Ping An Li Hong is a life insurance that is returned once every three years. First of all, you should think clearly about the meaning, planning and use of the money you have returned in three years. If you don't think it over, don't participate. This is the main premium for this kind of insurance. Don't simply calculate how much you have returned for life, because neither you nor I can calculate the time cost (but the actuary of the insurance company has this).
Finally, I would like to remind you that before buying insurance, you must be clear about the purpose of buying insurance, stick to the initial requirements (the initial ones are often the most real), and don't be confused by some insurance interests.