Are all the people who buy insurance fools?

After reading so many answers above, it is certain that all respondents sell insurance. Do these people punch themselves in the mouth? The purpose of insurance companies is to make money by doing business, not to help you. This is not a charity. You have to be clear! ! !

Some people say that if insurance is deceptive, can the state strongly support it? Haha, just kidding. Some countries support projects that are not swindlers, not to mention the three mountains of education and medical housing. As soon as the recent Beijing-Shanghai high-speed railway was opened, how many people were forced to take it! ! ! If social security is not compulsory by the state, will a fool pay social security? Can something that can be achieved by coercion be a good thing? If you say something unpleasant, even GJ is a liar. What else is not a liar? Only oneself is reliable in this society, and the rest are just clouds.

Insurance is useless. If you don't burn it with too much money, it is more reliable to keep the money in your own hands. I have compared the insurance rules of N insurance companies, so let's talk about the so-called wealth management insurance. After the end of the 20-year insurance period, the average annual income is four to five percentage points, with interest and principal. What is the five-year time deposit in the bank now? 5.5%! ! In other words, insurance companies can take your money and deposit it directly in the bank for a fixed period of time, which can eat you up by one to two percentage points every year, not to mention that they have raised hundreds of billions of funds nationwide and then invested. Some people say to buy accident and serious illness insurance. Unless you have the money to buy a lot of insurance, you may lose a lot if something really happens. Otherwise, you can't afford 50 thousand or 60 thousand ! !

Look at the insurance sellers, laid-off workers, unemployed youths, and aunts of neighborhood committees. They don't even know the true meaning of insurance. Can you trust them? Then again, they won't tell you the truth.

In short, the landlord, it is most important to keep a good mood, exercise and be healthy. If you have good financial experience, manage your own money, if not, deposit it in the bank regularly. Don't feed these insurance sellers with money. . . . Self-reliance is the truth.

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