李嘉誠:生意人需要保險的原因是,今天的錢不一定能留到明天!
![](https://www.102like.com/manage/0/product/22699/22699_1.jpg)
香港巨富李嘉誠說:「別人都說我很富有,擁有很多財富。
其實真正屬於我個人的財富是給自己和親人買了足夠的保險。」
李嘉誠還說過:」我們李家每出生一個孩子,我就會給他購買一億元的人壽保險。
這樣確保我們李家世世代代,從出生開始就是億萬富翁。」
許多人不解,為什麼象李嘉誠那樣的有錢人也要買保險呢?
難道他的財富還不足以抵御風險? 買保險,當然為的是保障,如養老、醫療和意外傷害。
![](https://www.102like.com/manage/0/product/22699/22699_2.jpg)
![](data:image/jpeg;base64,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)
然而,不同收入的人群,側重的目的不同。
低收入人群買的是保障,中等收入為的是理財,高收入人群更多的為了保全資產。
其實,富人有N多的理由買保險 #實力體現 #生意所需 巨額保單,
常常除了出於保障之個人的目的,還有其他如生意上的需要。
有家年營業額高達9個多億的企業,一位海外新客戶提出要資信證明。
這位客戶說,老板個人的人壽保單就是一種資信,
但通常的門檻是「1000萬美元的保額,每年保費要20萬美元以上」。
![](https://www.102like.com/manage/0/product/22699/22699_4.jpg)
為滿足客戶的要求,老板投了百萬級的保單。 大額保單是尊嚴,地位和財富的象征。
專業人士介紹,保險公司對保費高達20萬以上的大額保單,審查非常嚴格,
除了擔心騙保的顧慮之外,通常保險公司會要求客戶投保要力所能及。
如果你手持的巨額保單來自一家負責任的保險公司,無疑就是一張值得信賴的名片,象征著身價和身份。
#生意場如同戰場,#風險極高 「人在商海走,哪能不濕鞋。
![](https://www.102like.com/manage/0/product/22699/22699_5.jpg)
企業經營得再成功,也怕有風有雨。」
一旦有個閃失有可能就是傾家蕩產,老婆孩子還有老人的生活怎麼辦,即使一帆風順成為一代天驕,
你的資產如何保全和傳承,所以企業家如果沒有保險傍身會很危險。
#存錢不如存保障 有些女士愛存『私房錢』,但這些錢在法律上是不成立的,它是夫妻的共同財產。
當他一旦有債務而被追償的時候,這些錢仍將被拿走,並不能起到為家庭保全財產的作用。
如果你用這些錢去買保險,即使你家的房產、汽車都被追償,這張保單仍是可以保留的。
![](https://www.102like.com/manage/0/product/22699/22699_6.jpg)
因為法律上規定,保險單是以人的生命、器官和壽命為代價換來的將來收益的期權,不作為追償對象。」
很多富太太也是基於這個原因購買大額保險的。
#吸取文化 #鍛煉下一代 現代企業家越來越有風險規避意識。
以上兩種另類理由,說到底都與風險意識有關,涉及的都是直接的經濟利益。
但是,還有為了學習管理,或者培養下一代而與保險結緣的。
有家大企業家的老板因為買了保險,認識到了保險公司的競爭環境激烈,對女兒的鍛煉成長大有裨益。
而且,他非常欣賞該公司的文化和管理機制,他要求女兒融入到群體當中,吃透公司的管理方法。
![](https://www.102like.com/manage/0/product/22699/22699_7.jpg)
還有家小企業主,通過日常的接觸,暗中學習了保險公司的激勵機制,
應用於自己的企業,結果不僅留住熟練員工,還吸引了周邊企業的技術員工,
在「招工大戰」中輕松獲勝,企業規模順勢擴大,搭上了知名品牌的外包大船。
![](https://www.102like.com/manage/0/product/22699/22699_8.)
|