My objective is clearly to explain a product. So my product is life insurance. What is life insurance?  There was a story. Mr Chen who came to Ningbo for eight years is a successful businessman. His salary was 40 thousand every month. He also had a saving 100 thousand. He got married and had a cute daughter. He loved them so much. He didn't want his wife work hard. So His wife became a housewife. Every year he would take them abroad. His parents live in the countryside. They were farmers.  He bought a house last year. His mortgage payment was 250 thousand. His family expense was 15 thousand every month. In China we all knew that we should give money to our parents when they were old. He would give them 2 thousand every month. His daughter's college expense needed 100 thousand. What do you think is the most valuable in his family. Exactly it was him. 

If some bad something happened to him, he couldn't bring his salary home. What would happen to his family? What happened to him, let him couldn't bring his salary home? Death or disability. What could help him to reduce the loss of his family? It's life insurance. Life insurance is a protection against financial loss that would result from the premature death of an insured.The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.

the last not least ，why so many people reject insurance? Some had bad experiences on life insurance. Some of salesman cheat them. so he couldn't get the payment after something happened. Some didn't learn much about life insurance, thought i bought it was enough. Didn't thought it suitable to them.