1, the guarantee is single, only for serious diseases, and only for 16 years, and the guarantee is not high.
2, the capital has no interest, and the principal will definitely shrink (not to mention dividends). Not only will there be no interest, but the principal will also be lost. You will know when you surrender.
3, the so-called dividends are very few, especially in the first two years. After a few years, I still don't know if there will be any dividends, because they will get more dividends if they have more profits, and they will definitely get less or no dividends if they have less profits.
4. Money can't be used, which means 16 can't be moved, otherwise it's surrender. Why not buy some other life insurance (such as universal insurance, which can be taken out at any time) .....