Recently, the newly released TV series "Flowers" has set off a craze.
People in the play have devoted themselves to the prosperity of A-shares, however, behind the high income is high risk.
What should I do if I encounter an accident?
This brings us back to the essence of the question, what are the benefits of insurance?
Insurance, although it may not be as eye-catching as stocks, is everyone's right-hand man for a better life. It plays a vital role in preventing risks and protecting the family's economic security.
Let's take a look, what are the benefits of insurance?
1. If you die prematurely, insurance will help!
When the "pillar" of the family dies early, it is undoubtedly a disaster for the family. In addition to the mental anguish, the loss of financial support also puts a heavy financial strain on the family.
Insurance coping: Purchasing life insurance is the main way, if you die due to an accident or illness during the insurance period, the insurance company that meets the conditions for insurance benefits will pay a certain amount of death compensation to help the family cope with financial stress.
For example, many people choose to buy China Merchants Cigna Life's Steady Win No. 1 Whole Life Insurance, the benefit of this type of insurance is lifelong protection, and children's education, marriage, entrepreneurship, retirement and other situations will be guaranteed.
What is reassuring is that this type of insurance not only provides basic protection, but also includes value-added and other services in the contract, so that everyone is not afraid of market fluctuations.
Of course, term life insurance is a good choice for young people who are just starting out in their careers or people with low incomes, which can provide you with adequate protection at a lower premium during a period of heavy family responsibilities.
2. In case the night is bleak, it is better to have a life insurance cover!
Longevity is a good thing, but it can also lead to the risk of insufficient pensions and increased medical costs, causing financial concerns for individuals and families.
Insurance response: Purchase pension insurance or increased whole life insurance to provide lifelong income and ensure a stable financial source in old age. Health insurance can also help cope with the health problems that come with longevity.
Many people are worried about "stepping on the pit", and here is still a reminder - buy insurance and choose a well-known brand, which is guaranteed, and you must comprehensively look at the claims data of this insurance company.
Taking China Merchants Cigna Life Insurance Company, which has been established for 20 years, as an example, its 2023 claims report shows that the total amount of claims of China Merchants Cigna Life Insurance will reach 1.393 billion yuan, with an average daily compensation of 3.8711 million yuan. The total number of cumulative compensation cases exceeded 515,000, and the maximum amount of compensation in a single transaction reached 12 million yuan.
This shows that this company is strong and reliable! The more compensation it pays, the more reliable it is.
When friends buy insurance, it is recommended to search for the annual report of the insurance company and read it.
3. Encounter "disease"? There is an extra layer of protection for critical illness insurance!
In life, no one can guarantee that there are no accidents in life. According to the Ministry of Health, the incidence of a major illness in a lifetime is as high as 72.61 and is even increasing. It may be found that there is a problem with the body during a routine medical check-up, and once faced with such a change, not only will you need long-term care and treatment, but you may also lose your source of income.
Insurance response: Purchasing critical illness insurance will give you more confidence to deal with challenges. When it comes to critical illness insurance in health insurance, then the more professional one has to be the Fuxiang Health Critical Illness Insurance product launched by China Merchants Cigna Life Insurance Company, which has comprehensive protection against 160 high-incidence diseases, covering 120 severe diseases and 40 mild diseases. It is worth mentioning that if you are diagnosed with a mild illness for the first time, the remaining premiums will be waived, which is more cost-effective overall.
Benefits of insurance in a broad sense
More broadly, risk is not just personal risk.
In life, there are also marital risks, child risks, investment risks, property risks, business operation risks, legal risks, and so on. For some predictable risks, we can effectively manage them through avoidance strategies.
For unpredictable "black swan events", it is necessary to take precautions, purchase appropriate insurance products according to life stages, and ensure that there is sufficient financial support when different risks occur, which is a very effective response.
How to deal with each risk and how to buy insurance, the space is limited and cannot be expanded one by one, welcome interested friends to exchange what are the benefits of insurance!