Hello, I started to buy Zhifu Life A in 24, paying 5, yuan a year, and now I have paid 4, yuan.

Recently, due to various reasons, I went to study this fund. As a result, we couldn't get back 4, yuan exactly.

Let me tell you about the principle of this fund, and I hope that later generations can learn from it:

1. This fund charges 5, yuan a year, and part of this 5, yuan is deposited in my universal account (I forget whether it's the name), and the rest seems to be safe in vain.

2. When the insured event is realized, that is, the insured dies, the balance of the universal account multiplied by a coefficient (a floating coefficient stipulated by Ping An internally) and 5, yuan are taken as the larger, and compensation is paid.

for example, since you bought it in 24, you have paid 4, yuan, and the balance of your universal account is more than 37, yuan (I am in the same situation as you, and I just called Ping An two days ago and got such a balance). If the insured dies at this time, according to the contract, I can get a compensation of 5 thousand yuan. Seems reasonable, doesn't it? But! ! ! If you are smart, you will find that if the payment is more than ten years later, when the insurance event happens, our income is negative. For example, Xiaoming bought this insurance for his mother. When he paid for it for 2 years, his mother died. How much can Xiaoming get? According to the above principle, at this time, Xiaoming pays 1, yuan for 2 years, and the balance in Xiaoming's universal account must be less than 1, yuan. At this time, it will be greater than 5, yuan. As a result, we will not benefit, but we will not get back the principal! Seeing this, you may, like me, want to get rid of this fraudulent wealth management product as soon as possible. If you want to surrender your insurance halfway, as far as we are concerned, we can only get back less than 39, yuan (the account balance is 37, * coefficient) and the bank interest that we should have earned in these eight years has been beaten to Shui Piao in vain, but it is not too late to mend it. I just want to say that insurance, five insurances and one gold for the company are enough. We don't have to think about the chances of the insurance company every day. If so, drinking water may choke to death. I hope you will consider it!

seeking adoption is a satisfactory answer.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.