一、储蓄是爬楼梯，是一种逐步积累资金的方法，它需要经过规定的时间，才能达到目标额。保险是坐电梯，它的特点是在投保的同时，就能得到约定的保障额。保险一般是1：10倍（或者更大值）的杠杆即时倍增价值！（1、 Saving is climbing stairs and a gradual method of accumulating funds, which requires a specified amount of time to reach the target amount. Insurance is taking the elevator, and its characteristic is that at the same time as purchasing insurance, you can receive the agreed amount of protection. Insurance typically involves a leverage ratio of 1:10 times (or higher) to instantly double the value!）
二、银行存多少是多少。如果存的钱不够多，真有意外事件发生时，就是杯水车薪，白白着急。保险是放大的倍数。在有意外发生时，领取的保险金会数十甚至数百倍于保费，可谓“四两拨千斤”。（2、 How much is deposited in the bank. If there is not enough money saved, it will be a drop in the bucket and a waste of time when unexpected events occur. Insurance is a multiplier. In the event of an accident, the insurance benefits received can be tens or even hundreds of times higher than the premium, which can be described as a "four liang allocation of a thousand pounds".）
三、储蓄是算得出利息，算不出风险。保险是算出了风险的巨额花费，并及时提供给你。有如身体突如其来的变化，保险可以理赔一大笔钱，而不至于惊慌用完储蓄的钱。（3、 Saving can calculate interest, but not risk. Insurance calculates the huge cost of risk and provides it to you in a timely manner. Like a sudden change in the body, insurance can claim a large sum of money without panicking and using up the savings.）
四、《中华人民共和国保险法》规定：经营人寿业务的保险公司不得解散，
保险如期付给。
即使购置海外保险亦然，保险是不容许破产；并且保险公司的最低偿付能力都是监管部门规定的3倍，意思是放1块到保险公司，保证了4块的偿付能力；正所谓最安全的资产莫过于放保险公司了！
五、储蓄的利率是可变的。保险的保障不会因外界因素而变更，就如香港的分红寿险为例，有几十年的分红数据，红利的平均值6%左右的复利，比储蓄利率高。
六、储蓄只是储蓄。保险是一种既保值又具有保障功能的储蓄，当你需要时它会在你身边。简单而言，保险的意义在于有起事来是保险，没事当储蓄，一举两得！
交钱一阵子，保障一辈子
现在积小钱，将来领大钱
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