男人总说女人太花钱,你给自己买份保险试试?

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“购买和购买”和“爱钱”似乎是女性的“标签”。那么,谁也希望女性想让自己看起来很好,并且善于照顾他们呢?但是,男人,不花钱,一朵花也可以“大手”,例如购买保险。

好吧,这个“大手”的价值必须花掉,虽然钱多了,但有保险的男人更爱家庭,有老,下,挣外面,有保险“身体”,这是真正的“温暖的人”标志。咳嗽,跑掉这个话题。

今天,宝洁居然想谈谈为什么男人买保险这么贵?

社交男性压力高于女性

在社会上,男人的压力不小,抚养一个家庭,买车买房子,熬夜加班,并始终警惕银行的常规“炸弹”。压力很大吗?大

各种亚健康症状,各种多种疾病随着年龄的增长,像自己的啤酒肚,越来越突出,患病的风险也很高。

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图像来源:摄影网络

男性严重疾病的发病率高于女性

根据中国保险监督管理委员会2013年发布的《中国人身保险业重大疾病经验发生率表(2006-2010)》,男性患重病的比例为男性73.87%,女性68.79%。

发病率略高于女性,男性患者的治愈率也有些令人悲伤。根据世界卫生组织的一项调查,男性的平均治愈率为60%,女性为76%。

男性的预期寿命低于女性

2016年底发布的第三套人寿保险生命表更新了中国男女的平均预期寿命:

男女的预期寿命分别为79.5岁和84.6岁。虽然总体平均年龄有所增加,但男性的平均预期寿命仍然低于女性。

Men are more important to family income

In the distribution of family economic sources, although women's contribution to household income is gradually increasing, on the whole, men in most families still occupy the dominant position of family income.

Especially in some low-income families, male members are even the only source of income. In the event of an accident, the impact is almost catastrophic.

Regardless of morbidity or life expectancy, men are more likely to have a risk than women, and men are more important in the family economy than women, indicating that men have a greater impact on risk.

The pricing of premiums is linked to risk. The higher the risk, the higher the premium naturally. Under such circumstances, it is natural for men to insure premiums higher than women.

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Image source: Photographic network

Is the male premium high and the need to buy insurance?

must! As the pillars of the family and the main source of income, their health and disasters directly affect the stability and happiness of the whole family. Once the "pillars" collapse, the whole family is basically equivalent to falling into the abyss, the living standards of the future family, parental pension, Children's education, etc. will all have a serious impact.

Therefore, in order to be able to plan ahead, leave enough living expenses for the family to ensure the quality of life, as the head of the family, not only must strive to make money, but also learn to manage money and take insurance as “just in case” to protect family life. An important tool for insurance to continue to care for the family.

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What should men pay attention to when buying insurance?

1. Accident insurance and health insurance should be placed first. Buying insurance should be more important to determine what insurance products to buy. The risks in life are mainly accidents, diseases and pensions. The most difficult to predict and control are accidents and diseases. Therefore, we must first consider the types of insurance that can protect these two aspects.

xx2,年纪越大买重疾险就越贵,且年纪大健康告知也不容易通过;

3,职业风险越高买意外险越贵,建议买保险时,仔细查看保险条款。

最后,保姐想说,男性保费贵,是一个现状,更是一个趋势,风险越大,越需要保险“保驾护航”,男人,该省得钱,要省,但是该花的钱,也必须要花,买保险,要趁早。别等到连发际线都看不到了,再买都晚了。

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