Life insurance is no longer a strange concept today, but there are still many misconceptions about life insurance that lead people to lose the chance of being protected from one of the financial solutions. most effective now.
Ms. Nguyen Thanh Nhan (Van Lam - Hung Yen), 33 years old is a civil servant, recently found colleagues with the agency buy a lot of family insurance package can protect the entire family, she also Want to refer to to join, bring this about the table with her husband, she immediately dismissed and said that money should save for safety, not buy life insurance other than multi-level business, socks Still not fooled. And her mother-in-law said that the couple working for the state have paid social insurance so there is no need to buy more, if there is a redundant, it is better to buy gold.
Not only Nhan's family is worried, there are many people who are misunderstanding about life insurance so they lose the chance to be protected by one of the most comprehensive and effective financial solutions. , here are some common misconceptions:
1. Life insurance is the same as multi-level business
Looking outside, the sale of insurance through agents and consultants so many people mistakenly like the multi-level business model. In fact, the nature of the two types is quite different, and participation in multi-level does not help you and your family to be protected from possible risks in life but life insurance Yes. On the other hand, detailed information on products, benefits, contracts, premiums etc. are published clearly, transparently and publicly and the insurance business is strictly regulated and protected. By law and state, in order to ensure the maximum benefit for the insured, every year life insurers must pay up to 0.3% of their insurance premiums. The insured person in case the insurance enterprise fails or becomes insolvent.
Currently, if you do not want to buy through a counselor or agent, you can buy life insurance at banks. Bank bancassurance is widely distributed in many developed countries. In Vietnam, Bancassurance is also deployed by a range of insurers to provide the most favorable access to insurance products.
2. Only rich people can afford life insurance
In fact, life insurance now has many packages designed to suit the financial capacity of people, people can choose flexible monthly, quarterly or yearly premiums. years or may also increase the closing fee. Just about every month, about 150 thousand people have the opportunity to take part in life insurance. In addition, the purchase of life insurance is also necessary to help us to practice financial savings discipline.
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3. Healthy children do not need to buy life insurance
Coverage is a farce. With the long-term effects that insurance can bring to the user, even if no one is dependent on finance, you should also buy life insurance. "Do not let drowning buy floats," the best way to prevent risk and comfort in the old age is to prepare for solutions from a young age. The best time to buy life insurance is when you're young and healthy. If you are waiting, your health problems may prevent you from qualifying for the insurance plan. In addition, even if your health is in good condition, premiums are always based on age, so do not be surprised if you only pay for a one-year delay and you pay a higher fee.
4. It is enough to pay social insurance premiums
Social insurance is compulsory in most organizations and companies. However, for a more comprehensive protection, as well as making use of a safe, effective investment channel, life insurance is a very necessary choice.
According to Ngo Trung Dung, deputy general secretary of Vietnam Insurance Association, Vietnamese people still tend to choose practical products and products with high security.
In that, with the mixed product group, besides the protection factor, it also has the saving factor. When the risk, death or expiration of the insurance period occurs, the insured person will receive the insurance benefit. In addition, the saving factor is that the insured receives a profit from the insurer's investment.
In addition, for investment linked products, besides the protection factor, the life insurance company will use the insurance money for investment, monthly (quarter) will announce the first interest rate The insured person has the right to choose the amount of investment.
The third product that many customers choose is the death insurance product, the reason is because this is the product Moisture is purely protective and has the lowest closing charge. The insurance benefit is when the insured dies during the insurance period, the insured person will receive the full amount of insurance.
In addition to these three products, there are quite a few products on the market, such as health care insurance, health insurance, and critical illness insurance. These products, however, are called complementary products, but the sales are almost identical to the main products mentioned above.
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