If this type of insurance has major illness protection, it will receive an annuity every two years and pay dividends every year. After five years of payment, you don't need to pay the annuity and dividends until you are 74 years old (also 10 year), and you can pay the premiums paid at that time in full at the age of 75 (which can be used for old-age care).
There are two additional risks attached to this type of insurance ~ one is that the critical illness insurance is paid in advance by China Life Plus Fulu Double Happiness, and the other is critical illness insurance (a), and the additional premium of China Life is exempted ~ That is to say, if you only buy the main insurance of China Life Plus Fulu Double Happiness, there will be no critical illness insurance, only pure income (annuity and dividend). If you buy two additional insurances, you will have major illness protection.
When it comes to time deposits, it is just to deposit money in the bank. It is quite safe to buy insurance. Which do you think is better? Heh ~ ~