The secret of a happy old age is to love yourself early.

When you are old, gray-haired and unable to walk, how can you spend your old age safely? How to soothe your old soul? How to finish the last journey?

Kant said: "Be as happy as young people when you are old!" ! Youth is like a lark, with its morning song; Old age, like a nightingale, should have his serenade. "

However, in reality, there are too many old people who are helpless and the evening scenery is bleak. Most elderly people who expect their children to provide for their old age are unable to enjoy their old age, or even forced to suffer both material and spiritual torture, because their children have their own pressures and difficulties, and they can't always think about the elderly in terms of mortgage, car loan, education, children, high prices and work.

Therefore, the old man who personally experienced the bleak evening scene lamented: "When people are old, money is too important. Without money, they can hardly guarantee health, let alone anything else. "

Nowadays, with the general extension of people's life span, it has become an indispensable life goal for people to live decently and excellently in the age of longevity.

According to the statistical bulletin issued by the National Health Planning Commission, the average life expectancy of China residents in 20 19 reached 77.3 years, 0.96 years higher than that in 20 15 years, and the main health indicators were in the forefront of middle-and high-income countries. Among them, the development and improvement of the medical system is an important factor to improve the average life expectancy.

At present, China has achieved basic medical insurance coverage of more than 654.38+300 million people, but this is only the basic guarantee. If you want to live a decent life and enjoy a superior old age, you have to plan ahead and plan ahead.

Because, whether you buy insurance or not, you are actually insured. The difference is, do you insure yourself or an insurance company?

If you pay for insurance yourself, you have to spend100000,1000000, or even100000, to cope with old-age care, accidents and diseases. If you insure with an insurance company, the money will be paid by the insurance company.

So what do you usually need to plan in advance in terms of old-age care?

In family pension planning, two types of five financial instruments are generally used. The first category is social security, enterprise annuity and other basic pension tools; The second category is pension insurance, pension trust, pension community and other commercial pension tools. These five pension tools are all related to insurance products.

It is worth noting that life insurance is also an important tool for pension planning. Plan ahead and buy life insurance, not because something will happen, but because there are still people to live, to live and to earn money.

Although insurance can't replace a person's husband or father, it can replace his income. When you refuse life insurance, it is not the insurance company or insurance salesman who is injured, but you, your other half and your children.

It's no big deal to add icing on the cake Giving charcoal in the snow is valuable. Insurance money is a timely help. This is especially true for life insurance. When you and your family feel the need, you will be happy and regret, happy to buy, regret to buy less.

A good insurance plan can ensure that a person's family life will not be greatly affected in the event of misfortune or accident, which is the security function of insurance.

Peter drucker, a management guru, once said, "One of the crises in the future world is the crisis of old age". The pension is not enough, so I can only be forced to drag my old, weak and sick body to continue working. Under the pressure of aging population, high medical care and few children, you must provide for the aged early.

Because, if you don't prepare a pension now, you won't be able to retire in the future, and you may be busy working all your life. Have you ever thought of such a day? Therefore, the earlier you prepare for retirement, the lower the pressure, and the later you prepare, the greater the pressure and the more dangerous it is.

Also, if you wait until you get old, the premium will be very high at that time. Insure yourself while you are young and force yourself to save, which can not only urge you to save, but also harvest happiness and dignity in your later years. Why not?

Eat a few big meals a year, buy a few bags and wear less clothes, and you can get the enjoyment of your old age. In just a few decades, you can save a little every year, and you can still enjoy the benefits of full-cycle recycling when you are old.

In life, many rich people regard insurance as a tax haven. For example, they allocate life insurance, mostly because life insurance policies can realize the functions of tax avoidance and debt avoidance in the process of wealth inheritance, so that insurance claims can be smoothly passed on to the next generation.

No wonder three former American presidents-Eisenhower, Roosevelt and Johnson all praised insurance in public.

Eisenhower said: "One of the most obvious evidences of our people's belief in the free world and the future country is that tens of millions of people have life insurance."

Roosevelt said: "A responsible person's true love for his parents, wife and children lies in his complete preparation for this warm and happy family. Maintaining appropriate life insurance is the moral responsibility and obligation of the people. "

Johnson said, "I can't think of a better way than to buy insurance for someone who is willing to help himself!" " "

Former British Prime Minister Churchill also said: "If I can do it, I will definitely write the word" insurance "on the door of every household. I believe that through insurance, every family can avoid eternal disaster at a small price! "

Li Ka-shing, the richest man in China and Hongkong, said, "People say that I have a lot of money. In fact, the wealth that really belongs to me is to buy enough life insurance for myself and my loved ones! "

Chow Yun Fat, a movie star, said, "I believe insurance can help me!"

Writer Yu said: "If the financial and insurance personnel do a good job, it is equivalent to making great contributions to the promotion of Chinese civilization!"

In short, the safety net of life and property insurance will help the rich become richer and the poor become richer. The function of insurance is not only protection, but also saving, financial management and inheritance. The longer the time, the higher the insured amount and the better the income.