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"Many people don't think this is just a publicity stunt of insurance companies, but when they went bankrupt safely, they saw Kenneth, the former president? When Lai still receives a pension of about 970,000 yuan from the insurance company every year, we have to be convinced of the truth of this statement and admire Mr. Li Ka-shing's excellent views on risk management. Avoid risks and make a small profit. Although the rich do not need more protection on medical expenses, they should ensure their ability to earn money. Because in the event of an accident, the rich lose only life itself, and the whole family loses not only the pillar, but also the material basis for continuing a high-quality life. By purchasing full insurance, it can be guaranteed that when they lose the ability to earn money, they and their relatives can recover the lost quantitative value and ensure the continuation of a superior lifestyle to the greatest extent. As we all know, with the constant changes in the market environment, the risks of enterprise management are everywhere, and the assets of the rich are easily shrunk due to poor management or financial environment turmoil. Today's multimillionaires may fall into abject poverty overnight. But insurance is like our own "miser", faithfully following us, preserving assets and locking wealth for our families. ◆ Inheritance of wealth in financial planning Article 23 and Article 34 of the Insurance Law of People's Republic of China (PRC) respectively stipulate that "no unit or individual may illegally interfere with the insurer's obligation to pay compensation or insurance benefits, and may not restrict the right of the insured or beneficiary to obtain insurance benefits. " ; " Without the written consent of the insured, a contract with death as the condition for payment of insurance benefits may not be transferred or pledged. "Because the life insurance contract is based on human life and body, when all property is frozen or even auctioned, the life insurance policy cannot be frozen or auctioned, and the insured's claim for insurance money is protected by law and is not included in the asset settlement procedure. In addition, the policy loan function can also be the best "cash out" tool at critical moments. From the experience of some developed countries and regions, life insurance is still a good tool for reasonable tax avoidance and inheritance arrangement. Many rich people in the world have effectively avoided the interest income tax and inheritance tax caused by the seizure of a large amount of funds and property by purchasing high life insurance. At the same time, the unique way of insurance designating beneficiaries can also effectively avoid inheritance disputes. Therefore, for the rich, it is a wise choice for themselves and their families to plan their wealth as soon as possible. Care is tangible, but friendship is priceless. The wealth accumulated by the rich through hard work does not want to be squandered by the rich second generation, and it is even more unwilling for their children to become pleasure-seeking parasites. Insurance can be paid in years in the form of annuity until children get old, which not only cultivates their ability to live independently, but also ensures their quality of life. Among today's insurance products, there are many products for high-end customers to choose from. For example, Hong Zhong Insurance's Fu Guinian Old-age Security (dividend-paying) is a comprehensive insurance financial product designed and developed to meet the needs of high-end customers for short-term payment, quick return and flexible financial management. This product can easily realize five-year payment, realize full payment by reducing the amount, realize flexible payment, and enjoy relevant insurance benefits with peace of mind according to the proportion of payment. From the fifth anniversary of the policy, the insured can receive cash for survival every year until it expires, and obtain long-term and stable cash flow. After the expiration of 40 years, you can also receive 400% of the insured amount. In addition, in the critical period of life (18-60 years old), additional accidental death protection can be obtained. Customers can make plans flexibly according to their expectations of the future economic situation. (Source: Hong Zhong Insurance)

Being rich means having wealth at present, but can you guarantee being rich forever? Can these wealth be preserved and increased? Can wealth be passed on to the next generation? These are unpredictable. Unpredictable economic changes and unpredictable personal risks may cause wealth to suffer losses. For the rich, insurance may not make you richer, but when you and your wealth face an unpredictable world, insurance will make it easier for you to grasp the unknown future. There is a view that Wang Yongqing is rich and Li Ka-shing is rich, even rich enough to start their own insurance companies, but why do they all buy a lot of life insurance? They don't need insurance to solve things like medical care and old-age care, and they can make arrangements in other ways. On the one hand, insurance is a tool to preserve the value of assets. Insurance is designated income. In many cases, the arrangement of other property will be restricted by law. For example, the property of husband and wife is not given to anyone who wants it, but who is designated by insurance as the beneficiary. Of course, at present, insurance beneficiaries can only be designated as charities or non-profit organizations within the immediate family, overseas and even. Therefore, buying insurance can also be a way of doing good. Another very important aspect, insurance helps people avoid unpredictable risks in the future. We can tell those ladies who save "private money" that the money is legally invalid and is the property of you and your husband. Once he has a debt and is recovered, the money will still be taken away, and it can't play the role of preserving property for the family. And you use this money to buy insurance, even if your property and car are recovered, this policy can be kept. Because in law, the insurance policy is an option of future income at the expense of human life, organs and longevity, and it is not the object of recovery. When you recommend insurance to customers, if you talk about insurance as an investment, usually wealthy customers can't accept it, and the investment income of insurance can't impress them at all. The reason why rich people become rich is often because their own return on investment is much higher than the rate of return that insurance companies can provide them, and insurance cannot have a high rate of return. Earn more, that is the customer's own business. As an investment, we don't recommend the rich to buy insurance. White-collar workers buy insurance to transfer risks to insurance companies, because they can't afford the loss of wealth caused by risks; Although rich people can use their own money to bear the losses caused by risks, the significance of insurance lies in keeping hard-earned money and hard-earned peace. It is of little significance for the rich to buy investment insurance, but it is necessary to protect old-age insurance, term life insurance and other insurance that is conducive to wealth arrangement. Insurance itself does not have the function of direct investment, but a financial tool for risk management. Although there is money now, wealth is only a temporary accumulation figure, but insurance can transplant wealth to the future in the form of law. If you make an insurance plan with a term of 10 years, you will have a lot of money to use when it expires. Enterprises should consider the future capital turnover, and life is the same. The most direct loss caused by many risks is the loss of wealth, and only this risk can be compensated. Insurance is also a good asset preservation tool. If you can't understand what an asset preservation tool is, you can give an example: No one dares to say how much value can be added after golden decade, but with gold in hand, you will feel more secure. Another example is real estate. Having a house is also reassuring. Although it is not a sum of money now, it is an asset. Insurance is also a tool to preserve the value of assets. With these things, you will not feel uneasy in the face of the unpredictability of the future, but feel more at ease. For unpredictable risks, it may be difficult for people to escape; But through insurance, we can face the future more calmly. In the case of personal risk, insurance can become a venture capital tool. When there is no risk, do business to make money; Once there is a risk, the risk itself can bring benefits. For example, we have two customers who bought 30 million personal insurance. Once they have personal risks, the risks will turn into benefits. This is the most practical way to turn passivity into initiative and grief into strength. Generally speaking, venture capital is a business that people actively choose. There are always gains and losses in business. To make money, people are willing to take some risks of losing money. But as far as insurance is concerned, we should invest in risks that we don't want to take. When such risks come, first of all, we can't let them hit us hard. Secondly, we should not let wealth run away. It is best to turn risk into something to make money. A wise man can see the next three to five years, but he may not see the next three to five decades. So insurance is a long-term arrangement. Insurers should know that life is priceless, and the core of wealth is the value of life. The income types of wealthy customers can be divided into two types: one is the income from fixed investment and the other is the nature of the project. If the income belongs to the nature of the project, you can take out 5% of the profits to buy insurance, which only accounts for a small part of the assets, but it can form an appropriate security system. If it is a regular income, it is recommended to use the property with an annual income of 10% to insure. This arrangement is psychologically acceptable and can form a safe risk management system. If you want funds to generate more income, you can't let insurance take up too much money. In addition, an important risk for the rich to buy insurance is the interruption of premium. Because when you have money, you tend to buy more, and once the income level drops, it will easily lead to the inability to continue to pay high premiums. Once the premium is interrupted, it will bring relatively large losses, because the cost of surrender is high. Therefore, when buying insurance money, we must consider it comprehensively, not only to design the insurance plan according to our current income characteristics, but also to adjust the plan according to the forecast of the future. Career cycle should be considered in the payment. A person's career can't be at the peak all the time. So is it feasible to pay all the premiums in one lump sum if you have money? It is ok to buy life insurance in this way, but it is not appropriate to buy medical insurance. Because insurance is small and wide, it is meaningless to exchange the same premium for the same amount of insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.