In fact, in this case, you don't know about this product.
First of all, life insurance can never be compared with implicit savings, because banks can put it forward at any time, but life insurance can't. Life insurance is guaranteed, but bank savings are not.
Secondly: If you don't think it is necessary to keep the insurance premium so high, you can reduce the insurance premium, so that the deducted insurance premium will be effective.
Third: this product has the advantages of variable insurance coverage, variable compensation and even suspension of delivery. This product usually comes with critical illness insurance.
Fourth: For example, if you feel burdened now, you can apply to stop paying. If you feel that the cost of protection is high, you can reduce the insured amount. If the money in the account is not enough to deduct the guarantee fee, it will automatically stop.
In fact, it can be understood that you will have a balance of money every year. If you buy a smart life, you will enjoy interest. The settlement interest rate of insurance is generally higher than the bank's three-year income, and you will enjoy protection. According to your insurance coverage, if you die or get seriously ill during this period, you can get compensation from the insurance company.
Therefore, in order to fully enjoy the effect of compound interest, this product should be invested every year and for a long time. People like you who only deposit 50,000 yuan in insurance are not suitable for this product, so leave it alone.
Your agent obviously didn't explain clearly, and suggested complaining to the insurance company, but it generally didn't work.
The essence of insurance is protection. If you want to invest, buy your own stock fund.
If you surrender your insurance, you will lose for nothing. There is nothing wrong with the product. I suggest sticking to it. In fact, the older the father is, the greater the risk of death and illness, and the more he needs to persist.
If you need to complain about the agent or inquire about related issues, you can call the national customer service hotline of China Ping An Life Insurance Company of China Insurance Company at any time at 955 1 1- 1.