1. Prudential's insurance is very good, especially the investment-linked insurance, which perfectly combines insurance with China's economy, enabling both protection and investment, and minimizing risks. You can check the investment income of Prudential on its official website. I looked at the reports published from 21 to 29, with an average annual income of 13%; Of course, this figure must be based on long-term holding, at least 1 years. So, your agent told you that 1 years is ok. Of course, the longer the time, the better your income will be. After all, compared with traditional funds and stocks, investment-linked insurance is a financial management tool that can be held for a long time, not just a product.
from this point of view, this insurance cannot be refunded!
2. Regarding the responsibility of guarantee, I think you can communicate with your agent again. Prudential's comprehensive protection can't be compared with other insurance companies. There are only three exemption clauses in life insurance. What do you think of the protection of companies that pay for drunk driving, driving without a license, war and riots? This is a company that settled the Titanic, World War I, World War II and Princess Diana, and their protection is by far the most extensive in China.
from this point of view, this insurance cannot be refunded!
3. With regard to the amount of insurance, one of the advantages of investment-linked company is that it can change the amount of insurance. For example, a 3-year-old man is very concerned about the issue of insurance. If he pays 515 yuan a month, he can get the highest amount of insurance: 3, yuan for life insurance and 3, yuan for serious illness. No other product can achieve such a high amount of insurance. However, if the customer does not ask for the guarantee responsibility, but only pays attention to the investment and financial management function of investment-linked insurance, the guarantee amount can be completely reduced to the minimum and the maximum benefit can be achieved. If you are not satisfied with the current guarantee, you can re-communicate with your agent, adjust your plan, or supplement it with other products of Xincheng.
from this point of view, this insurance cannot be refunded!