2020-04-22

Inscription: Old people are much heavier than young people! When a person is young, he should actually support two selves, one is his young self and the other is his old self. Some people are selfish when they are young and don't think for themselves when they are old, leaving them poor and sick when they are old. Although insurance can't keep a person's youth, it can enrich a person's later life!

Reasons why some people refuse to buy old-age insurance:

Some people say that I have social security and old-age insurance, so I don't need to buy any more.

Some people say that the income from endowment insurance is not high, so it is better to invest in something else.

Some people say that I have money now, and when I retire, I will have enough money to support my old age.

Some people say that I already have other savings plans. ...

Let me talk to you about the value and significance behind the endowment insurance products.

I. Humanity and values

After the Wenchuan earthquake, many people plan to adopt orphans. As my colleagues, they are also going to adopt one.

I asked, "Why adopt orphans?"

She said, "These orphans are poor. How pitiful it is to have no parents! "

I said, "You are very caring. Are there other reasons besides this? "

She said, "They are poor. I want to give helpless children a home. "

I asked, "There are still many widowed grandparents who have lost their children in the disaster area. They are also very helpless and pitiful. Will you raise an old lady or grandparents? "

She was silent.

I asked again: "If there is an old lady with a net worth of tens of millions, would you like to bring her back to support the elderly?"

She said, "I do."

I am writing this dialogue not to doubt my colleagues' love for adopting orphans, but to tell a fact. The fact is: there are orphans who lost their parents in the earthquake, and there are also lonely old people who lost their children. Why do many people rush to adopt orphans, but few people adopt lonely old people? Don't ask why, and don't comment on right or wrong. It's human nature!

What is human nature? If there are two people in front of you: a rich Bill Gates and a penniless beggar, who do you want to be friends with?

Normal people would choose Bill Gates under normal circumstances.

Why? Don't ask why, it's human nature.

What is human nature? Humanity is what we ordinary people think. If you say I don't think so, you are duplicitous.

Why choose orphans instead of lonely old people? Why are lonely old people worth tens of millions still willing to adopt? This is also human nature. The reason behind this human nature is: first, judge whether it is valuable to yourself and which is more valuable, and then choose valuable and valuable.

For a person's life, the two ends of life are unequal. A one-year-old child who knocks over milk is often forgiven, while an 80-year-old man who knocks over a glass of water may be blamed by everyone. One-year-old children worry about no one to feed, and eighty-year-old people worry about no one to raise!

Don't complain that the world is cold, it's human nature. We can't change human nature, what we can do is to change ourselves and make ourselves more valuable.

There is an important problem to be solved in providing for the aged: is it more valuable as you get older?

There is a joke that someone was waiting at the station and heard two old people talking.

Old man A: "My eldest son asked me to live in Beijing, and my second son asked me to live in Nanjing."

Old man B: "You are so happy. Both sons are so filial. "

Old man A: "The eldest son is in Nanjing and the second son is in Beijing."

The old man became a ping-pong ball and was at the mercy of others. Happy old people will become "football" and be robbed. Old and valuable, you will be robbed. If you are worthless, you may be pushed around.

Endowment insurance can make people richer and more valuable as they grow older.

Second, there is privilege and dependence.

Most people are afraid of getting old and want to stay young. If you want to stay young, there is only one situation in this world, that is, young and dead. Birth, old age, illness and death are laws, and no one can escape.

What is "old"? Why are you afraid of getting old? What should I have in my later years to be happy?

The answer lies in the word "old". Let's look at the word "Lao", which is an ideographic character and gradually evolved into the current word "Lao".

Judging from the origin of the word "Lao" (as shown in the figure, from right to left), the earliest "Lao" in Oracle Bone Inscriptions is a person with messy hair and crutches.

Hair is messy, indicating that it is long and irregular. In ancient times, hair was very important, and the husband's "husband" was a rite of passage. Cao Cao cut his hair without cutting it, the "haircut order" when the Qing Dynasty entered the customs, and the braid cutting movement of the revolutionary army all showed that hair etiquette was too important in the past. In ancient times, it was a great privilege to let the elderly have long hair. The first meaning of the word "old" is that you have some rights when you are old.

Walking on crutches is exactly what the elderly need external support when they are weak. The second meaning of the word "old" is that the elderly must have support in their later years.

The magic of China's writing is that we can read a picture from the writing, understand the meaning of the writing and understand a truth. The word "old" tells a truth: when you are old, you must have privileges and rely on it.

Let's talk about the privileges of the elderly first.

Why are people afraid of getting old? Because old age is a period when all kinds of strength are slowly lost. During this period, the rights of the elderly gradually disappeared: the right to work, the right to speak, the right to health, the right to exercise and the right to life.

What privileges will we have when we are old?

Some people say that in the old age, taking the bus is free, there are special seats for the elderly on the bus, and tickets to the park are also free ... These are not privileges, but a kind of care for the elderly.

When we are old, we should have an important right, that is, the right to money.

There is a famous saying in political science: the economic foundation determines the superstructure. For us ordinary people, it is: financial resources determine rights.

As a financial tool, insurance can turn money into more privileges when we are old. This privilege is:

Privilege one, beneficiary. When we buy insurance, we can designate the beneficiary of death, and the beneficiary can change at any time.

Privilege two, the insured. As the insured, he can insure his lover or children for a long time. The insured has the right to surrender at any time. Those who can't take care of themselves in their later years choose to turn themselves in and ask someone to take care of themselves with the money from the surrender.

Privilege three, the insured. As the insured, I have the right to claim the insurance money.

Privilege four, earmarking. By saving money through compulsory insurance savings, the insurance money will become one's own money, which will not be arbitrarily misappropriated because of the temptation of consumption, family loans, family changes and so on.

Let's talk about old age dependence.

Yi Shu, a female writer, once said, "First of all, I want to have a lot of love. Without love, I want to have a lot of money. " In fact, this sentence is very suitable for explaining old-age care. What people need in old age is nothing more than two things: care and care from others, and a certain material life guarantee foundation.

What is pension? Pension = love+money.

Money is the material foundation of old age. In old age, the source of money mainly depends on: social security, savings, children, investment, commercial insurance ... (pictured)

I often hear people say, "I have a social security pension, and I will rely on it in the future." Some people say, "It is enough to rely on children to support the elderly in the future." Others said: "I only need to reserve my pension through the bank, and I don't need to buy commercial pension insurance."

I can only tell them: "Pensions need to be prepared in many ways, not single!"

A safe, reliable and mature pension fund preparation method is the "four-legged bench" pension model. (pictured)

Some developed countries adopt this model, and the "four legs" of their pensions are: personal reserve, enterprise annuity, national pension and commercial pension.

The four-legged bench is very stable and safe. I've been tired all my life. Sit on it, have a rest and enjoy your old age.

Some people think that there can be old-age social security without buying commercial insurance. Social security for the aged is just one leg of our "old-age bench". When talking about endowment insurance, the leaders of the China Insurance Regulatory Commission said: "Social security is to ensure that you have money to buy rice and food when you are old; Enterprise annuity is to let you have meat to eat; Personal pension insurance allows you to drink some red wine. These are the three pillars of China's pension system. Now we must reduce the proportion of the first pillar in old-age care and give more play to the role of the second and third pillars. "

Scientific pension planning must have these characteristics: safety, stability, sustainability, growth and diversification. Social security is the foundation, and social security is only a basic welfare of the country, which can ensure that we have food after retirement. If we want to live a more comfortable life in our later years, we need commercial endowment insurance as a supplement. Scientific pension preparation is like Gai Lou: social security for the aged lays the foundation, commercial insurance supplements the bricks, the inherent assets are steadily strengthened, and the investment tools are finely decorated.

When we are old, we should have the privilege and dependence, so that we can better enjoy our old age. Endowment insurance can give us more privileges and more dependence in our later years.

Third, emotional pension and contractual pension.

China has a tradition of raising children for the elderly. Times are changing, and people with this idea need to change their ideas. We can rationally think about a question with the thinking mode of insurance: What are the risks of raising children to prevent old age?

The risks of providing for the aged are:

First, the child has grown up and has no money. What should they do when they are old? Who can guarantee that children will be rich when they grow up?

Second, what should I do if my child has a risk accident? Who can guarantee a safe and healthy life for children?

Third, what should children do if they grow up unfilial? Who can guarantee that children will be filial when they grow up?

Then who will provide for the aged? The answer is to rely on yourself. When you are young, you depend on yourself. When you are old, you can support yourself by making early arrangements and preparing early. This arrangement enables us to be financially independent and will not bring financial pressure to our children. As the famous economist Chen Zhiwu wrote to his daughter:

"Your happiness in life is our greatest wish and hope. When you grow up, everything you do must be based on whether you make yourself happy or not. Parents in China generally emphasize filial piety to their children and expect their children to be raised when they grow up, which is called "raising children to guard against old age". Many parents, or the whole China society, judge their children's "quality" by their filial piety. You must not have such a burden, we really don't want you to think so.

To tell the truth, my mother and I have already bought pension funds, medical insurance, investment funds and even long-term care insurance. If we are too old to move and need long-term care from others, then the insurance company can pay for the care. When we get old, we either hire someone to take care of us or go to a nursing home. In short, we will make various economic arrangements. When we get old, we don't need your filial piety in return, and it won't be any burden on your economy. "

Through the media, we can often see some cases of unfilial children failing to support the elderly and their parents taking them to court. It is better to prepare a legal contract pension in advance than to resort to law and become a "legal pension" afterwards. Commercial pension insurance is a legal pension contract, which gives us a pension and many privileges when we are old.

Pension money is actually a question of saving money, whether it can be saved or not.

Commercial endowment insurance allows us to save money and control it ourselves. This is our own legal contract pension.

Share the risk with you

Share peace with you

I don't sell insurance.

I'm selling future plans.

Be a reliable insurance agent with temperature.