What are the five major risks of life specifically

The five major risks of life:

1, the five major risks of the traditional risk

-unpredictable and unavoidable risks: accidents, diseases;

According to the Ministry of Public Security statistics, each year, the country's accidental deaths of about 1 million people, an average of 2 people died in accidents every one minute, of which traffic accidents deaths of 87,600 people, an average of 1 death every 6 minutes and 4 seconds, accidental serious injuries every minute 1 person, minor injuries every minute 3.2 people.

The probability of a person suffering from a major disease in his lifetime is as high as 72.18% (source: data from the World Health Organization). What's more serious is that the incidence of major diseases continues to rise! The Shanghai Center for Disease Control and Prevention (SCDC) released a news release saying that according to the latest statistics on cancer surveillance data, an average of 1.79 out of every 100 Shanghainese are now cancer patients, with an average of 150 new cancer patients in Shanghai every day, and 100 deaths due to cancer every day, and that the number of cancer incidence, deaths, and number of current cases of cancer in Shanghai are at a higher level in the country.

--Insurance does not prevent the occurrence of risk, but it can avoid the secondary damage to the family wealth when the risk occurs;

--Compensation, the big stop-loss is the most primitive function of insurance!

2, the five risks of human nature risk

--impulsivity, greed, vanity, this is the risk of human nature;

People have the urge to consume, other people to buy a car you also want to buy a car to look at other people's imported cars you want to change; women are more of a businessman's God, bought LV also stared at the Hermes, many Chinese people (especially Chinese women), but also to the world of the world. Many Chinese people (especially Chinese women) consume a quarter of the world's luxury goods every year with incomes far lower than those in developed countries;

Greed is the human nature of every human being. Because of greed, many people face the stock market in 06/07 will be reckless to throw themselves into it, the young people to the only set of house to mortgage, 60, 70-year-olds will be the life savings out of the phenomenon of speculation in the stock market has occurred repeatedly, but experienced in October 2007, 6124 points of the "stock market peak", the stock market has been in decline for nearly seven years. Nearly 7 years of decline, to date, only hovering around 2000 points; because of greed, the face of the current claimed returns of 15% or even more than 20% of the P2P products, the same many people to "life-saving money" and "life-sustaining money" into it, in the end! Blood money is not returned even the heart of jumping off the building have;

Vanity in common parlance is love of face, relatives and friends to borrow money when biting the bullet, is vanity; borrowed money is embarrassed to discuss, is also vanity;

- human nature of the risk of letting us although the "life-supporting money "in the bank, but not necessarily retained;

- human nature risk may be more erosion of family wealth;

- insurance is a kind of mandatory savings, is the most planned savings that is more than savings and is truly the most savings.

3, the five major risks of longevity risk

-- the pension gap is longevity risk

According to data released by the Shanghai Municipal Bureau of Human Resources and Social Security in 2007, the pension insurance fund gap of 4.955 billion yuan; in 2008, the gap rose to In 2008, the gap rose to 8.863 billion yuan; in 2009, the figure was 9.186 billion yuan; and calculations show that Shanghai will face an 83.1 billion yuan pension shortfall by 2020, with all policies remaining unchanged!

But correspondingly, the average life expectancy of Shanghainese people has been increasing year by year; in 1984, the average life expectancy of Shanghainese people was 73.9 years old, in 1994 it was 76 years old, in 2004 it was 80.9 years old, and nowadays the average life expectancy of Shanghainese people is close to 85 years old.

-Two factors will create a shortfall in pensions: 1) inflation; 2) living too long;

--Pensions are life-preserving money, and no mistakes are allowed! The mandatory savings and long-term steady appreciation of the two characteristics of the insurance, to ensure that the insurance has become the life of the best financial solutions to solve the pension;

--"Pension insurance" is the best tool for old age, which is not the same as the bank savings, in fact, the purchase of pension insurance is to dig a mouthful of money to save. In fact, the purchase of pension insurance is to dig a well, there is a constant flow of living water to drink, while the bank savings is a tank of water, scooped up after there is no more.

4, the five risks of career / career risk

- people's careers or careers are dependent on a certain industry, and the industry will be due to the economy and other factors have a cyclical impact, so our career (career) will also be ups and downs, whether in the workplace or their own business can not be smooth sailing!

Business magazine statistics

The average lifespan of a private enterprise in China is only 2.9 years;

Every 3 years, nearly 68 out of 100 enterprises die;

Every 5 years, nearly 92 out of 100 enterprises in Beijing's Zhongguancun disappear;

Every 20 years, 80% of China's enterprises will be eliminated!

--When we are fruitful in the fall, we should know how to leave food for ourselves and our families for the winter;

--Insurance is a kind of cash flow equal to the length of life, and it is a wealth planning that can be stable in the long term and increase in value by compounding interest;

--Wealth planning that can increase in value by compounding interest;<

-With insurance, you can work in the workplace, shopping malls without worries, so it can be said that "insurance accompanied by a worry-free career".

5, the five major risks of wealth holding/inheritance risk

--How to preserve the assets of the family separation? How to get back on your feet when you are in debt? How to maintain life when freezing? A person is really rich, not how much wealth they have now, but how much wealth they can own and retain in the long term in the future;

--According to their own wishes? Preserve and increase the value of the inheritance? Saving tax costs? Impact on future generations? Confidentiality? Timeliness? Can you really leave your wealth entirely to your children? Will the wealth you leave really help him?

--Separation of the family does not divide the property, the father's debt will not be repaid by the son, and the accident will not be frozen, these insurance can be done;

--Insurance is a kind of legal contract, which is in the form of a contract to lock the wealth, to ensure that the preservation of the wealth, the long-term sound compound interest appreciation.

Risks cannot be predicted, but life can be planned!