Daily risk awareness and response

Since four years ago, I have taken the initiative to understand life insurance. Before, I also made a preliminary study on various insurance clauses in the market, and coupled with poor sales promotion, I resolutely put my purse on it and flatly refused. Last year, I had to force myself to buy a small apartment for my parents, thinking that it could be used to support the elderly. In case of serious illness, my only child will not be too passive. My parents have always been a little taboo about medical insurance. They didn't believe in the age at which they could be insured before, and they didn't want to be insured. Now they think that everything will be fine with social security ... Now they see the experiences of people around them and deeply understand the meaning of "can't afford to get sick". If I start my own "retirement" life now, what will I do if there are risks in the future ... Everyone seems to be thinking about making money and spending money every day, so I should always have a spare tire and auto insurance like a car. Insurance is not about putting into use, just betting on probability! With the rapid economic development in China today, the incidence of cancer is relatively high, and aging is inevitable. Other diseases emerge one after another because of the improvement of people's material life. Some diseases are not fatal, but they can easily bring down a family. Things in the next 20 years can't be thought with the thinking of the past 20 years.

Having coffee with a good friend, I met a girl from Northeast China, and her personality and I hit it off very well. At first, it was because coffee was deeper than Japanese, but I happened to know that she was doing insurance in AIA. After a period of contact with her, I found that it was really a Buddhist sale. I never take the initiative to send ghost links to brainwash me I have a list in my circle of friends, but I don't screen the screen, and the group building activities are extremely intense. Because I wanted to buy some suitable life insurance for myself and my parents before, I naturally asked her about her business. She is better at asking me about the demand and the approximate price before recommending insurance. The exemption clause will be introduced in detail, and the claim settlement case is not the kind that sounds fake. In particular, after I officially learned about the types of insurance and rates with her, she didn't remind me, and there was no private letter. She is busy with her own affairs, and most of her friends are commenting in the circle. But my own needs will make me take the initiative to place an order with her, especially after she explained to me the terms of cancer insurance for the elderly launched by an online shopping platform. I believe AIA is not only a big company, especially the elder sister in front of me can grasp my actual needs too well. It is logical and pleasant to reach insurance, which makes me feel more at ease and practical.

One-year premium is not very high for me, and it is a great beneficial supplement to my social security. In particular, I usually do more outdoor sports, and it is inevitable that something will happen. Now I am a moonlight clan. After all, I have 2 million loans to repay. I can't be too willful or too wronged. I will treat the accident and tomorrow with a positive attitude. No matter what happens, at least I won't be directly blocked or shuddered. After all, I live in a city, and many risks are independent of my will. If I can't open source, I can at least have a buffer. In my opinion, life insurance should be the minimum asset allocation for an ordinary family. In my opinion, ordinary people can use the money they earn on the cutting edge. Sometimes the cruelty of reality lies in our inability to deal with it. Then why not use a small amount of money to achieve active resistance to risks with the help of external forces within your own ability? Instead of waiting for donations on a platform like Didi Chuxing, it is better to save some money and make some security investments in daily life. It's best not to use this kind of insurance to settle claims. Those premiums will help those who need it more. ! Of course, we can think that insurance companies make money. After all, the platform and personnel operations are all invested. Especially in the future, when the number of claims caused by diseases or accidents is increasing, the pressure of pooling funds is also on enterprises, which are impossible for individuals. In recent years, I decided to leave the professional things to the professional people, otherwise we will become very tired when we eat, drink and sleep. Honesty is established in the process of continuous transmission to the other party, and it does not need to bear all the pressure of preventing bad people.

Don't gamble less, don't take more drugs, read more and play less, exercise actively, buy a house before buying a car, and add some insurance. I think stable happiness must be in front of you and me.