As we don't know the information such as age and planned coverage, we take a 30-year-old male with an annual premium of 20,000 and a ten-year payment as an example, and plan through a newly added whole life insurance, and determine that the annual compound interest will increase by 3.5% as a reference.
After the accumulation of 10 years, the total premium is 200,000. Starting from 6 1 year old, you can receive 20,000 yuan a year (the time and amount of collection can be set by yourself), and you can receive 600,000 yuan of pension when you are 90 years old. There is still 240,000 yuan left in your account, so you can continue to receive it, take it out this time or pass it on as wealth.