Yes, but not necessarily suitable for self-protection. These are two concepts.
Secondly, this is a dividend insurance product.
For insurance companies, dividends are dispensable, and there is obvious uncertainty according to their annual profitability.
If the content of the contract is not clear about how much to charge, the insurance company will become an empty "check" just by saying "how high" with one mouth.
Third, the order of buying insurance is: first, we must guarantee products, including 1, consumer (accident insurance, term life insurance, etc. ); 2, cumulative (whole life insurance, endowment assurance, etc. ). Then there is medical insurance (general medical care, critical illness medical insurance, etc. ), pension insurance, children's education fund, dividend-paying product investment, etc.
At the same time, the family purchase order is: 1, the economic pillar; 2. Your lover; 3. Family members without economic income, such as children and the elderly.
Also, the principle of buying insurance is to give priority to social security, supplemented by appropriate commercial insurance.
For example, first buy social security introduced by the state (it is best to buy it by a company), such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou, and then consider commercial insurance as a supplement.
For each of us, we should focus on medical care and health insurance. In other words, medical insurance and security products are the main products, and then the combination of endowment insurance, children's education fund and dividend-paying investment products is considered.