No matter how much money you have, you must pay attention to security, otherwise you will be even more embarrassed; no matter how rich you are, you must guard against risks, otherwise you will suffer heavy losses! Insurance has nothing to do with whether you have money or not, it only has something to do with your future! How to formulate insurance plans for different ages? The famous Maslow’s theory of needs tells you.
1Insurance to meet physiological needs
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This is the most basic requirement for human beings to maintain their own existence, including the need for:
◆breathing
◆ water
◆food
◆ sleep
◆Physiological balance
◆secretion
If any one of these needs is not met, the physiology of the individual human being cannot function normally. In other words, human life will be threatened.
“Insurance demand: People at this stage hardly have enough money to buy insurance, but that doesn’t mean they don’t need insurance. Customers at this stage should at least purchase a certain amount of accident insurance to avoid such disasters. Families add insult to injury.”
2Insurance to meet security needs
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This is the human demand for the following things:
◆Personal safety
◆Health protection
◆Resource ownership
◆Property ownership
◆Moral Guarantee
◆Job security
◆Family Security
Human’s sensory organs, effector organs, intelligence and other energies are mainly tools for seeking security, and even science and outlook on life can be regarded as part of satisfying security needs.
“Insurance demand: customers at this stage need almost all protection products, including accidental injury insurance, health insurance, home property insurance, business property insurance, vehicle insurance, sufficient savings insurance and high protection insurance , to ensure the financial security of the entire family.”
3Insurance that satisfies emotional belonging
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This level includes the need for:
◆Friendship
◆Love
Everyone wants mutual relationship and care. Emotional needs are more detailed than physical needs. It is related to a person’s physical characteristics, experience, education, and religious beliefs.
“Insurance needs: Customers at this stage should think about insurance from the perspective of responsibility. The reason for buying insurance is to be responsible for the lives of parents, spouses, and children. Because love does not end when you say it, but It is to rely on effective means to ensure that whether we are present or not, we can let the loved one enjoy our love.”
4Insurance that meets the need for respect
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This level includes the need for:
◆Self respect
◆Confidence
◆Achievement
◆Respect for others
◆Be respected by others
The need for respect can be divided into internal respect and external respect. Internal respect is a person’s self-esteem. External respect means that a person wants to have status, prestige, and be respected, trusted, and highly appraised by others.
“Insurance demand: Customers at this stage are responsible for their own lives, that is, they must have sufficient retirement reserves and medical reserves so that they will not be a burden to family members and friends when they are sick or old. Only when you really have dignity will you be respected.”
5Self-fulfilling insurance
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This level includes the need for:
◆Moral
◆Creativity
◆Consciousness
◆Problem solving ability
◆Fairness
◆Ability to accept reality
It refers to the person who realizes personal ideals and ambitions, exerts personal abilities to the greatest extent, and achieves the realm of self-realization, accepts himself and others, enhances problem-solving ability, improves self-consciousness, is good at doing things independently, and requires to be alone without being disturbed. The need to do everything commensurate with one’s abilities.
“Insurance needs: Customers at this stage have already taken good care of themselves and their families, are considerate of themselves and others, and are willing to make more contributions to the development and progress of society. Buying insurance at this time is to create more personal value , In Taiwan, many rich people have started to buy insurance and donate it to charity organizations. Every policy is a merit, buying insurance is actually helping each other, no matter how big or small it is.”
