Rich man walking

"Be together, together, together!" the big guy shouted together.

Chen Xiaomin looked at the squad leader who was kneeling in front of her, feeling a little at a loss, "Squad leader, I'm already married! I didn't lie to you, it's true, everyone in the circle knows."

The squad leader knelt and froze, "No, you said that you weren't married that day, why did you suddenly get married! You did it to lie to me, right!" The squad leader couldn't bear it.

"I didn't get married that day, but I got the certificate the next day. You didn't ask me when I got married. I wanted to tell you, but you just hung up the phone. Let me say." Chen Xiaomin looked at He said with a dumbfounded expression.

"The squad leader is fine, there are better ones." Zhu Luyao said to the squad leader.

"It's okay, I want to try it too, I wish you happiness, Xiaomin, can you give me a hug?" said the monitor.

Chen Xiaomin hesitated for a while, and hugged the monitor for a while, and then went to chat with the female classmates.

Chen Hao sat outside, helping to serve food and handing things the other time. He was very busy. Meng Jialiang next to him watched and he helped take them together.

"Chen Hao, you are in a real estate company. I can buy a house cheaper then," Meng Jialiang said.

"No problem, I will count Chengdu for you. How big did you buy?" Chen Hao said.

"About one hundred and four, do you have one?" Meng Jialiang said.

"One hundred and six, but the deduction of the public stall is actually no more than one hundred and four squares." Chen Hao thought for a while and said.

"Okay, I'll look for you when the door opens. I must get me a good apartment. I have recently made money, but I have to buy a house and get married." Meng Jialiang said.

"What are you doing? You made a lot of money. You didn't buy a house. You just said you are going to get married." Chen Hao asked.

"Oh, my girlfriend's house is quite rich, I bought it for us, but I don't think so, I still want to buy a house of my own. Living in their house, isn't it just a son-in-law coming!" Meng Jialiang said.

"What are you doing? It's very profitable." Chen Hao asked.

"I'm selling insurance. Have you bought insurance? Selling insurance is no worse than selling your house. I made more than 300,000 yuan last year. It's okay to pay a down payment." Meng Jialiang said.

"By the way, I just happened to have a question to ask you, related to insurance." Chen Hao said, thinking of something.

"You said, I basically know it. It's related to insurance." Meng Jialiang saw that Chen Hao had intentions.

"Why is the cash value in that policy used? And what does the surrender value mean?" Chen Hao asked.

"Cash value, is how much your policy was worth in that year. For example, an insurance you buy is 30,000 for a ten-year period. After you pay for the first year, your policy will have a certain value. Generally, what you see is 1.56, which means that every one thousand yuan of your premium can be worth 1.56 yuan. Just continue to pay the value of your policy. Generally speaking, a ten-year bill of 30,000 will reach you 30 years. From now on, it will be about the same as your insured amount." Meng Jialiang said.

"What is meant by my insurance coverage is almost the same, I don't understand." Chen Hao asked confused.

"There are three concepts in insurance that are related to money. First, the amount of insurance is how much you can lose if you buy yourself in case of risk. Take a car for example, the amount of insurance is 500,000, which means that after you have an accident, The insurance company will pay you up to 500,000 yuan. The second is the premium, which is how much you spend to buy yourself this insured amount, which is the money you spend. The third is the cash value, which is how much your policy is worth every year Money, for example, if you pay 30,000 for ten years, the insured amount is 2 million, and by the tenth year, you will have 300,000. If you save for another 30 years, your policy value will be more than 1.9 million. If you pass away, or if you want to use it, you go to the insurance company to clear the account, and the money is yours." Meng Jialiang said.

Chen Hao nodded and got a little idea, and then asked, "What about policy borrowing? I heard people say that policy borrowing is possible."

"Yes, generally after you pay the premium for two years, the insurance company will give you a policy loan for your policy. He calculates it for you based on the cash value. The interest rate is quite low, and many of my customers will use it." Meng Jialiang Said."Nowadays, many people buy insurance. It is not only a guarantee, but also a kind of financial management. You see first. If you buy insurance, you can make money. Just like I said, you buy 30,000 insurance. For the age of 70, you can get two million less than one point, two hundred minus thirty, is one hundred and seven, and then divided by thirty, the annual income is more than 50,000, how much is the annualized income? Eighteenth, that bank, financial management dare to give you such a high annualized return."

Chen Hao calculated in his heart, yes, he couldn't get it, no, he could still use it as long as he lived a long time.

"Secondly, you can still borrow the policy loan, repay as you go, and there is no need to issue a certificate, because your policy is valuable and can cope with temporary difficulties. Unlike deposits, you will cut off your interest when you use it. "Meng Jialiang said, taking another bite of the dish."Third, if you have an accident, there is still a large premium to accompany your family and make their lives worry-free. So many people are buying insurance."

After hearing this, Chen Hao felt that it was indeed necessary to buy insurance. "But I have already bought medical insurance. What's the point of buying this."

"Medical insurance is a good thing, but there are many things in medical insurance that cannot be reimbursed, and medical insurance is just a bottom line, allowing you to see ordinary diseases. You think that when there was no medical insurance before, you would pay for serious and minor illnesses by yourself. You have no money, but if you have medical insurance, you can save money for minor illnesses, but you can’t save money for serious illnesses.” Meng Jialiang took the dishes brought by the waiter and put it on the table, “and insurance his industry Do you know what the classification is?"

"I don't know, medical class?" Chen Hao asked confused.

"It's finance. It's a financial product. It's an older financial product than financial management or securities. Sometimes I don't understand why I would rather buy securities and financial management than insurance? The annualized return is higher than them. , The risk is lower than them, and many people are unwilling to buy it!" Meng Jialiang said with a drumstick in his mouth.

"Because there are so many scammers, are there few things that can't be compensated by buying insurance? My mother bought insurance and broke her leg, but I didn't have to pay." said a male student next to her.

"What kind of insurance does your mother buy? Illness, health, retirement, or financial management?" Meng Jialiang asked him.

"There are so many different ones, I don't know which one my mom bought?" said the male student.

"You don't even know any insurance, so you dare to buy it. You're so awesome," Meng Jialiang said.

"Classmates, Teacher Zhu is going to pick up the granddaughter, and we have to leave first. Let's toast him and send him off." The monitor said with a toast.

The big guys toast together, toast to Teacher Zhu, and send him away.