Most of this insurance is sold in the bank, and your mother may have been tricked into saving money in the bank. There is nothing wrong with the insurance itself. This is legal. The common problem of this kind of insurance is low yield, after all, banks have to plan; If the insurance security expires, it is definitely not cost-effective, unless there is accidental compensation stipulated in the insurance, which is the so-called safeguard responsibility. Think about what 100 yuan can buy 20 years ago and what 100 yuan can buy now, and you will know that the speed of currency depreciation is amazing. As far as buying insurance is concerned, we should pay more attention to protective insurance than this kind of investment insurance. In addition to dividend insurance, other types of investment insurance are inherently inadequate in investment. After all, insurance is insurance, first of all, security, and then talk about income. Generally speaking, if you want to invest, don't buy insurance, choose bonds, funds, stocks, real estate, futures and so on.