Creating half-price insurance premiums
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Description
Book Introduction
Reduce your insurance premiums by uncovering the secrets that insurance companies don't reveal. How to find and design the insurance that is right for you, YouTuber with 7.5 million views, "How to Make Half-Price Insurance," tells you! Many office workers experience that as soon as their paycheck arrives, it quickly disappears into thin air. If you try to save money by keeping a household account book, you will see that quite a lot of money is going towards insurance premiums, just like living expenses and loan interest. We signed up for insurance to cover our family's various needs in case of an emergency, but I feel bad about canceling it because I feel like I've wasted all the money I've paid, and there are so many different types of insurance that it's overwhelming to even think about switching. But if I leave it alone, the cost of spending hundreds of thousands of won every month is burdensome. For these people, the "Half-Price Insurance Premium Creation Project" has been revised and updated with the latest insurance information and additional answers to readers' questions. The author neither works for an insurance company nor is he an insurance planner. So, I can freely reveal the secret to removing the insurance premium bubble from the perspective of the insurance subscriber. Even if you want to receive a guaranteed principal? Insurance isn't about "savings," it's about expenses and "expenditures." Costs and expenditures must be properly controlled and managed under plan. If you manage the insurance premiums that are automatically deducted every month, the insurance premium for a family of four with young children can be reduced to 200,000 won. There are plenty of smart ways to reduce your spending, such as signing up for insurance online without a designer, signing up for the same insurance at a lower price based on your health, and remodeling your insurance premiums to suit your age. Let's choose only the insurance that suits your situation, reduce excessive insurance premiums, and use that money to build another future. |
- You can preview some of the book's contents.
Preview
index
Part 1: Insurance: The Truth Between Blind Faith and Ignorance
Things Insurance Planners Can't Say
Why Insurance is So Difficult for Us
Trust? Understanding the insurance company's profit structure reveals the answer.
Insurance doesn't protect against all risks.
Savings? Insurance is a negative from the start.
Refunds? Insurance premiums are a cost and an expense.
Even investing? Let's not even think about making money with our bodies.
Why You Should Reduce Your Insurance Premiums Now
Well then, should I just not get insurance?
Part 2 Insurance: Key Tips for Staying Centered and Unwavering
Maturity refund type vs. pure guarantee type - Pure guarantee type!
20 Year Lead vs Electric Lead - Electric Lead!
80 vs 100 - 80 Years Old!
Renewable vs Non-Renewable - Non-Renewable!
Online vs. Designer - Online! Insurance Damoa
Discounts on healthy/good body types that you can't find if you don't know about them
Prioritize insurance policies you should sign up for right now
Special priority that can be deleted immediately
Three things to keep in mind when purchasing insurance: handwritten signature, duty to notify, and duty to inform.
Reduce Part 3 insurance premiums by half
Stand firm without fear, with Core Insurance 2+1 (Two Plus One)
Medical Insurance (Actual Expense Insurance) | Insurance for Diagnosis Fees for the Three Major Diseases: Cancer, Brain, and Heart Diseases | Term Life Insurance (Death Insurance)
Sign up for health insurance - online/insurance planner/insurance agency
Sign up for insurance for the diagnosis of the three major diseases - Insurance planner/GA insurance agency
Supplementing Diagnostic Costs with Online Cancer Insurance
Sign up for term insurance
Sign up for driver's insurance
Signing up for a disability insurance policy - an alternative to dementia insurance
Sign up for children's insurance and fetal insurance
5 Insurance Types to Avoid If Possible and the Alternatives
Whole Life Insurance | CI Insurance | Savings Insurance | Dental Insurance | Dementia/Nursing Care Insurance
Part 4: Customized insurance remodeling tailored to your age and circumstances
Real-life examples of insurance subscriptions
23-year-old college student female | 35-year-old married office worker male | 45-year-old married office worker male
53-year-old married woman, housewife | 65-year-old married woman (health insurance)
Age-Based Monthly Insurance Premium Guide - How Much Is Right for Me?
Insurance Guide for Each Situation - Which Insurance Coverage Fits Your Budget?
Part 5 Insurance Q&A | If you're confused, you're the only one who loses.
Q: I heard it's difficult to get a loan for a pure guarantee product?
Q When is the best time to file an insurance claim?
Q: What if I'm confused about my insurance status? Get it all in one place.
Q: How many generations of actual expenses are covered? Compare actual expenses insurance for generations 1-4.
Q4th generation health insurance, why is there so much talk about it?
Q: Silbi keeps going up and it's not possible to maintain it for a long time?
Q: How do you remodel your insurance policy? The actual loss conversion system.
Q What should I check before remodeling my insurance?
Q: Are those words true? Using statistical data to tell only the facts.
Q I'm curious about these things as well
Part 6: Preparing for Retirement with the Insurance Premiums You Saved
Who doesn't know the importance of retirement planning? Most don't.
How much retirement savings do I need?
Tips for Preparing Retirement Funds
What others are preparing for? National Pension, IRP retirement pension, private pension, housing pension
The Model Answer for Personal Pension: Pension Savings Funds
Things Insurance Planners Can't Say
Why Insurance is So Difficult for Us
Trust? Understanding the insurance company's profit structure reveals the answer.
Insurance doesn't protect against all risks.
Savings? Insurance is a negative from the start.
Refunds? Insurance premiums are a cost and an expense.
Even investing? Let's not even think about making money with our bodies.
Why You Should Reduce Your Insurance Premiums Now
Well then, should I just not get insurance?
Part 2 Insurance: Key Tips for Staying Centered and Unwavering
Maturity refund type vs. pure guarantee type - Pure guarantee type!
20 Year Lead vs Electric Lead - Electric Lead!
80 vs 100 - 80 Years Old!
Renewable vs Non-Renewable - Non-Renewable!
Online vs. Designer - Online! Insurance Damoa
Discounts on healthy/good body types that you can't find if you don't know about them
Prioritize insurance policies you should sign up for right now
Special priority that can be deleted immediately
Three things to keep in mind when purchasing insurance: handwritten signature, duty to notify, and duty to inform.
Reduce Part 3 insurance premiums by half
Stand firm without fear, with Core Insurance 2+1 (Two Plus One)
Medical Insurance (Actual Expense Insurance) | Insurance for Diagnosis Fees for the Three Major Diseases: Cancer, Brain, and Heart Diseases | Term Life Insurance (Death Insurance)
Sign up for health insurance - online/insurance planner/insurance agency
Sign up for insurance for the diagnosis of the three major diseases - Insurance planner/GA insurance agency
Supplementing Diagnostic Costs with Online Cancer Insurance
Sign up for term insurance
Sign up for driver's insurance
Signing up for a disability insurance policy - an alternative to dementia insurance
Sign up for children's insurance and fetal insurance
5 Insurance Types to Avoid If Possible and the Alternatives
Whole Life Insurance | CI Insurance | Savings Insurance | Dental Insurance | Dementia/Nursing Care Insurance
Part 4: Customized insurance remodeling tailored to your age and circumstances
Real-life examples of insurance subscriptions
23-year-old college student female | 35-year-old married office worker male | 45-year-old married office worker male
53-year-old married woman, housewife | 65-year-old married woman (health insurance)
Age-Based Monthly Insurance Premium Guide - How Much Is Right for Me?
Insurance Guide for Each Situation - Which Insurance Coverage Fits Your Budget?
Part 5 Insurance Q&A | If you're confused, you're the only one who loses.
Q: I heard it's difficult to get a loan for a pure guarantee product?
Q When is the best time to file an insurance claim?
Q: What if I'm confused about my insurance status? Get it all in one place.
Q: How many generations of actual expenses are covered? Compare actual expenses insurance for generations 1-4.
Q4th generation health insurance, why is there so much talk about it?
Q: Silbi keeps going up and it's not possible to maintain it for a long time?
Q: How do you remodel your insurance policy? The actual loss conversion system.
Q What should I check before remodeling my insurance?
Q: Are those words true? Using statistical data to tell only the facts.
Q I'm curious about these things as well
Part 6: Preparing for Retirement with the Insurance Premiums You Saved
Who doesn't know the importance of retirement planning? Most don't.
How much retirement savings do I need?
Tips for Preparing Retirement Funds
What others are preparing for? National Pension, IRP retirement pension, private pension, housing pension
The Model Answer for Personal Pension: Pension Savings Funds
Detailed image
Into the book
Sometimes, when I advise people on remodeling their insurance policies, I hear sighs and complaints from people who are canceling their existing policies.
“I paid so much so far, but the refund is less than the principal, so I suffered a loss.” It is not that I suffered a loss on the principal.
Insurance premiums were originally money that would disappear.
While I was paying the premiums, they protected me, and regardless of whether I received the benefits or not, the premiums have served their purpose well so far.
This is the attitude that thinks that insurance premiums are costs and expenses.
We sign up for cancer insurance to prepare for the possibility of getting cancer, but in reality, we also need to prepare for the possibility of not getting cancer.
Since the premiums paid are expenses that disappear if you do not get cancer, you should not increase coverage or premiums indiscriminately.
Rather than signing up for every rider recommended by the designer, you should focus your premiums on the most important coverages and reduce the number of less important riders.
We will find out what is important and what is less important in the future.
I want to say that the purpose of this book is absolutely not to tell you, "Don't sign up for insurance because you might not receive the insurance money."
Personally, I think that all citizens should be required to have insurance.
However, the key is to only subscribe to the insurance that is absolutely necessary and at an appropriate amount that fits your income and financial situation.
It is wise to set aside some money for insurance to protect against future risks, within 10% of your income.
There is no set answer when it comes to signing up for insurance.
The method varies depending on the policyholder's values, living environment, level of insurance premium payment, and health status.
However, since most people are naturally unaware of insurance, let's find out the appropriate insurance premium level and how to sign up for it according to each age group.
If you apply what you've learned so far, you'll be confident that you can prepare well, focusing on important coverage, even with the amount suggested here.
“I paid so much so far, but the refund is less than the principal, so I suffered a loss.” It is not that I suffered a loss on the principal.
Insurance premiums were originally money that would disappear.
While I was paying the premiums, they protected me, and regardless of whether I received the benefits or not, the premiums have served their purpose well so far.
This is the attitude that thinks that insurance premiums are costs and expenses.
We sign up for cancer insurance to prepare for the possibility of getting cancer, but in reality, we also need to prepare for the possibility of not getting cancer.
Since the premiums paid are expenses that disappear if you do not get cancer, you should not increase coverage or premiums indiscriminately.
Rather than signing up for every rider recommended by the designer, you should focus your premiums on the most important coverages and reduce the number of less important riders.
We will find out what is important and what is less important in the future.
I want to say that the purpose of this book is absolutely not to tell you, "Don't sign up for insurance because you might not receive the insurance money."
Personally, I think that all citizens should be required to have insurance.
However, the key is to only subscribe to the insurance that is absolutely necessary and at an appropriate amount that fits your income and financial situation.
It is wise to set aside some money for insurance to protect against future risks, within 10% of your income.
There is no set answer when it comes to signing up for insurance.
The method varies depending on the policyholder's values, living environment, level of insurance premium payment, and health status.
However, since most people are naturally unaware of insurance, let's find out the appropriate insurance premium level and how to sign up for it according to each age group.
If you apply what you've learned so far, you'll be confident that you can prepare well, focusing on important coverage, even with the amount suggested here.
--- From the text
Publisher's Review
Is insurance a bad thing or a good thing?
Let's learn more about insurance and the insurance industry.
YouTuber 'Making Half-Price Insurance Premiums' does not work for an insurance company, nor is he an insurance planner.
So, the insurance planner can freely and transparently explain why he or she recommends a particular product and how the insurance company makes a profit.
And they say that insurance is neither savings nor investment, and that you should not be complacent just because you signed up for an expensive product that provides various guarantees.
However, this does not mean that I view insurance subscription negatively.
Rather, they argue that insurance is essential, as it is a tool that can offset potential risks of an uncertain future with a small investment amount.
Let's take a closer look at insurance that can be beneficial if used well.
The first bait to catch insurance scammers, terminology!
Knowing just a few basic terms can help you lower your insurance premiums.
The first thing that makes insurance difficult is terminology.
It explains terms such as maturity refund type/pure guarantee type, 20-year payment type/early payment type, etc., and also gives you a clear idea of which one is more effective to choose.
We also introduce five types of guaranteed insurance you should sign up for right now and five types of insurance you should avoid if possible.
You might think that the more expensive the insurance premium, the more well-prepared you are, but this is a mistake.
Let's only sign up for good insurance, excluding insurance that is okay to have and insurance that only benefits the insurance company more than the actual benefits I will receive.
Since the subscription method for each insurance is described in detail, there is no problem in subscribing on your own.
My insurance premium, is this correct?
Let's remodel your insurance to suit your age and circumstances.
The type and cost of insurance required differ depending on age group, such as teens, 20s, 30s, 40s, and 50s.
It kindly explains what the differences are depending on age, how to sign up, and why you should do so.
Additionally, each person and each household has different income levels and circumstances, so not everyone will be able to sign up for as much insurance as they want.
So, we divided it into 5 stages, from signing up for insurance according to importance to how to replace the missing parts.
You can remodel your insurance plan yourself by referring to examples neatly organized in an Excel spreadsheet so that you can sign up for insurance according to your age and circumstances.
'I'm curious about this too.'
We've compiled frequently confusing insurance topics in Q&A format.
The YouTube channel 'Making Insurance Premiums Half Price' is a YouTube channel run by a non-insurance industry professional with the most subscribers and 7.5 million cumulative views among insurance premium-related channels.
We've compiled frequently asked questions to the author, who actively interacts with his YouTube subscribers, in a Q&A format.
We've compiled a list of topics that many people find confusing, including when is the best time to file an insurance claim, how 1st to 4th generation real cost insurance differs, and what to check before remodeling your insurance.
If you have any additional questions while reading the book, feel free to ask the author questions via YouTube comments or email.
'How should I use the insurance premiums I've saved?'
It even includes tips on how to prepare for retirement.
It also covers how to prepare for retirement with the insurance premiums saved through insurance premium remodeling.
We help you find out how much retirement savings you need and prepare for retirement through various methods, such as the National Pension, IRP retirement pension, private pension, and housing pension.
Let's prepare in advance so that we can create a beautiful old age where we can be happy and share with others, rather than a difficult one.
Let's learn more about insurance and the insurance industry.
YouTuber 'Making Half-Price Insurance Premiums' does not work for an insurance company, nor is he an insurance planner.
So, the insurance planner can freely and transparently explain why he or she recommends a particular product and how the insurance company makes a profit.
And they say that insurance is neither savings nor investment, and that you should not be complacent just because you signed up for an expensive product that provides various guarantees.
However, this does not mean that I view insurance subscription negatively.
Rather, they argue that insurance is essential, as it is a tool that can offset potential risks of an uncertain future with a small investment amount.
Let's take a closer look at insurance that can be beneficial if used well.
The first bait to catch insurance scammers, terminology!
Knowing just a few basic terms can help you lower your insurance premiums.
The first thing that makes insurance difficult is terminology.
It explains terms such as maturity refund type/pure guarantee type, 20-year payment type/early payment type, etc., and also gives you a clear idea of which one is more effective to choose.
We also introduce five types of guaranteed insurance you should sign up for right now and five types of insurance you should avoid if possible.
You might think that the more expensive the insurance premium, the more well-prepared you are, but this is a mistake.
Let's only sign up for good insurance, excluding insurance that is okay to have and insurance that only benefits the insurance company more than the actual benefits I will receive.
Since the subscription method for each insurance is described in detail, there is no problem in subscribing on your own.
My insurance premium, is this correct?
Let's remodel your insurance to suit your age and circumstances.
The type and cost of insurance required differ depending on age group, such as teens, 20s, 30s, 40s, and 50s.
It kindly explains what the differences are depending on age, how to sign up, and why you should do so.
Additionally, each person and each household has different income levels and circumstances, so not everyone will be able to sign up for as much insurance as they want.
So, we divided it into 5 stages, from signing up for insurance according to importance to how to replace the missing parts.
You can remodel your insurance plan yourself by referring to examples neatly organized in an Excel spreadsheet so that you can sign up for insurance according to your age and circumstances.
'I'm curious about this too.'
We've compiled frequently confusing insurance topics in Q&A format.
The YouTube channel 'Making Insurance Premiums Half Price' is a YouTube channel run by a non-insurance industry professional with the most subscribers and 7.5 million cumulative views among insurance premium-related channels.
We've compiled frequently asked questions to the author, who actively interacts with his YouTube subscribers, in a Q&A format.
We've compiled a list of topics that many people find confusing, including when is the best time to file an insurance claim, how 1st to 4th generation real cost insurance differs, and what to check before remodeling your insurance.
If you have any additional questions while reading the book, feel free to ask the author questions via YouTube comments or email.
'How should I use the insurance premiums I've saved?'
It even includes tips on how to prepare for retirement.
It also covers how to prepare for retirement with the insurance premiums saved through insurance premium remodeling.
We help you find out how much retirement savings you need and prepare for retirement through various methods, such as the National Pension, IRP retirement pension, private pension, and housing pension.
Let's prepare in advance so that we can create a beautiful old age where we can be happy and share with others, rather than a difficult one.
GOODS SPECIFICS
- Date of issue: September 13, 2023
- Page count, weight, size: 328 pages | 616g | 152*225*20mm
- ISBN13: 9788960306196
- ISBN10: 8960306193
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