Whether insurance is reliable or not depends on why you buy it. If you invest in financial management, please see the benefits clearly. The country is not allowed to write such words as guarantee. If you want to get protection, you can consider directly choosing bank insurance or regular financial insurance. Want to earn more, the insurance income is not high. It is suggested to exchange stocks or fund futures and other formal channels.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.