Twenty years ago, a paper insurance policy carried too many simple couples' expectations for the future. However, as the years passed, we finally saw the essence of this insurance.
01
I remember 20 years ago, not long after I got married, for the future of my family, I bought the first insurance - Chinese Life's Corning Whole Life Insurance. At that time, our economic conditions were average, and the annual premium of 840 yuan was not a small amount for us, but I still mustered up the courage to buy it for my husband. Because I believe that insurance can give my family the best protection, and I believe that an insurance policy can dispel the determination of the future.
At that time, many ordinary families would choose to buy a whole life insurance. On the one hand, it is used as a guarantee for family finances, and on the other hand, it also contains a vision for a better life.
Life was not rich at that time, but people were always full of hope, believing that if they worked hard, the future would be better. Therefore, many people will not hesitate to save money, but also buy a psychological comfort for themselves and their families.
I was one of them. Facing a hopeful future, I choose to believe that insurance can give my family the most solid backing. Even if it's already a lot, even if I need to cut back on food and clothing, I have to buy this peace of mind for my husband.
02
Unfortunately, the good times did not last long, and I later found out that this insurance did not give me the protection I imagined.
First of all, the protection for critical illness in the insurance details is only twice the basic sum insured, that is, 20,000 yuan. I thought that there would be higher protection for critical illnesses, and in case of a really unfortunate illness, 20,000 yuan is simply not enough under the current medical level. It was a far cry from my expectations, and I was very disappointed.
Second, the scope of major diseases is not well defined. There is only a vague scope written in the terms of the insurance, but the specific illnesses are not listed in detail. This makes me worry that if the illness that occurs on my body is not covered, then the insurance is meaningless.
Finally, the terms of this insurance also confuse me. If a critical illness occurs first, and the insurance company has paid the illness insurance benefits, and my husband or I later pass away, the insurance company can deduct the critical illness insurance benefits paid from the death benefits. In other words, the actual death benefit was far less than I imagined.
I regret that I didn't read the terms of the insurance policy carefully, but just bought the insurance in a hurry because I believed what my friends and the insurance salesman said. I think if I had taken the time to understand what insurance really meant, I probably wouldn't have made that choice.
03
After my own lessons, I have learned that insurance is not necessarily the real protection. It can also become a psychological burden for consumers.
Therefore, I would like to warn more ordinary families like me who have purchased Chinese Life Corning Whole Life Insurance: Be sure to read the terms of the insurance carefully and do not believe the words and promises of the insurance salesperson. They tend to only talk about the benefits of insurance and won't tell you what really is covered and what is not enough. This insurance does not have high requirements for quality, and many critical illnesses are not covered.
At the same time, I also call on insurance companies to think about their customers and truly design whole life insurance products with comprehensive protection. Don't just think about revenue growth, but make consumers feel the value of insurance. Our ordinary people's need for insurance is simple - when a family member suffers an illness or dies, we can get basic financial support.
We hope that all insurance companies will listen to us and strive to improve product design. Of course, when choosing insurance, you still have to do what you can. No matter how small the cost of insurance is, it is also a burden. If you can't afford insurance, you don't have to force it. We can also protect our families through savings, investments, etc. Insurance is not the only option.
04
Twenty years later, I finally understood that the essence of insurance is not in its monetary payout, but in a kind of responsibility and commitment.
The signing of an insurance policy is a commitment made by the insurance company to the customer. It promises to do its part to support its customers through the difficult times if something unexpected happens. This commitment is based on the responsibility and trust of both parties.
Customers need to understand the true meaning of insurance, assess their financial ability, and choose the protection product that is truly suitable for them. Insurers also need to keep their promises to support customers when they need it most.
After these 20 years of vicissitudes, I finally understand the true meaning of insurance. It is not a simple monetary payment, but a responsibility and commitment that binds both parties. This sense of responsibility and security is the true value of insurance.
Finally, I would like to say to the ordinary families who bought Chinese life insurance like me 20 years ago: that simple heart has been precipitated by the past 20 years. Let us turn our longing and expectation for life into understanding and cherishing reality. Insurance is only a small part of life, and more of it is still created by your own hands.
May we all go through the ups and downs and still be hopeful. I believe that life will get better and better, because we are enriching and enriching it with our own efforts.
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