Hello! Liar! The role of insurance is always protection first. Focusing on returns is a misunderstanding. Moreover, insurance has fewer channels for using funds (state supervision is very strict), and short-term investment returns will not be high. Its advantages are stability and financial security. , long-term benefits are considerable (at least 20 years or more)!

So, the most important thing when buying insurance is to look at the protection!

Or if you are an entrepreneur with a considerable net worth and diversify your investments, life insurance and health insurance can be treated as your personal property and separated from the company's corporate property. If you are willing to take the initiative to surrender the insurance policy and withdraw cash to pay off debts The law does not prohibit it, because individuals have the right to dispose of their own property, but if they are unwilling, the court cannot enforce this part of the life insurance during the litigation process.

However, there is still controversy about some investment insurance policies, which tend to be enforceable.