Hello! Is it necessary to make Xinhua products? Insurance companies are neither good nor bad. The key is whether the insurance policy designed according to your needs can meet your requirements. There are many types of insurance in the market, such as education fund and critical illness insurance. You should know more about them, don't believe what the salesman said, and pay attention to the actual plan. In addition, dividends are uncertain. It's just that the insurance company predicts the dividend plan for the next year according to the profit of the previous year.