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Life Reviews 300,000 Insurance Lessons

25 years of life review and 3 lakh lessons exchanged for money!

----------------------------------------------

# It's like it just happened

It was yesterday...

The picture is still clear in the head.

♪ The day I just graduated

Strong fire. Want to start planning life.

To look like a stable adult.

And then...

"Insurance salesman."

Well, it showed up.

With a heart-print smile.

And a thin book that says,

"Savings for the future."

♪ Was it fooled?

Fell back and forth. Believe everything.

That he said.

As if he were an adult relative.

The best hope in the world.

I remember exactly that

The agent advertised that

"You believe me. Keep sending.

At the end of the 25th year,

I prepare to be a millionaire.

All right. The money's back in my pocket.

There must be at least some

5-6 hundred thousand baht, of course! "

♪ Listen, how's it going?

Imagination goes a long way.

To the point of taking six hundred thousand

Go down the car. Buy gold.

Or travel around the world.

Signed Grack! Get the policy.

Well shelved.

(Good until not opening to read at all)

♪ Time flies like a lie...

You know, five more years.

The contract is 25 years old!

With excitement.

To get a lump sum of "half a million."

As dreamed.

So I went to pry the policy.

The dust caught up and came to see

And turn on the calculator. Wait...

When the calculator is pressed

That's it...

Hands are shaking!

Total premium money paid:

For the past 20 years,

In total, about 300,000 baht.

Computed Compensation Benefits:

It appears that

It only returned $10,000...

Yes, that's not wrong.

Over two decades

Only ten thousand profit!

♪ That second

Like being slapped in the middle of an intersection

From that sweet dream

There will be six hundred thousand floating.

Become a single ten thousand profit in 25 years?

Average

I get a return of 400 baht a year!

Buy a famous brand of coffee.

Even a few glasses a year.

# This is not a savings anymore

Here it is.

"Take money to make him rich."

Obviously!

The bastard who said he'd get five to six hundred thousand, that's

"Fictional numbers in the air."

As for the money in hand, this is

"Real Life Tragedy"

Classic consolation words

What's that given?

Most impressed?

"Oh brother...For the past 25 years,

You have life protection.

If you are anything, the person behind is comfortable. "

Oh, yeah...Thank you very much!

Look, if I don't "What's wrong?"

To get that cover.

My $100,000.

Is equal to

Money change today?

♪ Turns out

I had to fight my life hard.

To pay the premium.

Let the insurance company take care

My "death."

But my life

Almost eat the chaff because it sends a pawn!

🔺 this lesson teaches that:

Don't trust anyone.

In addition to the calculator:

How sweet is the salesman talking?

The 5-6 lakh numbers spewed out.

If not in the contract,

It's a novel.

🔺 policy is not a eunuch:

Don't keep it on the shelf.

Open to read it

Before 20 years passed.

And exclaimed, "Fuck!" Like me.

🔺 coverage is good:

But if you pay three hundred thousand,

And then returned like this

Suggest to take the money to bury the soil

Still probably more

(Just kidding!)

🔺 who's going to sign 25 years of insurance.

Because hoping for half a million...

Please look at my review as an illustration.

🔺 a single ten thousand profits in 25 years.

Take to buy an anesthetic to smell

Edit fainting when seeing the balance back

It's hardly enough yet!

Don't want to tell

------------------------------------------

Source: # Thread Thread Threads # Thousand Tips # Pantip

# prizemoney # knowledge # Scammer # liability

# Saving money # Finance

# Financial planning # Life insurance

# Alarm

2/12 Edited to

... Read moreหลังจากที่ได้อ่านเรื่องราวประสบการณ์ตรงเกี่ยวกับประกันชีวิตที่ต้องจ่ายเบี้ยประกันจำนวนมากถึง 300,000 บาท แต่ได้รับผลตอบแทนคืนเพียงเล็กน้อย ผมเองก็รู้สึกสะดุดและอยากจะแชร์ความเห็นในฐานะคนที่เคยผ่านประสบการณ์คล้ายๆ กัน ในการเลือกซื้อประกันชีวิต สิ่งสำคัญที่ผมเรียนรู้คือการไม่เชื่อคำพูดเพียงอย่างเดียวจากพนักงานขายหรือโฆษณาที่ฟังดูน่าดึงดูด แม้บางครั้งจะถูกนำเสนอภาพลักษณ์ของการลงทุนที่ให้ผลตอบแทนสูง แต่ตัวเลขที่แท้จริงและสัญญาประกันเป็นสิ่งที่ต้องวิเคราะห์และทำความเข้าใจอย่างละเอียด ผมเคยเจอเหตุการณ์ที่ได้รับคำแนะนำให้ซื้อประกันชนิดสะสมทรัพย์ที่ได้รับผลตอบแทนในอนาคต แต่เมื่อเวลาผ่านไป พบว่าเงินที่ได้รับคืนไม่คุ้มค่าเท่าไรกับเงินที่จ่ายไป ทั้งนี้ การอ่านและศึกษาข้อมูลกรมธรรม์ รวมถึงเงื่อนไขการชำระเบี้ยประกันและผลตอบแทนจึงเป็นสิ่งสำคัญมาก นอกจากนี้ผมยังได้รับคำแนะนำว่า กรมธรรม์ประกันชีวิตไม่ควรเป็นเพียงเอกสารเก็บไว้เฉยๆ แต่ควรเปิดอ่าน ทำความเข้าใจ และตรวจสอบสถานะกรมธรรม์อย่างสม่ำเสมอ เพื่อวางแผนการเงินและปรับเปลี่ยนให้เหมาะสมกับความต้องการของตนเองในแต่ละช่วงชีวิต สุดท้าย สิ่งที่สำคัญคือการมีเครื่องมือช่วยคำนวณและเปรียบเทียบผลตอบแทนจากหลายๆ ทางเลือก ไม่ว่าจะเป็นการลงทุนในสินทรัพย์อื่น หรือแบบประกันชีวิตที่ให้ความคุ้มครองพร้อมกับผลตอบแทนที่เหมาะสม การรู้จักตั้งคำถามและใช้เหตุผลในการตัดสินใจจะช่วยให้เราไม่ตกเป็นเหยื่อของคำโฆษณาที่เกินจริง และสามารถบริหารการเงินส่วนตัวได้อย่างมีประสิทธิภาพมากขึ้น ผมขอฝากไว้ว่าการเรียนรู้จากประสบการณ์ของคนอื่นคือสิ่งที่มีค่า อย่าลังเลที่จะสอบถามและศึกษาข้อมูลเพิ่มก่อนจะตัดสินใจซื้อประกันชีวิต เพราะนี้ไม่ใช่แค่ออมเงิน แต่เป็นการมอบความมั่นคงให้กับชีวิตในระยะยาวจริงๆ

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