It is not that this product is not good, but that it is not suitable for you.

First of all, it focuses on pension dividends. You are only 26 years old. If you really consider providing for the aged, it means that you are really "planning ahead" and thinking too long.

You have to remember that you can only get a pension when you retire at the age of 60, which means that you have invested more than 80 thousand yuan in Ping An Company for decades. Speaking of which, you must object. You said that you can take out the bonus next year. Please read the contract carefully. The way to receive bonuses can only be cumulative bonuses, which means you can't receive them every year. You can only get it at the age of 60 or 80. People who buy insurance are advised to read the contract carefully.

You said that the money you got back was five or six times more than the money you paid, but think about it, these five or six times have been separated for more than 50 years. Do you think that 1000 yuan today must be more than 10 years ago?

If you want to buy it for your parents, this product is good. Personal advice.

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