#买保险最大的风险是什么? #
"The insurance itself is risk-free, and there is a loss when surrendered halfway"
In a person's life, they have to face the risks of illness, accidents, investment, and retirement. Relying solely on social security for the elderly, social security and medical care cannot meet people's needs, nor can they avoid these risks in life. Avoiding risks by purchasing commercial insurance is the right path that people should take.
Buy life accident insurance and get a claim to reduce financial losses when you are injured by an accident. In the national regular hospital, whether it is outpatient treatment or inpatient treatment, it is covered by the claim.
There is a starting line and a cap line for social security and medical care. The critical illness insurance of commercial insurance is one to two, and even one of the 120 types of serious diseases is compensated six times, with 100,000 and 600,000 compensation. Critical illness insurance is the best supplement to social security medical care.
Pension alone depends on pension, it is difficult to do the old age, carefree, most retirees' pension is more than 2,000 or 3,000 yuan, these money is only enough for basic living expenses. If you go to a nursing home for the elderly, ask a nanny and ask a caregiver to take care of you, these low-income retirees can't realize their desire to hire a nanny and ask a caregiver to take care of them. Many nursing homes spend four or five thousand yuan a month on the elderly, and low-income retirees cannot achieve it.
When I was young, I had a plan to buy endowment insurance, save a lot of money, and when I need to go to a nursing home for the elderly, hire a nanny, or hire a caregiver, endowment insurance can play the greatest role.
Commercial insurance products are medium and long-term investments, which need to be paid for 10, 15 or 20 years. If the policy is surrendered in the middle of the policy, there will be a loss, and the surrender premium is calculated based on the cash value of each insurance product surrendered in the middle of the policy.
There is no risk in buying insurance! By buying insurance, the accident risk, disease risk, and pension risk of life are transferred to the insurance company, so that the insurance company can bear the risk!
Insurance is also the best tool to resolve life risks. Of course, it is very important to choose a powerful large company, choose the right insurance products, and choose the right salesman with strong professional ability, responsibility and good service!
