I took out a new life 12 policy at the age of 33 this year, covering 30 years, including 2030 main insurance, 740 additional long-term insurance and 40 additional one-year short-term insurance.

Brother Bao said insurance, focusing on insurance evaluation! Still struggling to find cost-effective life insurance products? I'm sorry if I didn't show it to everyone. Top ten insurance companies selling life insurance in 2020!

Whether it is suitable or not depends on your security needs, risk possibility, budget and so on. This product has been upgraded to 17 version, which is not particularly different from the previous version. Let me give you a brief introduction.

The main insurance for Ping 'an freshmen is dividend-paying whole life insurance, which is paid to the critical illness insurance in advance. Tell a joke, is it very similar to the shampoo products introduced in the early years? Anyone who knows a little about shampoo should know that shampoo is alkaline and conditioner is acidic. When the two are rubbed together, they will explode, and many users will like them.

The question is, is this product worth buying? Then let's take a look. I made a list. Let's take a look first:

See what are the advantages:

1. A well-known brand: China Ping An is one of the best companies in the insurance industry, and few people don't know it.

Let's talk about shortcomings first:

1. Does not include the protection of mild and moderate diseases: although 80 diseases are protected for severe diseases, even moderate and mild diseases are not guaranteed.

2.*** Coverage: The death and serious illness insurance of this product is covered by * * * *. If you suffer from a serious illness during the period, you will get compensation for the serious illness, but this means that your death is not guaranteed.

3. The income fluctuates greatly. Dividend? The cash value and dividend value are not fixed, but calculated according to the performance of the insurance company in that year. The income share is uncertain, with or without, more or less.

4. Expensive premium. The 30-year-old male is insured for 500,000 yuan, and the annual premium is about 1.4 million. And the security and income are not good, the money is not worth spending!

I won't elaborate on this product one by one. Click on the blue word to view the full version of the analysis: The following is a thoroughly analyzed article, which is recommended for everyone to see:

In a word, I still advise you not to buy this dividend insurance product easily. Why? Poke the blue word to see the answer: