Ping an insurance has been bought for two years and cannot be fully refunded. When my mother bought it, she didn't know that she couldn't get a full refund if she didn't buy it. Is it really a lie?

Pay more than 10 thousand premiums a year, and only refund a few thousand dollars when surrendering; And the deposit in the bank can be withdrawn with interest at any time. Why can I only refund the cash value when I surrender my insurance? What is the cash value? Why do you feel that insurance is a bit pitted? Let's talk about it today

Bank deposit and insurance are not the same financial product. Different products, of course, no comparability!

Cash value is a concept in long-term life insurance.

Generally speaking, it is the money you can get back when you want to surrender after the hesitation period. When you pay the premium, what you buy is a kind of protection. If you buy accident insurance, pay a premium of 2,000 yuan. After the policy comes into effect, in the event of accidental death or total disability, the insurance company will pay one or two million yuan; If you buy critical illness insurance and pay a premium of 1 1,000 yuan, you can get hundreds of thousands of compensation from the insurance company after the waiting period. Insurance has a leverage, which instantly becomes bigger. Paying the premium can ensure that once a risk occurs, it will trigger the premium to instantly become a large sum of money. The fact that more money is paid by customers is the guarantee of insurance.

If you put your money in the bank, will your money increase instantly when the risk occurs? The answer is definitely no! When the risk comes, there is too little money to solve the problem, so we can't put all the money in the bank. We can allocate some money to insurance, use the leverage principle of insurance to solve the risk, and have an urgent cash to solve the problem.

Buying insurance can be said to be a gambling contract with an insurance company.

In case there is a risk in the middle, from an economic point of view, if we win the bet, the insurance company will turn the small premium into big money to pay us; If there is no risk, from an economic point of view, we lost the bet and paid the fee, but the risk did not come, we would feel that the money was wasted. If there is no risk, it is really not worthwhile to buy insurance. You can choose not to buy insurance, but if you don't gamble with insurance companies, you have to gamble with risks. If you lose, you have to accept the consequences of losing the whole game. But for people who have bought insurance, even if the risk does not come, the risk has been transferred to the insurance company from the day when the policy takes effect. The insurance company will prepare claims for you and provide decades of protection and service for your loyalty.

Insurance companies are commercial units and have basic operating expenses.

The premium of each policy will be divided into several parts: one part is the operating expenses of the insurance company; Part of it is risk reserve, which is used to make claims at any time; The other part is the customer's own money, that is, the cash value on the policy. Long-term insurance generally adopts the balanced rate, and the annual premium is the same. I paid the premium when I was young. If there is a claim in the early stage, the insurance company will pay a high amount of compensation, which is risky and the cash value of the policy is low. However, in the later stage, the customer is not out of danger. For insurance companies, the risk will gradually decrease, the premium paid by customers will gradually accumulate, and the cash value of the policy will gradually increase. At a certain point, it will exceed the premium paid. At this time, even if there is no danger, it saves a sum of money. Therefore, if you surrender in the middle, especially in advance, the cash value will be low, and customers will suffer losses.

Insurance is a tool for saving money, not making money.

The purpose of buying insurance is to make a good life plan in advance, and to ensure that no matter whether you are young or old, whether you are quiet or unhappy, you can ensure that you have certain funds to cope with it calmly. Don't give up to make money, and don't forget that your enterprise can achieve your ultimate goal.

For example. It's like getting on a bus and buying a one-yuan ticket. The bus company collects a one-yuan ticket, and the service it provides is to take you to your destination. However, if you have to get off the bus halfway, you must ask the bus company to refund all the one-dollar tickets to you. If not, you think the bus company is cheating. Do you think this is inappropriate?

Insurance is a financial product, and it really needs professional and honest insurers to interpret the terms for customers. When buying insurance, there is still a hesitation period of 15-20 days after paying the premium. There is no loss in surrendering insurance during the hesitation period, so you must find a professional agent before buying insurance and make a decision after you fully understand it.