How about China Life Dividend Insurance?

Consultation content: Is the dividend insurance of Huaxia Life Insurance good? I bought a financial dividend insurance in the bank, saying that this product has higher interest than the bank, and the emergency money can also be withdrawn for two years. According to the staff, the dividends of Huaxia in previous years were very high. I want to ask if this is the case. In addition, if you want to withdraw your money after two years, can it be the same as the bank interest? Consultation netizen: perfume lily (Nanyang) expert answer: Nanyang PICC Life Insurance Zhou Wei's five-year bancassurance product will lose a little money if its principal is taken out in two years, and earn a little interest if it is taken out in three years. At the end of five years, the interest rate may be slightly higher than that of banks. Because it still has a five-year warranty. So unlike a simple bank deposit, don't withdraw it for two years. If you are in a hurry, you can use the available policy loan (80% of the cash value of the policy is lower than that of the bank), and the half-year period will not affect your dividend. Liu of Shenyang Taiping Life Insurance first looks at how long the guarantee period of your contract is, but generally this product is medium and long term, so if you take it within two years, it will be harmful to the principal. If you take urgent money within two years, it means a policy loan. At present, the policy loan is 80% of the cash value of the policy, and there will be loan interest (interest is lower than that of the bank). Paying off within a time limit does not affect the effectiveness of the policy. Suzhou AIA Li Yan