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目前较多的保险产品都带有储蓄性质,因而保费相对较高。而目前不少市民受收入水平的限制和对未来收入预期的不确定,以及缺乏对保险产品的了解,都感觉买不起保险,即使购买了保险,由于所能负担的保费较少,因此保额也相对偏低,一旦发生保险事故,会觉得保障不太足够。请看下面这个例子:
At present, more insurance products have the nature of savings, so the premiums are relatively high. At present, many citizens feel that they can not afford insurance due to the restriction of income level and their uncertainty about their future income expectation, as well as the lack of understanding of insurance products. Even if they buy insurance, they can afford less premiums The amount is relatively low, in the event of an insurance accident, will feel that protection is not enough. Please see the following example: