The reasons are as follows: First, the defect of the guarantee function: its insurance responsibility is to return the paid premium in full after death, and the guarantee function is extremely limited. Your own insurance is not as good as universal insurance in this respect.
Second, dividends and returns on survival funds: If there are no other better investment channels, this interest is still good. But you're only 28 this year. Are you sure you want to give up the original capital of at least 1.5 million yuan to invest in these interests? If you pay attention to income, investment-linked insurance is more suitable for your age.
Suggestion: If you pay attention to income, you can choose investment-linked insurance. Although the advantages of investment-linked insurance are not obvious in the past two years because of the economic environment, insurance is a medium-and long-term investment, and the long-term benefits of investment-linked insurance are objective, and it is also the first choice for young people to manage their finances. At the same time, we can pay due attention to universal insurance, because its policy terms are loose, the price is relatively low, and the guaranteed income is high, which is very suitable for young people as the first policy in life. As for today, its role mainly lies in inheritance arrangement, tax evasion and capital preservation, which is generally loved by mature insurance customers.