Daming: I, Zhu Yue, inherit the magic machine and a hundred refinements at the beginning

Chapter 0076: Only a smart person knows how clever King Han's move really is!!

Nowadays, there are more and more caravans coming and going in Hanzhong Mansion, but Zhu Li still feels that it is far from enough!

Only the more prosperous commerce and trade, the higher the GDP of Hanzhong Province!

In the future, there will be more caravans going to and from Hanzhong Mansion, but correspondingly, the probability of caravans being robbed will become higher and more frequent!

After all, as long as the caravan leaves the territory of Daming, Daming's side can't manage it!

In addition to Zhu Li's own caravan, like Lan Yu's caravan, if you take the Hexi corridor, the risk is still very high, but compared to ordinary caravans, it will be much safer, after all, there is also a name of Liang Guogong there, and ordinary people dare not move!

But others really don't dare to guarantee!

This is also why Zhu Li thought of getting a personal accident insurance.

If the person who has taken out personal accident insurance, because of accidental death, the family can receive a compensation, not limited to robbery and death, but also other causes of accidental death.

As long as it is not a normal birth, old age, illness and death, you can make a claim!

After all, when you go to business, when you are lucky, but the goods are robbed, but if you are unlucky, your life will have to be hit!

Zhu Li also said to do it, and after returning to the palace that day, he called Steward Yuan over and began to discuss the details of setting up an insurance bank.

Since you want to sell insurance, you must first treat a company to come out.

Zhu Li has already set up a car shop before, this time it is an insurance bank, which is specially responsible for handling personal or caravan insurance!

Insurance banks are also properties under the name of Hanwangfu to enhance credibility!

People's hearts!

Now in the entire northwest, the Han King Mansion and the brand made in Hanzhong are the most in-depth, in addition, Zhu Li also has to work out some insurance rules with Butler Yuan!

For example, personal accident insurance, the premiums that need to be paid can also be divided into several

file, for different amounts of compensation!

Another example is the case of insurance fraud, not a penny will be paid, and you need to eat prison and so on!

After three days of busy work, with the ability and efficiency of the Han Royal Mansion, the first insurance company of the Ming Dynasty, the Hanzhong Insurance Bank, was located on the most lively street in Hanzhong Mansion

is officially opened!

At the same time, on both sides of the door of the insurance bank, there is also an insurance notice about personal accident insurance!

For a time, as long as the people who passed by and saw it, they were all attracted by the notice at the door of this insurance bank!

Because of the credibility of the Han Royal Mansion, even illiterate ordinary people should ask those who can understand what is written on this notice!

In addition, Geng Qing also specially arranged about ten people to post all the notices of this personal accident insurance on the main street of Hanzhong Mansion!

The person in charge of posting the notice is Nabilai who led the team by Zhou Tong!

"Personal accident insurance, pay thirty dollars a month, if the insured person dies in an accident, you can get 100 taels of compensation!"

"Pay sixty dollars a month, and the compensation amount is 300 taels!"

"This one is higher! Pay 100 taels every month, and pay up to 500 taels."

For a time, after the people saw such a low premium and such a high claim amount, they all talked about it!

Most of them are a little skeptical!

The main thing is that the price of this compensation is too high!

Like those caravans that specialize in running to run merchants outside the border, dead people are a common thing!

If these people come to insure, then they can't kill King Han?

"How could His Royal Highness King Han make such a loss-making transaction?"

For a while, most people had such an idea in their minds.

"Fellow villagers, rest assured, the credibility of the Han King Mansion is guaranteed, and His Royal Highness the King of Han also knows that more and more people are dying in accidents, so in order to take care of the people, he specially launched such insurance!"

Zhou Tong stood in front of the notice at this time, talking to the group of ordinary people!

These beautiful words are naturally also specially explained by Geng Qing, and we must do our best to publicize them to the insurance bank!

It is worth mentioning that since Zhou Tong, this kid entered the barracks, he finally had a bit of a soldier's breath!

And on weekdays, he is also under Geng Qing, and Geng Qing also intends to cultivate him, so basically he is entrusted to him to do something!

"Not only the dead, but also those who lack arms and legs!"

"Pay thirty taels a month, and if you lose an arm or leg in an accident, you can still pay fifty taels!"

Zhou Tong pulled his throat and worked hard to publicize it!

For a while, the common people began to stir!

The main thing is that the credibility of Han King Zhu Li is too high in Hanzhong Mansion, coupled with such a high compensation, it is inevitable that some people will be moved!

Inside the Han Dynasty.

"More?"

"Li'er, this personal accident insurance you got, is the money paid too"

"Aren't you afraid of losing money?"

Zhou Guifei also knew that Zhu Li had set up an insurance bank, and also made such a thing as personal accident insurance, and after learning such a high compensation amount, she was also shocked and hurriedly found Zhu Li.

"Mother concubine, don't be impatient!"

"The children know that they must lose money at the beginning, and only by losing money can the credibility of the insurance bank be enhanced!"

Zhu Li looked at Concubine Zhou, who was full of anxiety, and could only patiently explain.

"You know you're going to lose money, but you still want to do this? Do you have to spend money on credibility? "

When Concubine Zhou heard this, her face was even more surprised!

"That's right, it's spending money to buy credibility!"

"The mother concubine has not thought about it, there are indeed many people who died accidentally, but compared with the entire population of Hanzhong Mansion, and even the entire northwest, it is just a drop in the ocean!"

"As long as the people know that as long as you buy this insurance, after you have an accident, the insurance bank will definitely pay compensation, even if you have to pay at a loss, will the reputation of the insurance bank be improved?"

"At that time, will there be more and more people who are willing to insure themselves with this personal accident insurance?"

"Could it be that all insured people still want to have an accident?"

Zhu Li's explanation immediately made Concubine Zhou stunned on the spot!

After pondering what Zhu Li said, she immediately understood the strangeness of it!

The reason why she feels that she lost money is completely because the premium and the amount of compensation are too different!

But she didn't think about the question of the population base that she was willing to insure!

For example, as long as 10,000 people are insured, 300 taels of silver per month!

If a person dies will pay 100 taels, these 3,000 taels will pay thirty!

10,000 dead and 30 dead? That's an exaggeration!

Although the death of foreign caravans often happens, the number is always limited

More importantly, as long as there are no dead people, these thirty dollars a month is pure money!

So do you want to buy it next month?

That's thirty texts again!

In one year, it is three hundred and sixty words, and if you encounter a leap month year, it is three hundred and ninety words a year!

The kind of birth, old age, illness and death is not counted, only accidental death or disability, so how many people can there be every year?

As long as the number of insured people is large enough, the money earned...

Thinking of this, Concubine Zhou couldn't help but gasp, and her eyes when she looked at Zhu Li again were filled with incredible shock!

How did her son's brain grow?

Can you actually think of such a way to make money?

"The mother concubine is relieved now?"

"The children know that at the beginning, there were definitely not many ordinary people who came to insure, and most of them were running merchants!"

"Not to mention whether it will lose money, even if you have to lose some money at the beginning, the children also hope that if someone really has an accident, take the insurance policy to find the insurance bank to pay as many people as possible!"

"Because every time the compensation is paid, it is equivalent to advertising the insurance bank, and I believe that the people who are useful for insurance will only increase!"

"As long as the number of insured people reaches a certain level, there is no possibility of losing money, but it can make more money for children!"

Zhu Li knew that his wife was still very smart, and his own explanation must have made her figure it out!

"Then you have made so much money, and how are you going to use it?"

Concubine Zhou couldn't help but ask.

"Naturally, it is used for the development of Hanzhong Mansion!"

"Haven't the mother and concubine already seen everything that the children have done in the Hanzhong Mansion?"

"Children will not do loss-making transactions, and the purpose of children's business is also to make money!"

"But most of the money earned by the sons and daughters, to put it bluntly, is also given back to the people and to the Hanzhong Mansion!"

Zhu Li explained with a serious face.

"I'm sorry Li'er, Wei Niang should have more trust in you!"

When Concubine Zhou heard this, she realized that she had misunderstood Zhu Li, and it seemed that she was worried blindly!

"Mother and concubine are all for the good of their children, and children are not people who don't know how to be evil!"

Zhu Li smiled without mind.

"By the way, Li'er, your father's emperor has received news from the side, saying that it is the eighth day of the first month of October, and he will give you the marriage!"

"Your princess will leave for Hanzhong in the middle of this month!"

Concubine Zhou suddenly changed her tone at this time, mentioning that Xu Miaojin was coming to marry Hanzhong.

"It's not a few days since I said this, this matter still has to trouble the mother and concubine to worry about, the children have too many things to deal with now, I'm afraid they really can't be busy!"

Zhu Li was stunned again when he heard this, and then said with a bitter smile.

"Don't worry, the wedding matter will be handled by Wei Niang for you!"

Concubine Zhou immediately smiled and nodded.

The son is going to marry his daughter-in-law again, and the happiest thing is naturally her, the mother!

Princess Yang of Han died of illness, and the Han Mansion was finally about to welcome a new hostess

That evening, the number of people who came to apply for insurance on the first day of the opening of the insurance bank was counted!

There were a total of more than one hundred and a few people, ninety percent of whom were members of the caravan who were going to go out of customs

They are also the pillars of the family, after taking this insurance, you can hand over the policy to your family, in case something really happens one day, the family can at least take this insurance policy and get an objective compensation, enough for the family to continue living!

There are not many ordinary people who have been insured, because most of them are still in a wait-and-see state, and there are about ten of him who have been insured in a whole day...

To say that the low premium and high compensation amount of this personal accident insurance, everyone who sees it will be moved!

As long as you can afford to pay these tens of dollars every month, you are naturally willing to buy a guarantee for yourself!

Thirty dollars is not much for the current Hanzhong people, after all, today's Hanzhong people have a high employment rate, and they naturally have more money!

Even if it is not a high-risk occupation, even if you run to swim and accidentally drown!

So even ordinary people will be moved!

But after all, it is the first day, most of the people are still in a wait-and-see state, and they all want to wait to see if this insurance bank will really pay compensation according to the agreement!

Of course, these are also human nature!

The emergence of any new thing, if you want to be accepted by most people, it must take a certain amount of time and process!

On the first day, it was possible to reach more than 100 people to apply for insurance, which was a bit of a surprise for Zhu Li!

He believes that every day after that, only more people will come to insure until the entire market reaches saturation!

As long as this personal accident insurance can be implemented stably for a long time and can be deeply rooted in the hearts of the people, Zhu Li can consider continuing to launch the next insurance.

This industry is sure to attract money, but it does bring security to the people!

To earn this money, Zhu Li will not feel a loss!

What's more, even if it is the money earned, he is also taken from the people to the people, everything is for the Hanzhong Mansion to develop better!

In the next few days, as Zhu Li expected, more and more people came to invest in accident insurance!

One hundred and fifty people on the second day, and two hundred directly broke on the third day!

Under the follow-up effect, more and more people will naturally come to insure!

At the same time, Hanzhong Mansion engaged in such a personal accident, which directly shook the entire Great Northwest, and everyone was sensational for a while!

Most people think that Han King Zhu Li must be crazy, and he would actually make such a thing, do they really think that they have too much money and have nowhere to spend?

A few days later, the news reached Beiping Province directly!

"What? Lao Jiu engaged in personal accident insurance, paid dozens of dollars a month, and died in an accident, he could pay hundreds of taels? "

"Is Lao Jiu crazy? Just tell King Ben that he has no money to lend King Ben? "

When Zhu Di heard the news, his whole body was about to numb!

When he asked Zhu Li to borrow money before, what did the kid say?

The landlord's family has no food left!

Good guy, if you lend him money together, you have no money, and you have to dig out your mind to give money to others, right?

"No, I still have to discuss with the monk!"

After thinking for a long time, Zhu Di still decided to go to Qingshou Temple again and find Yao Guangxiao to help him analyze and analyze!

He always felt that Lao Jiu should not be the kind of person who did loss-making business!

Soon, Zhu Di came to Qingshou Temple again.

When he said what kind of personal accident insurance Zhu Li had made, paying dozens of dollars every month, he could pay up to a few hundred taels, but Yao Guangxiao stared at him with a strange look!

"What are you doing looking at King Ben like this?"

"King Ben is asking you, is Lao Jiu's brain rusty? This kind of loss-making transaction actually has to be done! "

Sensing that Yao Guangxiao's eyes were not quite right, Zhu Di immediately frowned and asked a little depressed.

"Then His Highness thinks that His Royal Highness King Han really has a rusty brain?"

Yao Guangxiao asked rhetorically.

"Isn't this brain rust?"

"King Ben can't figure it out, can this transaction make money without losing money?"

Zhu Di snorted coldly in disbelief.

"Your Highness is wrong again this time! King Han's move was very clever, which really made the monk have to admire his brain! "

When Yao Guangxiao heard this, he shook his head and reminded.

"What do you mean?"

When Zhu Di heard this, he directly rounded his eyes!

Brilliant?

Why didn't he see where Gao Ming was?

"Does His Highness think that if you pay dozens of letters, you will lose hundreds of taels, and King Zhu Li of Han will lose money in this business?"

"Then have you thought about how many people can really find Han King Zhu Biao to pay?"

"Or does His Highness think that everyone who is insured will definitely go to pay compensation?"

"This personal accident insurance, to put it bluntly, is a kind of protection, and it will be paid when there is an accident!"

"If accidents happen often, they are not accidents!"

"It can be said that King Han is very smart, and others may say that King Han is a fool, but only smart people know how smart Han Press's insurance bank is!"

Yao Guangxiao said slowly, and his eyes became more and more strange when he looked at Zhu Di

"You mean King Ben is a fool?"

While Zhu Di was shocked in his heart, he also immediately understood what was going on with Yao Guangxiao's eyes!

From the very beginning, this old monk looked at himself as a fool?!