However, if you are older, it is hard to say, because with the increase of age, the security expenses that need to be deducted will increase, and the payment of this model is not limited. I have analyzed the following details.

Universal insurance is a kind of insurance that integrates investment income, death protection and major illness protection, and one policy has multiple guarantees. This kind of insurance is often recommended by offline companies, which is called win-win insurance for investment protection. Even some big companies with first-line brands are recommending it, such as Ping An. _ There are many products in Jeannot, such as Wisdom Star, Wisdom Star, Wisdom Star Life, Wisdom Star Life and so on. Security content and financial management seem to be quite good. Is it really so comprehensive that you will know after reading it?

Because there are many products of Ping An, I won't analyze them one by one here. It is better to analyze the "outsmart life" they bought.

Let's take a look at its financial management function.

The main insurance of this insurance is Universal whole life insurance, which is mainly to configure universal account for you, that is, after deducting your initial cost and guarantee cost, interest will be calculated. The specific interest rate you can get is uncertain. The insurance company will give you 1.75% guaranteed interest. What concept? The current interest rate of Yu 'ebao is around 2.0%.

Serious illness is not guaranteed. For example, if you have chronic renal insufficiency, the insurance company will not pay a penny until you become end-stage renal disease. General critical illness insurance includes minor illness protection.

However, the water of universal insurance is actually very deep, and it is still not recommended that you buy universal insurance. The protection of universal insurance is very limited. So I suggest you honestly buy critical illness insurance, life insurance and so on. This is specifically for a safer reverse insurance.