MUA BẢO HIỂM ĐỂ MONG TIỀN LỜI LÀ SAI LẦM?

Mua bảo hiểm là để đề phòng rủi ro, nên nếu ai coi đây như một kênh đầu tư sinh lời thì đã sai ngay từ đầu. Nhưng ở một khía cạnh khác, khi quyết định tham gia một hợp đồng bảo hiểm, bạn luôn là người LỜI. Sau đây là ý kiến của các độc giả trên các diễn đàn về chủ đề này :

Bảo hiểm nhân thọ là mua để bảo vệ khi bị rủi do chứ không phải kênh để đầu tư. Mỗi người nên suy nghĩ và tìm hiểu cho kỹ trước khi đặt bút ký hợp đồng, tránh hiểu lầm và đổ tội cho bảo hiểm lừa đảo. Bảo hiểm chỉ có tác dụng khi bạn nghèo, tương lai bấp bênh. Ví dụ, bạn chưa có nhà, tích lũy ít, nếu rủi ro xảy ra gia đình, con cái bạn sẽ đối diện vô vàn khó khăn. Khi đó khoản bồi thường là một cách giúp họ ổn định cuộc sống, trụ được thêm 5-10 năm cho đến khi trưởng thành và thích nghi được bối cảnh cuộc sống mới. Còn nếu bạn đã giàu có, tích lũy đủ nhiều để bảo đảm tương lai gia đình con cái đều ổn dù có chuyện gì xảy ra thì bỏ tiền vào bảo hiểm là khoản đầu tư ngu ngốc nhất.

Peter Hoang

BẢO HIỂM NHÂN THỌ LÀ GÌ

Mua bảo hiểm nhân thọ là để phòng rủi ro, chứ nếu coi là kênh đầu tư thì nhiều kênh khác tốt hơn nhiều. Bảo hiểm nhân thọ chỉ phát huy tác dụng khi khách hàng mới đóng vài kỳ phí nhưng rủi ro thì được đền bù số tiền vài trăm triệu, có khi lên tới vài tỷ đồng. Cái lợi tới mấy trăm % này thì bên nào trả được? Do vậy, nếu cuộc đời bình an, lấy nguyên số tiền đóng về tôi đã thấy là may mắn rồi. Nếu biết trước được rủi ro và được chọn lựa thì không ai mua bảo hiểm nhân thọ. Tuy nhiên, do không biết được nên bảo hiểm nhân thọ mới phát triển như hiện nay. Càng các nước phát triển, tỷ lệ người dân tham gia bảo hiểm càng cao.

Phạm Thủy

Bảo hiểm nhân thọ là kênh đầu tư phòng tránh rủi ro cho bản thân và gia đình khi lâm nạn. Nếu bạn nghĩ mua bảo hiểm nhân thọ có lãi suất cao là sai lầm. Muốn lãi suất cao thì đầu tư vào kinh doanh, sản xuất hay dịch vụ, thương mại…

Thanhxv

Tôi nghĩ đơn giản thế này, mua bảo hiểm để đề phòng bất trắc, dành cho những ai có dư tiền về cuối tháng. Còn nếu nghe nhân viên tư vấn mua để thu lợi nhuận thì không nên. Họ kinh doanh tiền của mình mà.

Hung Hoang

BẢO HIỂM NHÂN THỌ CHO NGƯỜI TRỤ CỘT GIA ĐÌNH

Tôi cũng là một khách hàng tham gia bảo hiểm nhân thọ, hầu như mọi người trong gia đình đều được bảo hiểm. Đây là một cách để bảo vệ những người thân yêu của mình có khi có rủi ro xảy ra. Nó không phải là một kênh đầu tư nên những ai nghĩ nó là một giải pháp đầu tư ngay từ lúc tham gia là một sai lầm. Tôi nghĩ đơn giản: những tài sản nhỏ như một chiếc xe máy mà mình còn bỏ tiền ra để mua bảo hiểm (có thể mọi người đang mua với tâm thế đối phó hơn là bảo vệ tài sản vì mọi người thấy thủ tục quá rườm rà nên không quan tâm), nhưng nếu mọi người có tài sản lớn hơn như ôtô thì lúc này mọi người chắc chắn sẽ phải đầu tư bảo hiểm, không phải vì đối phó mà vì mục đích tự bảo vệ. Tài sản càng lớn, mọi người càng đầu tư bảo hiểm cho nó.

Vậy sinh mệnh của mình và những người thân trong gia đình mình không lẽ không bằng những món tài sản kia? Tài sản mất đi có thể kiếm lại được nhưng sinh mệnh một người bị rủi ro bệnh tật hay xấu nhất là mất đi thì để lại cả những nỗi đau về tinh thần và nỗi lo về vật chất. Hơn nữa, bảo hiểm cũng không khuyên bạn phải đầu tư phần lớn số tiền bạn có để mua bảo hiểm. Bạn chỉ nên đầu tư một phần thu nhập (10-20%) hay (30%) số tiền bạn có thể dư ra hàng tháng để bảo vệ cho bạn và gia đình tùy theo khả năng của bạn. Không ai ép buộc bạn phải đầu tư tất cả những gì bạn có để rồi cảm thấy gần mất trắng khi đáo hạn, do bạn chưa cảm nhận được giá trị thật sự mà bảo hiểm mang lại và bạn cũng chưa nắm rõ được thời điểm nào là nên đáo hạn.

An An

Bảo hiểm nhân thọ là kênh đầu tư rủi ro chứ không phải đầu tư tài chính. Chẳng ai tham gia bảo hiểm nhân thọ để mong thu về nhiều tiền hơn gửi ngân hàng cả.

Nguyen Quoc Vuong

Mua bảo hiểm nhân thọ là để phòng rủi ro bất trắc. Bạn nào nghĩ mua đầu tư là sai ngay từ đầu. Cả nhà tôi đều có bảo hiểm, bạn bè tôi nhiều người cũng mua, đúc kết lại là: Nếu bình an cho đến hết hợp đồng và nhận lại tiền thì so với đầu tư việc khác hay gửi ngân hàng thì không bằng. Nếu bạn gặp bất trắc thì bảo hiểm là cứu cánh. Tôi có một chị bạn mua bảo hiểm cho con gái đóng với lộ trình 15 năm. Đóng được khoản 2 năm thì bé phát hiện khối u não. Thế là bạn tôi không phải đóng tiếp 13 năm còn lại mà được lãnh 95% số tiền cuối hợp đồng để lo chữa trị cho bé.

Tran Minh Hien

Theo Vnexpress.net

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  85. BarGal says:

    Конференция Бундеслиги для ARD – это классическое объяснение футбольных событий на радио. В новом сезоне он впервые будет выходить в эфир в течение 90 минут, об этом сообщает ресурс Netgate. Это отрывок молодежного продвижения телерадиовещательной сети.

    Каждую субботу в среднем 7,4 миллиона прислуга слушают Бундеслигу для радиостанциях ARD, и в будущем сезоне в связи с новыми правами для аудиоматериалы это сходство значительно возрастет. “Мы совершенствуем сервис и готовы считать полные отчеты обо всех матчах 1-й и 2-й Бундеслиги”, – сказал Маркус Теппер в интервью Deutsche Presse-Agentur. Спортивный координатор радио ARD также обнародовал 90-минутную конференцию по субботам во другой половине дня.

    Всетаки этот масштабный футбольный часть довольно бряцать не для классическом FM-радио, а в эфире различных онлайн-сервисов, таких подобно фирменные приложения и веб-сайты станций. “Мета заключается в том, для нас было свободно встречать и свободно извлекать”, – объявил Теппер.
    Почему беспричинно поступает общественный вещатель? “АРД стремится к расширению своего цифрового портфеля, – пояснил Теппер. “Это инвестиции в будущее”. И: “Мы хотим привлечь новых участников и слушателей с через нового совет”.

    Больше онлайн – для молодой аудитории

    Эта политика также включает в себя права на видеоклипы по утрам в день, которые также были приобретены недавно и которые председатель ARD Том Бухроу назвал “огромной возможностью”, когда приобретал лицензии прошлым летом. ARD хочет “упражняться больше онлайн чтобы более зеленый аудитории”, – сказал Бухров. Прежде конца текущего сезона ARD владеет только правами для аудиовещание своих радиостанций чтобы классического приема в FM-диапазоне. Всетаки в июне прошлого возраст вещательная козни также приобрела для аукционе права на аудиовещание в Интернете. “Мы недолго радовались, а после приступили к работе”, – сообщил Теппер.

    Сей пакет прав изменился вдруг никакой другой после последние годы. Затем старта в 2008 году на 90elf, аудиорепортажи прежде были доступны для сайте fun1.fm, а ныне прежде конца текущего сезона – для Amazon “Prime Music”. Футбольные репортажи ныне дозволительно прислушиваться бесплатно на сайте розничного гиганта, но они прерываются рекламой.

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