The origin of the star lotus world

Chapter 1116 Text
Text Chapter 66

Hu Yue asked whether the game activity of point quiz should continue?I said he doesn't need to worry, the player with only one point in the suitcase should admit it, he got three hundred points more, I looked at Huyue, and I spoke with a smile.

He said that he really didn’t have the least points this time. I said who knows, the guessing activity is still postponed. Anyway, I have a lot of points in my lucky suitcase. I don’t worry about paying the points. Let’s continue to enjoy the scenery, watch performances and eat palace banquets Listen to the story.

"I continued to talk about what happened the day before yesterday. My mother and I went to another building of the insurance company. This building was built later. It is tall and magnificent, with a large area. The insurance company looks very rich. The lobby on the first floor of the building is nice and fresh. The smell of medicine is very strong. Many female receptionists in uniform seem to have received flight attendant training, or retired and changed careers. They wear black and red uniform skirts. When I arrived at a floor, the receptionist gave my mother a number and asked for a female analyst. The teacher explained the insurance policy to my mother. My mother has a total of four insurances in this insurance company. She has paid for it for 20 years in a row. Four or five years ago, she has paid the full amount. , She had cancer more than ten years ago. She underwent early lesion resection surgery. She has already lost 70 yuan. After the compensation, the insurance policy will become invalid. The other insurance is paid every five years, tens of thousands of yuan each time, next year she can Get 4 yuan from that insurance policy, add 20 yuan after five years, and so on every five years. There is also an insurance policy that is 3 yuan for her 55th birthday, plus more than 5.00 value-added bonuses One is the main insurance, which is the welfare insurance for the elderly. When she turns 1000, she will receive 5000 living allowances every year, and then increase by 1000% every year, which is about 20 yuan. After that, she will increase little by little. She thought it was an insurance that increased in value by 5 a year, and had been working for more than 50 years, but she didn't know the specific benefits of some insurance policies. Now she understands that it is not an increase of 30 yuan a year, but an increase of more than 4000 yuan a year, which takes 3000 years In the future, it can be increased to receive a pension of 2 yuan per year. This kind of insurance, the longer the insured person lives, the more money he receives. My mother has made a lot of money by purchasing commissions for foreign merchants over the years, but She greedily bought a house in a small seaside city, with a house of more than 40 yuan, a loan of more than 3 yuan, which was paid off in ten years, and a monthly repayment of 56 yuan. This debt made her I am in a state of desperation and worry about repaying the money every month. This is quite a financial pressure. Mengsheng lives in a restaurant in Xiushui. I told you about the house. Up to now, she still has to pay more than 50 yuan for the house every month. , It was very hard to piece together. Because of the epidemic, foreign merchants ordered less than before, and some things were replaced by others, so they made much less money. My mother recently bought more than 3 nutritional products. On the one hand, she felt that the money was not enough Hua, on the one hand, spent a lot of money to buy a lot of nutritional products, and began to stock up. She felt that some products would not matter even if they expired in the future. She thought that she could achieve a high-end nutritional product business, but now she is only spending money and listening to lectures. The mortgage on that house is 1 to 10 a year, which is more than all the food and drink my mother and I have at home for a year. Because of that house, she cannot repay the more than 200 yuan she borrowed from the insurance company with the policy as collateral, and the interest on the policy loan It’s quite high, with an annual interest rate of 6%. With so many loans, she has to repay the insurance company’s high interest of nearly 20 yuan a year. She celebrates her birthday next month. A few days ago, the insurance company issued a The text message informs that when she receives the living allowance next month, if she does not repay the loan before, it will affect her receiving the living allowance. She was supposed to receive the living allowance last year, but the insurance date is only a few days before her birthday, so it will be postponed for a year ,That is to say, she can only receive money when she is 20 years old.My mother called a salesman in a city near Nancheng. The male salesman said that if she wanted to surrender the policy and get back the cash value of the policy at one time, she had to receive the life benefit before receiving the life benefit. Once the life benefit was received, the cash value of the policy would return to zero. , can no longer borrow money under this policy.My mother was very anxious because of this. She went to the insurance company building and said that she wanted to withdraw the policy. She didn't know before that the cash value of her 40-year-old policy was more than 2000. If she surrendered the policy, she could get a full refund.If the cash value is not refunded, the insurance company will pay her the cash value in more than ten years, and then pay her money every year in the future. The insurance company will pay for her pension. If the policy is surrendered, these benefits will be gone.My mother talked to a long-haired female analyst. She complained that the insurance company treated her badly. Twenty years ago, she paid more than 10 yuan in insurance every year. At that time, many ordinary people had a salary of 20.00 yuan a year. My 20-square-meter house cost only 51 yuan. An insurance salesman told her, who was in the clothing business at that time, that she could get a total income of 40 million yuan. Amount insured.The headquarters of the insurance company in the southern city specially approved this insurance policy. They had to go through an investigation, fearing that the amount would be large and that the insurance was fraudulent.At that time, my mother had a clothing store with sufficient cash flow for one year, and the insurance company recognized her financial strength. The male salesman was successfully promoted to the sales director because of this super big order.A few years later, my mother moved the insurance to a city next to Nancheng. She was downgraded from a silver card member to an ordinary member. In southern cities, she has to pay more than 3 yuan in insurance every year to be a VIP member. Since then, there has been no business manager in charge of her business.The additional medical insurance of the main insurance will automatically lapse after 51 years of insurance. If she gets sick later, the insurance company will no longer pay for it.My mother felt that she was cheated by the insurance company. It was not as good as what the male salesman said back then. The free medical examination was gone after she moved the policy, and she didn’t get high-quality services from the insurance company. Since she moved the insurance to the South She was very dissatisfied with the fact that she was asked to pay the money every year, and there was no salesman to take care of her.The long-haired female analyst said that they met for the first time. She didn’t know about the male salesman, and she couldn’t solve these things. She said that the times are different and the economy is different. It is rare to have this kind of insurance that benefits multiple times. She has been insured for many years, and it is rare to surrender the insurance that has paid for the full 50-year insurance period. Isn’t it good to get benefits every year?She persuaded my mother, she said that the average life expectancy of modern people is long, the longer they live, the more money they get, which is also of great benefit to the beneficiaries.The female analyst looked at the other two insurance policies, which were the text clauses of the electronic insurance policy in my mother’s mobile phone software, and one was the birthday bonus. This kind of insurance, she will definitely buy it, and she thinks it is too suitable. The other insurance has been paid out every five years and cannot be surrendered.The female analyst suggested not to withdraw the insurance. She felt that it was a pity. My mother said that she had no choice but the insurance company sent her a text message asking her to pay off the insurance loan of more than 20 yuan within ten days, or it would affect her future pension. She has several properties, but she doesn't plan to liquidate them, and even if she sells the house, it will take time, and she needs the bank's approval to make a loan if she takes the house as a mortgage.She wanted to take out a mortgage on a house in Bingcheng. After investigation by the bank, it was found that she only had a monthly income of more than [-] yuan from the social security card. Apart from that, she had no fixed income, so the bank refused to give her a loan.She applied to many big banks to increase the credit card limit. These banks found that she had [-] yuan in unpaid credit card loans, and all of them were repaid slowly in many installments. These banks refused to increase her credit card limit. upper limit.The bank staff kindly suggested that she pay back part of the credit card money. If the credit card quotas are fully occupied, if she suddenly wants to use the money, the bank cannot immediately release the money for her, and she has to go through formalities. The loan will be released quickly and can be used in an emergency.My mother also knows that some small loans are terrible, and the publicity is very good. Once the debt is not repaid, and some annual interest rates exceed the prescribed interest limit of [-]%, she only dares to deal with large formal financial institutions. Although the review is strict , but she feels safe, and the annual interest rate is within a reasonable range, which she can barely afford.The female analyst said to report to the department leaders to see if there are other plans, and they don't want to see customers who have paid premiums for [-] years lose their rights.After a while, the female analyst came back. She said that she had communicated with her superiors and there was no new plan. She just advised the client not to withdraw the insurance and lose the annual pension, and they would be able to receive the money in less than a month. The side is a branch of the insurance company, and I suggested that my mother call the company headquarters in the southern city to see if there is a better solution.My mother doesn’t want to make phone calls anymore. She thinks that she can get close to [-] yuan if she surrenders the insurance, which is also an option. At least she can pay off all the loans borrowed by her insurance company. The loan is more than [-] yuan, which is nearly [-] yuan a year. Interest, after so many years of repayment, she has successively paid hundreds of thousands of interest money to the insurance company, which means that she has worked for the insurance company, and she really feels that she can't afford it.If the policy is not surrendered, the cash value of the policy of [-] yuan will slowly increase by tens of thousands over time. It will take nearly [-] years for her to receive all of the [-] yuan. "With some guarantees, it will take many years to get back the money you invested. For some specific details, you must know how to analyze clearly and choose the one that suits you.

(End of this chapter)