2. Zhiduoxing, with an annual payment of 4,000 yuan, is a universal insurance investment and insurance specially designed for children, taking into account life insurance and serious illness, which is equivalent to accumulating education funds for children. The premium can be deferred after 10 policy year. During this 10 policy year, the funds in the wealth management account can be withdrawn, and the cash value inside can be taken out for children to go to school. You can put it in if you don't need it. Anyone who is born more than 28 days and discharged from hospital can be insured. 4000 is just the beginning, and the premium can be added. Of course, according to your own economic strength, the more you add, the higher the cash value.

If you buy the main insurance, you must remember to buy additional insurance (accident and hospitalization). Additional risks are entirely for consumers and are not included in the cash value. With additional insurance, you can insure against accidental injuries and hospitalization expenses.

4. The interest rate of universal insurance has three grades, low grade, middle grade and high grade. The low-grade is the guaranteed interest rate 1.75%, which is the lowest interest given to you by the insurance company, and the middle-grade is the income close to the actual interest rate (the actual interest rate is generally lower than the middle-grade and closer to the income). High-end products can only be achieved if the investment environment is particularly good. The minimum guarantee is the promise to you. The middle and high grade is expected, not a promise to you, but the investment interest rate is generally stable, but lower than the middle grade interest rate.