My main interests are:

Annuity return

The payment period, starting from the second year, will receive the payment reward: 2% of the basic insurance amount.

Receive 50% of the basic insurance amount (special insurance money) every 5 years.

Before the age of 60, you will receive 10% insurance coverage every year.

After the age of 60, I will receive 20% of the insured amount every year and guarantee for 20 years).

Dividend: Dividend according to the company's income every year. Uncertain dividend

The above two sums of money can be transferred to the universal account for appreciation.

If you want to ask when to take it, as long as you start to return it, you can take it at any time and take as much as you want.

If it is the money to be used in 10, it is recommended not to buy insurance. Dividend annuity insurance is more suitable for long-term planning.

It is recommended to consider preparing insurance for yourself and your family first. Without security, talking about financial management is nonsense.