The phrase "I don't like insurance" has almost become a subconscious reflex action for many people.
But have you ever thought about whether what you really hate is the insurance tool itself, or the "risk" behind it that makes you anxious and uneasy, this damn thing?
No one is born to like risk, but risk is a fact that you and I cannot avoid at all!
Whether it is a sudden illness, an accident, a disruption in family income, or even a tragedy happening to a family member, these are the most powerless situations in life.
However, these risks that you hate usually come without warning and sneak up on you at any time.
So when you say you don't like insurance, perhaps it would be more accurate to say that you don't want to face these terrible risks.
But the problem is that risks will not disappear automatically just because you don’t talk about them or think about them.
When risks come, how do you want to deal with them?
At this time, you only have two choices: take the risk yourself or choose to transfer the risk.
Taking risks, in plain words, means "taking all the consequences yourself, spending your own money, using your own time, and bearing your own pain."
To transfer risks is to use a system or a tool to stand up for you and bear the costs for you at the critical moment.
And this tool is what you call the annoying "insurance"!
So in the final analysis, insurance is not the source of risk, but one of the most practical solutions when you face risk.
There are three main aspects of risk. Which one should you take care of first?
The risks we encounter in life can be roughly divided into three categories:
1. Human risks
Illness, injury, disability, or even death
2. Risk of money
Interruption of income, huge medical expenses, and long-term care costs
3. Physical risks
Car accident, house burnt, property damage, etc.
Let’s think about it, you who hate insurance so much. How would you prioritize these three risks?
I think most normal people would come to the same answer: "People > Money > Things"
The main reason is that if a person is gone, no matter how much money and things you have, they are completely meaningless.
On the contrary, if the person is still there and the ability is still there, there is still a chance to make money, repair things, and start over.
So which risk should we deal with first?
If you also agree that "people are the most important", then when we transfer risks, the first thing we should do is to deal with "human risks".
That is the core essence of insurance: protecting people themselves.
Whether it’s health, disability, medical treatment, or life or death, these are risk controls that you cannot predict but can prepare for in advance.
The function of insurance is not to make you "spend money"; rather, it allows you to use a small amount of money to pave a way out for unpredictable risks in the future.
In fact, you don’t hate insurance, you just have never thought about the nature of risk!
So, I ask again: "Is it insurance that you really hate? Or do you just not want to face the risk!?"
But when the risk really comes quietly, what will you choose?
Should I bear the risk alone or transfer it?
Insurance is not a sales pitch or "scare marketing".
But it is a kind of wisdom that allows you to prepare for a rainy day and a way of risk management.
Maybe you don’t need to buy insurance right away, but you definitely need to think carefully about the issue of risk awareness.
I myself hate talking about "life insurance". After all, no one wants to be looked down upon by others for no apparent reason after starting out with good intentions.
Personally, I prefer the Taoist philosophy: help others, just feel free to do it!
After all, not everyone deserves to be helped.
So the insurance that I like to talk about the most is insurance for "money", which is about how to protect the money you earn, how to help you use tools to maximize your assets, realize your retirement life earlier, and make your anxious heart feel relieved and at ease.
After all, no one hates the way money gets more, and if money can really grow enough, it is already a workaround for personal insurance.
So when I explain the use of various tools through many different professions, I will definitely ask first: "How much assets can you currently put out?"
Then they will assess your cognitive ability to transfer risks, and talk in detail about your work situation, various sources of income and investment. They will conduct an in-depth analysis to see through your wealth, so directly and nakedly.
After the evaluation, if I can really help with the adjustments, I will then help plan a series of steps on how to use different tools for the migration configuration.
After all, what I have learned is quite diverse, and it is often not possible to achieve the optimal solution for every case with just one tool.
Unless you just want the most brutal, straightforward approach, but that's also a pretty good way for me to save a lot of time.
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