goat falling to the ground and dying has never happened.
Later, American high-level officials finally understood that the special function of killing people with ideas was impossible, so the plan finally failed.
This story tells us that if there are no anxiety factors in life, the "anxiety" that insurance practitioners sell and peddle should actually have no influence on us! The insurance practitioners want us to fall down like the goats above, which is just their wishful thinking that they will eventually fail.
In a word, rationally facing all kinds of uncertainties (factors that cause anxiety, or risks) in life is the best way to deal with the trafficking anxiety of insurance practitioners.
The biggest risk for people living in the world is that some people say it's disease, while others say it's accident. In fact, in my opinion, the biggest risk is overconfidence, thinking that all risks have probability and possibility, and the possibility of happening to yourself can be ignored to zero. You can also find that smart and successful people, or those who live long lives, are cautious in life, which is what we often say, "be careful to sail a boat for ten thousand years."
Fear of risk is a person's correct attitude towards risk.
to cope with risks, you can take the form of reservation and bear the risk loss with your existing property; You can also take evasive measures, such as giving up work or lifestyle with high risk coefficient, so as to minimize the probability of risk occurrence.
of course, if the first two methods are not suitable, you can also transfer the possible risk loss to a third party by means of risk transfer, which is the most commonly used insurance.
to put it bluntly, insurance is just a way of investment and financial management, and there are not so many routines. Whether to buy insurance or not is just like buying stocks. It is just a personal choice, that's all.
Speaking of which, is it still a problem for you that those people are anxious about selling?