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能买得起储蓄型保险的人或者家庭,应该是有一定经济实力的,因为本身买保险就只花年收入的10%至15%,其他更多的钱被用做了其他投资。这就说明保险的主要作用不是收益,而只能是保障,在获得保障的同时您完全有可能损失部分收益,这是完全可能的,如买了大病保险却一生没有理赔的人。也就是人们常说的你亏了,从经济上看就是亏了,但问题是如果你能百分百确认你以后肯定用不着保险的话,当然就不买了,但你无法确认。
A person or family who can afford a savings-type insurance should be financially viable, for insurance alone costs only 10% to 15% of his annual income, and other, more money is spent on other investments. This shows that the main role of insurance is not income, but only security, you are guaranteed at the same time you are entirely possible to lose some of the proceeds, it is entirely possible, such as buy a serious illness insurance life has no claims. That is, people often say that you lose, economically, it is a loss, but the problem is that if you can absolutely confirm that you certainly do not need insurance, then you certainly do not buy it, but you can not confirm it.