Dividend is not to help you make money, but to help you resist inflation. Simply put, they are to help your policy maintain its value. The longer the time, the stronger the preservation.

The only thing I want to make a lot of money from insurance is to be hit by a car immediately after underwriting, so that my family can get a lot of money, but this is not what people expect;

After a long time, the rate of return will be higher than that of banks, but it will not be too high. After all, you didn't take any risks. If you want high returns, go to the securities market and futures market, but the risks are also great;

There is nothing good or wrong with this product. It's just an ordinary savings product portfolio. If you have some money and nowhere to go, and want to find a safer way to manage your money, you can consider it. Conversely, if you want to pay back more than 10% every year, or if you want to buy a house and a car soon, take it somewhere else.

6. If it takes a long time, it will not lose money, but it will lose a lot in the short term.

7. Ask again if you don't understand.