Each time I received a call from the insurance agent "this consultant," 9 out of 10 responded through loudspeaker and quickly shut down. Is it because you have no real need, or are you prejudiced about this useful service? Call the names of 11 insurance mistakes to choose wisely for the future of yourself and your family!
1. So much money, I would rather save more money
You need to understand that each activity has different purposes. The purpose of BHNT is to spend money for long-term protection against uncertainty. The purpose of depositing a bank is to make a profit. The amount of savings can help you surplus time. But when the risk occurs in 10, 20 years, that interest can not protect you perfectly like BHNT.
2. Risk must be taken when the life insurance company goes bankrupt
You probably do not know: statistics show that the bankruptcy probability of a bank is always higher than a BHNT company. Putting trust in reputable BHNT companies is safer than bank deposit. In case the insurance company is in trouble, the Ministry of Finance will have a plan to transfer the contract to another insurer to protect your interests.
3. Full "multi-level sale" insurance salesman disguised
At first glance, the sale of life insurance (BHNT) through agents make this activity bear the reputation of multi-level sales. This way of thinking is indeed "unfair" for BHNT companies, because the business of the agent must follow strict regulations of the Ministry of Finance. Agents are also hard to get through the eyes of the Law on Insurance Business, the Government's Decree and the MOF's circular.
4. The long term provisions in BHNT are to "distract" the majority
BHNT consultants have hundreds of difficulties - the short clause is too sketchy, too long to become "color", "fraud". In fact, the provisions of the contract must be complete and accurate, in order to protect the interests of the parties concerned. This minimizes the conflict of interest and subsequent litigation.
5. Life insurance is only for minimizing the risk of unforeseen events.
This is true but not enough. Although not "profitable parent" as business, BHNT also has the effect of SAVING and INVESTMENT. When you pay the company the amount of money in the period, in return you will receive a lot of benefits. BHNT is a form of savings before spending, helping you protect your finances, risking your child's future, setting up a retirement fund or simply investing safely.
6. In the family, only the breadwinner is enough
Of course not enough! The insurance meets a wide range of needs in life, from insurance for unforeseen risks, insurance for child education, health, or retirement. And, another point, you never know where the risk may come from, affecting anyone in your family. So, it will never be enough for a package, but the extent depends on your own needs and conditions.
In addition, BHNT is no longer a mere product, it provides a solution for family and diversified needs. Such as Accumulative Accumulation package, Nursing talent ... of life insurance MB Life
7. I'm too young for life insurance
When you join the BHNT, the health insurance premium is the cheaper, the more accumulated money later. The 25-year contract premium is significantly lower than at age 45.
8. I live alone and do not depend on anyone need insurance
Never, the purchase of BHNT with singles is very important. This is a way to help you save money on personal, financial independence when you retire, get medical care when you are sick or simply enjoy plenty of old age. BHNT is the "right hand" to single people to master life at all times.
9. I do the state, about the old had "state of affairs", insurance do?
Pensions made by the "state of care" can only guarantee you the minimum needs. Meanwhile, the saving value that BHNT bring is very large. This money just helps you to reduce dependence on children, as well as support you make many plans such as travel, charity. Especially, if you want to save a dowry for a girl, or leave an inheritance for your children, BHNT is definitely the most affordable!
10. Life insurance is only suitable for well-off families
The bigger your income, the more you need to grow. That is the reason why so many people feel that they are not spending enough money even though their income is constantly increasing. In terms of financial management, you should aim to prioritize your expenses and put life insurance in one of the "necessary" expenses to cover unexpected risks. With life insurance, you are buying a peace of mind to deal with unwanted things in life.
There are many different BHNT options that suit everyone's ability. There are many packages with low monthly premiums, such as packages
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