Is it a scam to take a life safely? First, let's take a look at this product. Product details are as follows:
So, is it a liar who wins his life safely? Generally speaking, the listing of insurance products should be strictly examined by the China Insurance Regulatory Commission, and there will be no problem. However, it should be noted that the main function of insurance is protection, but Win Life is a financial insurance, and its main function is financial management.
Insurance financing mainly depends on the guaranteed expected annualized rate of return of the contract and the expected annualized rate of return of the current period announced by the insurance company once a month. Combined with its value-added functions, such as fixed return, these are certain. The so-called dividend depends on the overall expected annualized expected income ability of insurance companies, which is uncertain. If you want to get some expected annualized expected income through this product, it is still feasible. In terms of protection, only death protection and nursing protection can be provided.
Financial insurance can't provide high unexpected value and reimbursement for critical illness medical care, just as critical illness insurance can't be used to supplement old-age care. Different insurance has different functions. Insurance is an actuarial product. "You get what you pay for" is the best way to describe insurance. Insurance won't deceive people, but you must buy yourself the right insurance, or you will lose more than you gain.