How about the Taikang Xiangyun Kangshun protection plan sold by Taikang Life Insurance Telephone for ten or twenty years?

Short payment time and long guarantee time. It's actually quite good. Return with fixed income after maturity. In fact, Taikang's income is still leading in the industry. I think it will be just right after 20 years. It didn't return until it was 70 or 80 years old in the market, and the RMB had already depreciated. After 20 years, it is a good choice to repay the mortgage or provide for the aged. There is nothing wrong with saving money. I have already bought it.