Eight reasons to tell you why we should buy an insurance
- by keercici
- June 25, 2021
Insurance is a social and economic compensation method for enterprise losses caused by accidental disasters, and it is the most basic tool for resisting risk management. Risks are everywhere in life, and each of us needs insurance. Insurance is the guarantee of a healthy life for yourself and your family.
1. Don't put eggs in one basket.
Believing that insurance returns are too low, 保險紅利they would rather invest their funds in relatively risky stocks, bonds and other projects. In fact, everyone who really knows how to invest knows: Don’t put eggs in the same basket. They tend to be divided into four funds and invest equally in stocks, bonds, real estate and insurance. After the first three failures, the insurance company helped them save taxes. After the first three failures, insurance companies either let them survive or let them rise in the east. This just shows that insurance is a special kind of investment: usually save money, don’t need money in case of trouble, in case you receive life-saving money!
2. Be prepared for danger in times of peace
The average annual death rate of the Chinese is three per thousand, and an average of 16 people are killed in accidents every day. Thieves may not come to patronize you, but we are still willing to install anti-theft doors; it may not rain, but umbrellas are our must-have items; when the car is driving on the road, the tires will not often blow out, but the driver will always be ready to spare tires ; Risks may not occur, but life insurance must be purchased.
3. The purchase of insurance can be tax-free
Insurance indemnities are compensation for personal accidental losses. They are not personal income and are not taxable. According to the "Tax Law", the compensation received by an individual can be used in the calculation of taxable income. In addition, if the insured administrator dies during the valid period of social insurance, the life insurance company will pay the death insurance money according to the contract. If there is a designated beneficiary on the insurance policy, the life insurance company will pay the insurance money to the beneficiary . This kind of insurance payment is not treated as an inheritance. It has the following advantages: A. It can be exempted from inheritance tax and income tax, which is conducive to property transfer and tax saving; B. It does not have to be used to offset debts. Any unit or individual has no right to this The insurance money is preserved and frozen; C. can avoid inheritance disputes; D. can let the one you love get the property legally.
4. Is it reliable in modern society to raise children and prevent old age?
Since the implementation of the one-child policy in my country, the family structure has become a 4:2:1 type, that is, a couple has to raise four elderly people and one child, except for themselves, each person has to bear the living expenses of 2.5 people, which is obviously unable to afford It’s a heavy burden, so I’m afraid it’s more than enough to raise children and guard against old age! Relying on heaven and earth? If you want to live a healthy life in your old age, you can only rely on yourself to plan ahead and plan your insurance early. This is the general trend of social progress. China Life Insurance can help us enjoy our old age, safeguard our personal dignity, and truly ensure that the elderly have a sense of security and support.
5. 5. Buying insurance when you are young is to take responsibility when you are old.
When you are young, prepare for old age, and when you have money, prepare for when you don’t have money. Young prepares old, this is extremely wise; rich prepares no money, this is true vision. The greatest sorrow in life is the discovery in your old age that you did not reserve enough living expenses for yourself, and life insurance can ensure that you are financially independent and live a dignified life in your later years.
6. Buying insurance for yourself is a responsibility to the family.
If you love your family, you can say: As long as I am here, I will take care of my life; but if you have an insurance, you can say: Whether I am or not, the policy I bought for you will always take care of you.
7. Buying insurance for your family is your responsibility for the future.
Some people are responsible for others to continue living! A little effort in peace is better than a thousand times of prayer in disasters.
related articles:
What types of medical insurance should I choose?