If the interest rate is only 1.75%, even the one-year fixed deposit period of the bank is not comparable. At present, the bank's interest rate is 0.5%, 3.5% for one year and 4.4% for two years. Five percent in three years. Five years, 5.5%. Moreover, the insurance company will deduct the guarantee fee, initial fee and so on. From the money you have saved, and there is only a part left, the interest rate is also calculated according to the rest. Ping An's interest rate will generally be above the mid-range. There is definitely no big return! Buying insurance is mainly based on protection!