What are the benefits of buying insurance?

The first is the guarantee function; The second is the investment and financial management function; The third is the financing function; The fourth is to serve the social function.

First,? The function of guarantee is to transfer risks. Whether it is property insurance, life insurance or life insurance, it is to transfer risks and reduce economic losses. Not to mention property insurance, everyone understands the principle of "compensation at the price". Life insurance, here is the key point:

1. No matter how capable a person is, there are two things in life that cannot be controlled, that is, accidents and diseases.

2. After the accident, the injury treatment fee and death compensation fee are all considerable expenses. When the insurance company comes forward, the economic pressure faced by the accident will be reduced, or even there is no pressure.

3, sick in hospital. The cost of treatment is also considerable. Is it better to bear it yourself? Or is it better for the unit to reimburse? If you buy insurance, you can be reimbursed by the insurance company.

Second, the investment and financial management function. The policy pays dividends every year, combining fixed dividends with floating dividends to maximize the interests of customers.

Third, the function of financing. In case of emergency, policy loans can be used to solve the urgent need.

Fourth, serve the social function. Insurance itself is a kind of great love and charity. Through insurance compensation, more families can escape the disaster and live a happier and warmer life, thus promoting social harmony.

Benefits of buying insurance

Insurance insurance can naturally prevent risks. When economic conditions permit, buying insurance is a good means to transfer risks. The economic losses caused by natural disasters and accidents are generally huge, which the affected individuals cannot cope with and bear. One of the benefits of buying insurance is to transfer your own risks, and the institution that bears the risks is the government or the insurance company. To a certain extent, I took personal risks.

Second, loss sharing can be carried out: the government and insurance companies will share the huge losses of a few people to many policyholders in the form of collecting and paying insurance premiums, so that the unbearable losses of individuals will become losses that most people can bear, in fact, the losses will be shared equally to policyholders with the same risks. Third, compensate the insured who suffered losses: The advantage of buying insurance is that it can compensate the insured who suffered losses from the following aspects: (1) Property losses suffered due to disasters and accidents; Casualties caused by disasters and accidents; Economic compensation that should be paid to others according to law due to disasters and accidents; All expenses incurred by the insured for rescuing the subject matter insured after the other party fails to perform the contract and suffers economic losses due to disasters and accidents. Fourth, some insurance products have both insurance function and investment value: insurance products can also be used as an investment and wealth management product. If there is no insurance accident during the insurance period according to the terms of the insurance contract, you will not only get more insurance money than you paid in the past, but also get other benefits besides the principal.

Is it necessary to buy insurance?

Insurance is the best way to solve the three basic problems of human existence. Life is alive, and it is impossible to be safe all your life. The basic security requirements are: avoiding accidental injuries, being healthy and providing for the elderly. In order to solve these three basic problems, insurance has designed corresponding insurance types to provide us with protection.

1. Accidental injury: the greatest economic and spiritual loss of mankind. Accidental injury and accidental medical insurance can best reflect people's survival value. Accidental injury can buy compensation insurance to reduce the economic losses caused by accidental injury. For unexpected medical treatment, you can get a certain degree of medical expense discount, such as exceeding the insured amount 100 yuan, and all outpatient and hospitalization expenses will be reimbursed). 2, good health: the weather is unpredictable, and people are unfortunate. We can't guarantee that our bodies will never get sick, and people will be in danger. How to reduce the necessary economic losses or get corresponding compensation, reduce personal economic losses, buy a health insurance, and get a safe guarantee. 3. Providing for the aged: In modern society, everyone no longer expects to provide for their old age. It is the choice of most middle-aged and elderly people to buy insurance to make their old age comfortable. The state has incorporated endowment insurance into our social insurance system. However, if some citizens or units do not buy insurance, they should consciously buy it to increase their protection in their later years. At present, the phenomenon of social aging is a problem that human beings attach great importance to, especially under the existing economic conditions in China, the family structure of "4-2- 1" gives individuals.

Pension brings many problems that have to be considered.

Is it necessary to buy insurance?

Insurance is the best way to solve the three basic problems of human existence. Life is alive, and it is impossible to be safe all your life. The basic security requirements are: avoiding accidental injuries, being healthy and providing for the elderly. In order to solve these three basic problems, insurance has designed corresponding insurance types to provide us with protection.