Some people say, my family is not short of money, what is the use of insurance?
First of all, there are many types of insurance, each with its own uses!
The biggest problem that insurance can solve is:MoneyThe problem, this isProtectionInsuranceLeveragecan play a role.
If it's not bad money, then it means inAccidentalMedical,HealthMedical andHigh-endMedically, you can take it in stride, but it's only covered by insuranceaAspect. Your sense of security in this regard may come from your abundant cash flow.
If you are not bad for money, to settle is in the propertyDirectional inheritancewithValue-added preservationon the risks that may occur.
Broadly speaking, insurance for a family means:Reduce risk, toolsSavings functionPlan for your family's financesPlan aheadSupplemental coverageProtect family assets, rightthemselveswithFamilyCharge.
After buying insurance, the insured can transfer the risk part of the illness and accident to the insurance.
You can buy education annuity insurance, pension insurance, increased whole life insurance and other insurance, which can not only get protection, but also have the effect of compulsory savings and stable income.
The family's money should be stored and spent in a planned manner, and the expenditure of insurance can be claimed by the insurance company when the family faces risks such as accidents and diseases in the future, so as to resist the financial risks caused by diseases or accidents.
Market changes can affect the value of household assets, but most people are not resilient to market risks. Insurance can be used as one of the ways to protect family assets, not only for protection, but also for insurance (such as increased whole life insurance, savings insurance, etc.) can also provide the function of asset preservation and appreciation and directional inheritance.
For high-net-worth individuals, there are differences in the process of business management, marriage survival, wealth inheritance, etcRisks
1) Enterprises, especially family businesses, are most likely to ignore the fact that personal property and business property are not carried outIsolationIf there is a risk in the operation, you will fall into it and cannot extricate yourself.
b).Marital survival riskNo one's marriage can be guaranteed to be impregnable and impregnable.
According to the data of the Ministry of Civil Affairs: In 2022, the divorce rate in my country is:%。Once a couple with a large amount of wealth incurs marital risks, they face the division of family propertyCertainty
Division of marital property, business or family propertyScaleThere will also be changes. The most typical example is that in 2019, Jeff Bezos, CEO of Amazon "the richest man in the world", divorced his wife Mackenzie, and his personal net worth of $160 billion shrank to $114 billion in an instant. At that time, he paid his ex-wife as much as $35.6 billion in breakup fees alone.
3) Wealth inheritance.
A wealthy second generation in Shanxi inherited hundreds of millions of family businesses and lost his wealth in a few years. Without good financial planning, the speed at which money runs out is staggering. Such examples abound.
Insurance can be used in wealth inheritanceAdvantages:to plan for the wealth you already have:
1. YesspecifyBeneficiary.
2. Insurance claims can be paid without paymentIndividualsIncome tax.
IsolationBusiness and family property, wealth protectionLong-termSafe.
4.Beneficiary money canStagingBatchingPayments are made to beneficiaries to ensure long-term security of wealth.
5.Enlarge OKInheritanceHeritage.
6.Comparison of the designation of insurance beneficiariesConcealmentto avoid family disputes.
Summary: Not bad money also needs insurance as a financial toolHedginguncertain risks and the impact of these risks on household finances.
You can use insuranceSecuritySolve the needs of the elderly and pursue a high-quality life.
With insuranceDirectivitySolve wealth management and inheritance.
Stability with insuranceGrowthSolve asset allocation needs.
Follow me, insurance doesn't get lost!