Basically, you can break even after 10 years. But if you are old, it's hard to say. Because with the growth of age, the security expenses that need to be deducted will increase, and the payment of this paragraph is unrestricted.

The universal insurance of Zhisheng Life Insurance does not stipulate the specific payment period of customers, which is one of the biggest characteristics of universal insurance and is very humanized. After 20 years of payment, the guarantee is still there, and the value in the policy account is also accumulated with compound interest on a monthly basis. If your insurance amount is not particularly high, the value of the account will increase steadily. If you have the ability, I suggest you insist on paying, so that the cost and investment income can be used as your pension fund. You can consult the local Ping An salesman for details.

Zhisheng Life Insurance is a universal insurance that sells well in Ping An. Although this insurance has been discontinued, it is still quite talked about on the Internet. Next, I'll tell you about this product. The product forms of Zhisheng Life Insurance are universal life insurance+additional critical illness insurance, one-year accidental medical treatment, accidental injury insurance and lifelong hospitalization.

The main insurance content of Ping An Zhisheng Life Insurance: The main feature is to provide you with a universal account, and the insurance company will give you a certain interest rate. The interest amount is unstable, but 1.75% is guaranteed. What concept? The current interest rate of Yu 'ebao is around 2.0%.

Moreover, not all the premiums you pay can increase with compound interest. Only after deducting the upfront expenses and guarantee costs can compound interest increase.

Although its critical illness insurance covers 25 kinds of diseases stipulated by the state, the protection is not so good, and it only pays once, and there is no protection for minor illnesses. The focus is still on the early payment of critical illness insurance. In case of serious illness loss, the corresponding amount will be deducted from the total insured amount. If you have a total insurance coverage of 200,000, you are unfortunately seriously ill and lose 654.38+million, leaving only 654.38+million life insurance coverage.

What's even more incredible is that in accident insurance, only accidents that happen when you take public transport are counted as traffic accident insurance. I'm sorry if you drive a car in an accident, but the insurance company won't pay for it.