This insurance involves more cheating and cheating, which makes people more sad and unreliable. Therefore, when purchasing critical illness insurance, you'd better consult a doctor to see how far your expectation is from the promise of the insurance company. It's not so much critical illness insurance as "181 glasses of palace banquet wine." It's better to say, "In fact, it's the boiling water mixed with Erguotou." Zhao Benshan > This is a lie.
As long as you want to take money from the insurance, you will be calculated by the insurance in the end! Why do insurance companies hire a large number of actuaries? Is to calculate the customer's money, they figured out that "money insurance companies also said: insurance companies are not charities, they also want to make money, not to sponsor you", and the remaining money (the so-called cash value) is your money! Whether it's 30 years or 40 years, after deducting the money earned by the insurance company, the rest (cash value) is your money! Remember, buying insurance means spending money for unpredictable risks in the future, but not making money, remember! Remember!
The daily meeting of the insurance company (the so-called morning meeting of the insurance company) is to talk about some ways to fool people, that is, to talk about this dividend for decades and that dividend for decades. Alas, you are jealous when you look at a lot of figures. In fact, understanding insurance is very simple, that is, look at your "guarantee" when you are in danger, and look at the "cash value" of your policy when you are not in danger. No matter how many years, because life insurance is life insurance, you can see the surrender (that is, the cash value given to you), so if you understand these two figures, you will not be fooled by selling insurance, he said.
Insurance only talks about cash value, not about principal and dividends, and there is a cash value table on that cash value insurance contract, and you will understand how much it is for many years. That sum of money is far less than the principal, whether it is withdrawing money, surrendering or so-called pension conversion, it depends on the cash value table. The insurance salesman didn't explain the cash value of the insurance policy to you. The customer didn't buy it after that. After several years of insurance, it is a loss to withdraw money. In fact, even if you take the principal for several years, the currency depreciation of your principal will lose a lot. Remember later! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and national debt (not a good choice). So dividend insurance is to cheat customers' money in the name of insurance.