"Insurance is more advantageous the earlier you get it. As you get older, there may be cases where you want to get it but can't."

"Is it really better to get insurance early?"

"Yes, indeed. The earlier you get it, the more beneficial it is."

...Oh no, Mom is already being influenced by the insurance lady. Mom is just too trusting. But I guess most people are like that...

...Insurance salespeople have all sorts of tactics up their sleeves. Regular customers basically have zero knowledge about insurance, so they're completely vulnerable. It's like a battle without fighting...

"Wait a minute. What you just said is strange."

"Huh... what?"

"We were just talking about whether to get it or not, but suddenly you're assuming we're going to get it."

"Oh... now that you mention it..."

"That's weird, right? We haven't even talked about actually getting insurance, but you're already discussing the benefits of getting it early or the possibility of not being able to get it when you're older. Isn't this a complete diversion of the topic?"

[Conversation between the insurance lady and Mrs. Zaizen internal thoughts of Mr. Zaizen conversation between Mr. Zaizen and Mrs. Zaizen, and Mr. Zaizen's words.]

"Now let's think about why you might want to get life insurance.

Life insurance is a useful product for when the insured person dies or is hospitalized due to illness or accident.

You feel more inclined to get insurance when you experience such 'risks' firsthand.

For example, when relatives or family members die or become ill.

Insurance companies are well aware of this, and there are even insurance ladies within funeral companies, so be careful not to take out insurance immediately after a funeral.

In the field of mathematics, there is a concept called 'probability weighting function'.

This concept involves overestimating the probability of events with low actual probabilities, and underestimating the probability of events with actual probabilities of 50% or higher.

This discrepancy becomes extremely strong around values close to 0% or 100%.

For example, events with probabilities close to 0% are perceived as much more likely than they actually are.

Conversely, events with probabilities close to but less than 100% are perceived as much less likely than their actual probabilities, such as 80% or 90%.

Based on these insights, people act based on the 'perceived probability' rather than the actual probability.

The fact that the life insurance enrollment rate in Japan is 77% for men and 82% for women is likely a result of this.

As a result, people may feel more reassured than necessary about insurance coverage or perceive the burden of insurance payments as lighter than the actual amount.

While being influenced by such 'psychological biases', Japanese people make the choice to enroll in insurance.

Remember that insurance agents are not insurance experts but rather sales experts.

Even knowledgeable individuals are gradually realizing that 'insurance is unnecessary'.

Insurance is no longer something you automatically get when you become an adult.

Expanding your knowledge about insurance, making efforts to find better insurance, or even learning alternative ways to lead a happy life beyond insurance can broaden your options for yourself and your loved ones.

Keep in mind that the one who benefits from you joining insurance is not you or your family, but the insurance lady and the regular employee of the insurance company who owns a prime location and continues to have an annual income of over 8 million yen."