Take 60,000 yuan as an example. After paying 10 years, it will be 1800 every two years, which is equivalent to someone holding you 60,000 yuan and giving you 900 yuan interest for one year. The average bank's personal loan interest is close to more than 6 miles and 3,000 yuan. It is impossible to get a loan with such a low loan. However, Ping An will give you such a low interest rate in 900 yuan, and it will take the risk that if you die, you will want double indemnity. If you don't have that much spare money, don't buy it. If I surrender my insurance to you, there is a cash value table on your policy, which is clearly written. Generally, you will lose money after surrendering your insurance for nearly ten years, and it will almost be retired in more than twenty years. It will be decades later. There is still 60,000 yuan due in 75 years, which basically adds up to 1.2 million yuan, but it ignores a very big problem, that is, prices change every year. In 75, who knows what 60,000 yuan will do at that time → _→, maybe I can buy some apples. My suggestion is that ordinary people should not buy it.