It was cool last night, and I finally got a good sleep.

I have always suffered from insomnia recently, and I often think of many things that may happen in the future, good and bad. People who have no long-term worries will have near worries. I think it's better to plan ahead, and it's more reassuring to plan ahead.

I am a staunch Buddhist believer, I believe that life is reincarnation, I believe that there is cause and effect, I believe that people have good news and bad news, and I always believe that there is a god who holds his head three feet high and is afraid of everything!

So I have always been a person with a strong sense of boundaries and a clear sense of love and hate. If someone goes beyond my bottom line and principles, I will definitely blacklist them without hesitation and never contact them again!

What are the bottom lines and principles?

For example, I seldom eat meat, you can eat it, but if you even eat some mental animals and enjoy them often, I think I will leave you as soon as possible;

For example, you can be full of personality and even be independent, but if you can't even be filial to your parents and have no sense of responsibility to your wife, children and family, I'm sorry, and I will stay away from you no matter how good I get along with you.

For example, everyone is full of desire for success and will strive for worldly money, fame and success. But if you are a person who has no bottom line and does whatever it takes to make money, you can betray your conscience and friends. Sorry, even if such a successful friend is kind to me, I will definitely draw a line in time. ...

In the final analysis, I may be an insecure person, especially for people and things in modern society. I try to be a vegetarian and try to eat simple things, which is the performance of maintaining food security; And my sense of security in interpersonal communication comes from my understanding of his bottom line and principles of dealing with people;

I'd like to associate with someone who is kind, reliable, responsible, filial to my parents and gives me a sense of security, rather than with a rich man who I need to be careful at all times. The so-called success ... Maybe this is one of the reasons why I'm not successful at present, but! Perhaps this is also the reason why I can make real friends and get real recognition from my friends.

Speaking of protection, I made a summary of all family insurance contracts yesterday, and suddenly found that the annual expenditure figure is close to six figures.

I don't know whether to be happy or worried. The sense of security is a little more than before, but there is also new pressure, perhaps, more motivation to make money.

In the past, when the development was smooth and the annual income was n times that of now, I was dismissive of insurance. I have money, I can make money, I can play a leading role in family difficulties, and I don't need these so-called insurance. ...

However, with the failure of several investments and the increase of household expenses, the economy is gradually stretched after a few years ... and with the deepening of insurance awareness, I think it is necessary to buy basic insurance. Of course, although it is important to buy insurance, how to buy it is more important!

For the poor in ordinary families, there must be security first (pension first, then financial management), a security from accidents, medical care and serious illness, which is a "life jacket" to send carbon in the snow to stay away from poverty and disease, while for the rich in rich families, these accidents, medical care and serious illness security are at most "umbrellas" to avoid risks and life storms;

Without an umbrella, the rich will get wet, but they can still walk hard;

However, without the "life jacket", for the poor, it is a drowning situation, which may be a regret forever. ...

Don't expect to solve the problem once and for all easily by raising money easily, taking care of everything. Do you really feel good about giving up your dignity, begging for social help and losing yourself and self-esteem?

Yesterday, I saw a friend and relative helping her classmate raise money easily in the group, in order to raise money for a leukemia child. I donated to 50 yuan, and wanted to leave a message directly at the donation office, but I refrained-the cheapest regular medical insurance or critical illness insurance for children that can be confirmed for payment now costs only a few hundred yuan in online platforms or short-term insurance produced by major insurance companies, and leukemia 100% like this is within the acceptable range. Do you have to wait until something happens before asking for help to show that you love your children? How does it feel for children to see their parents put down their dignity and beg for others for themselves? I have seen a sensible child take off the oxygen mask voluntarily in order not to embarrass his parents, and then ask his parents to donate their useful organs to the society. What kind of mood will such a father have at such a moment? ! ? Not just pain, remorse, remorse, guilt and guilt. ...

The poor are always backward and poor; Rich people, getting rich is always cognitive foresight and wealth.

I seldom share insurance ideas and information with others. For what I think is important to be close, I share it at most twice. If I'm not interested, I won't tell them a third time.

After work, I use my spare time to get in touch with and understand insurance. It is very pure and simple. I just want to really understand the function and significance of insurance, and then through insurance, I can effectively solve all kinds of protection and needs of my family. The first insurance I bought was life insurance in AIA in 2006. 6650 yuan per year. In 2006, it was worth more than 6000 yuan. However, I bought it for two years and returned it in the third year, because I didn't understand what that insurance could bring me and what it could do. Purely for the sake of face, buy for the sake of purchase;

The second insurance I bought was Century Angel, and I bought Ping An insurance for my son Zhu Jianxing from 20 10 to 10. It costs more than 6000 yuan every year. But in those years, my son often went to the hospital with a cold, and the annual medical expenses were not small expenses. However, that insurance never brought him any compensation. One day, insecure, I carefully studied the insurance contract and suddenly felt that insurance was a burden to me, not a guarantee! Because my son is ill and there is no compensation; If it is a serious illness, there is no full guarantee, and there is only a guarantee worth 43,000 yuan at most. What do I need this protection for? ! ? For my precious son, the most important guarantee I need is that if he really suffers from a serious illness that requires a lot of money to treat, I have adequate medical insurance! Accidents and social status are insignificant and irrelevant at this time. Secondly, the economic compensation and subsidy for minor illness hospitalization. So the first thing he wants to buy is a critical illness insurance and children's medical insurance (hospitalization medical insurance that can be reimbursed for accidents and diseases);

The third insurance I bought was Zhisheng Life Insurance, which was bought in Ping An Insurance on 201/kloc-0, with an annual income of more than 6,000 yuan. Since 20 13, I have been on business trips and flying around. One day, I was wondering what my wife, son and parents would do if there was an accident on the plane that day. What kind of protection can my insurance give them? Did the insurance company refund the premium I paid in advance to them? Or give me a life insurance policy worth120,000? ! ?

I suddenly realized that for people like me who often take transportation, I should buy an accident insurance first, so the third insurance I bought was Pacific Anxing Insurance, and the highest specific accident insurance was 2 million. Then, the fourth copy, I bought a copy of Fuld's life, which is also the highest concrete accident of 2 million; I think, in this case, even if I was really absent because of a big accident that day, the compensation from these two accident insurances should be enough for my wife to raise her son and economically ensure his carefree growth;

Later, I bought the fifth, sixth, seventh and eighth volumes ... but the core and order of purchase, my insurance is based on accidents, serious illness and medical care, taking into account a certain share of value protection; The wife's serious illness medical treatment comes first, and the value guarantee comes later;

The medical security of the son, parents and in-laws is the first, and the accident is behind; I think a family like ours should attach importance to the sense of security and must have enough sense of security! That is, accidents and medical insurance should be sufficient, because these are the bottom line and dignity of our family;

As for social value protection, adequate pension, debt avoidance and wealth inheritance in financial management, my wife and I still have a long way to go. And in the future, these can also be considered according to the family's economic situation and age changes.

To buy insurance, we must divide the time period of life, prioritize, plan dynamically and slowly according to our family status and economic situation. ...

In my opinion, the more money you have, the more insurance you need-of course, what I mean is limited to: accident insurance and medical insurance (including critical illness insurance), additional critical illness insurance with long-term insurance and life insurance; If the economy is tight, buy one-year short-term consumer accident insurance, medical insurance and critical illness insurance as a stopgap measure. In fact, it can be solved by getting together less and buying less valuables.

For an insecure person, these guarantees are the premise for me to sleep peacefully-

If something really happens one day, I want to leave this world, and I hope to leave my wife and children a rich sum of money through insurance, so that they can live a carefree life. I hope I can meet them calmly in the next reincarnation, and we are still relatives;

If one day, there is really a big disease coming, I hope my family can treat it without psychological burden, use the best imported medicine, and have no worries and psychological burden, so the combination of physiology and psychology may increase indefinitely;

If one day, misfortune really comes, we can at least keep our last dignity without begging for help from others. ...

That's all.

(For pension and financial insurance, it is still far from me; Personally, I think these types of insurance belong to the rich (at least10 million or more). One is a wealth management tool, which effectively locks in wealth and avoids enterprise bankruptcy or economic disputes. One is for the effective inheritance of wealth, because life insurance has the functions of avoiding debts, avoiding taxes and designating beneficiaries; )

With the advent of the era of big data, there will be personalized, customized and dynamic scenes in future insurance.

In other words, your values, your personality characteristics, your living habits, your family inheritance, your existing living standard and income level will all become the basis and source of your insurance premium and insurance protection; For example, a cheerful and sharing person will be different from a depressed, lonely and closed person; A person who advocates health and fitness and keeps practicing will be different from a person who overeats without leaving his hand. A person with better living habits and more self-discipline will be different from a person with irregular and unrestrained life; For those who love life and are full of sunshine and positive energy, the premium will be gradually lowered, and the premium will be gradually raised, just like the critical illness insurance and medical insurance I bought in micro medical insurance a few days ago. By walking effectively every day, when they reach more than 8,000 steps, the premium will increase synchronously and be returned synchronously (returning 1 yuan in cash to WeChat every day) ... and this is just the beginning.

Because this is the inevitable trend of social development, perhaps when Zhu Jianxing's children grow up, insurance will be more detailed and personalized, and it will be closer to their personal survival and life needs, making it a real life reality of illness, disability, death, old age and education. People in China will no longer need to live so hard and tired, they can face life calmly and enjoy it.

May you and I live in a deep sense of security.

Because, with a sense of security, there is a stable happiness.

Fodu Haisheng 2065438+June 08 1 1