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Chapter 372 Why does he call you Brother Xu?

"Mr. Zhao, if we pay for insurance this way, the annual premium should be very expensive, right?"

Zhao Xuan smiled and said, "Yes, Shi Shi's family does have to pay a high insurance premium every year. But it's okay. After all, buying insurance is buying peace of mind. Moreover, many artworks have their own insurance. Generally speaking, it is included in your original auction price, so there is no need to purchase additional insurance."

Zheng Yue asked again: "If something is really damaged and the insurance company pays the money, will their insurance premiums increase in the second year?"

Zhao Xuan shook her head.

"No, generally speaking, as long as you don't intentionally damage something frequently, the insurance company won't raise your premiums. There are many insurance companies, and everyone wants to make money from you. If you raise your premiums, I'll switch."

After hearing what Zhao Xuan said, the netizens in the live broadcast room were immediately defeated.

"No, why should I do that? I buy insurance for my car, and every time there is an accident, the premium goes up in the second year. Why don't the premiums for rich people go up when their things break down? Isn't this a form of discrimination?"

"Brother, let's say there is a possibility that the insurance premiums they pay are relatively high. This is just like when you buy insurance for your own car. You buy the cheapest insurance and only pay a little over a thousand a year, but in the end, every time there is an accident, it costs several thousand. The insurance company is not stupid. It is already a charity to let you continue to buy insurance. What's wrong with raising your insurance premium a little?"

"Hahaha, that's too true. I'm in the insurance business, so let me tell you this. In fact, making money in insurance is all about probability. Rich people really pay a lot of insurance premiums every year. Although it would cost a lot of money if you went to their homes and something happened, it's a low-probability event. If you have artwork or a leather sofa at home, would you be willing to destroy it? So as long as you sell enough high-value insurance, you're actually a sure bet. The increase in premiums is meaningless and can easily cause resentment among rich people."

"I'm also in the insurance business, so let me put it this way. This is actually a math problem. People like you who are only willing to spend one or two thousand dollars a year on insurance are not considered our big customers, and the insurance you can choose is also limited, so we will naturally raise the premiums if we can, and make as much money as we can. But the insurance for those rich people is different. There are many insurance companies willing to guarantee them, and the competition is fierce."

After reading the comments from netizens, Zheng Yue suddenly felt terrible.

It turns out that insurance companies just bully the weak.

Everyone knows that working people don’t have much money, and buying insurance is something they have to do out of necessity and have no choice.

As a result, these insurance companies still find ways to make money from workers.

On the contrary, rich people can afford the losses whether they buy these insurances or not. However, those insurance companies have lost all their dignity in order to make a little money. They are actively offering their services and competing with each other!
Zheng Yue couldn't help but say, "No wonder insurance salespeople have such a bad reputation. They simply despise the poor and love the rich, and look down on the poor!"

Xu Wen, who was sitting in the passenger seat, was immediately delighted.

"What you said is true for business. Of course, business people prefer the rich to the poor. Do you know why? Because being poor means high risk, and being rich means low risk."

"It's just like taking out a loan. Banks simply won't lend money to poor people who really need money, because they think those people have limited repayment capacity and there's a high chance that they won't get their money back."

"On the contrary, banks like to lend money to wealthy people who don't lack money at all, and the interest rate for each loan is relatively low. This is because these people have money, and even if they don't have money, they have assets to mortgage. Banks think there is a high probability that they can recover the money, so they are willing to do so."

"So apart from some special loan projects stipulated by the state, the principle followed by the bank's credit department has always been to add icing on the cake, rather than to provide timely assistance."

After hearing what Xu Wen said, Zheng Yue suddenly understood.

No wonder people say businessmen are profit-driven, now it seems to be true!
As they were talking, the car had already arrived at the destination. The driver got out of the car and opened the door for them. Then he said to Xu Wen respectfully, "Mr. Xu, we will be waiting for you nearby. If you need a car, just give us a call and we will come right away."

Xu Wen nodded.

"Okay, thank you for your hard work."

Only after the drivers drove away did Tan Zhuo and the others look up.

"Yipin Fresh Fish Restaurant? That's a good name, but I wonder if the fish here is really that delicious."

Hearing Sun Ya say this, Xu Wen said with some pride: "It's a good name, right? I gave it to you."

"Look at these words on this plaque. They were also written by me."

When they heard what Xu Wen said, the girls showed expressions of disbelief on their faces.

"Is this your handwriting? Can you also write calligraphy?"

It's no wonder that the girls were so surprised. The words on the plaque didn't look like Xu Wen's handwriting at all.

The characters look smooth, vigorous and powerful, and are obviously the work of a great calligrapher. Yet Xu Wen actually said that he wrote them.

The girls thought he was just bragging, but at this moment, a middle-aged man and several employees came out quickly.

"Oh, Brother Xu, you're really here! Please come in, please come in, I've prepared a private room for you, I'm so happy you're here!"

As soon as the middle-aged man came out, the netizens in the live broadcast room were immediately excited.

"Isn't this Mr. Zheng Tianyuan? He's actually called Brother Xu Gou?"

"I must be still asleep. This restaurant belongs to Teacher Zheng Tianyuan, and he is so enthusiastic about Xu Gou? It's unreasonable. This is totally unreasonable!"

"Who is this Zheng Tianyuan you are talking about? Is he famous?"

"Brother, don't you know Mr. Zheng Tianyuan? He is a legendary fishing master who won a gold medal in an overseas competition! Mr. Zheng Tianyuan's fishing tackle shop is very famous throughout the country. Not only is the quality good, but the price is also cheap. However, I didn't know that Mr. Zheng Tianyuan actually opened a restaurant. I must go and eat there when I have time."

Zheng Tianyuan is very famous. Not only netizens know him, but Sun Ya and others also recognized him at the first opportunity.

What they didn’t expect was that the famous Zheng Tianyuan would be so polite to Xu Wen and even call him Brother Xu?
This is too magical. How could Xu Wen be so worthy that Zheng Tianyuan could call him brother!
(End of this chapter)