Sunshine Insurance Group Co., Ltd. Jin Taifu whole life insurance (Universal)?

First of all, there are savings insurance and consumer insurance! Universal insurance is consumer-oriented, which means that time passes slowly and the money you pay is gradually less! If the payment period stipulated in the insurance clause is 10 year, the salesman tells you that it is ok to pay for 3-5 years, and the later premium is deducted from the principal you paid for 3-5 years. When your principal is deducted, the insurance will be suspended. If you want to continue to be guaranteed, you have to pay it again, or it will be terminated! The above is not only the shortcomings of universal insurance, but also its advantages! If it is other savings insurance, it should be paid all the time during the payment period, but the money you get from the insurance company will not be less than the principal! In the short term, universal insurance can give you some protection if you don't fulfill your payment obligations in the short term, but in the long run, it is not cost-effective, and with the growth of age, you will deduct the risk money from your principal. If the salesman didn't tell you this thoroughly, the universal insurance would be very chaotic! However, the essence of insurance is protection, so there is no best insurance, only the most suitable insurance! If your dad doesn't have any insurance, it's all right to buy any insurance! So whether this insurance is suitable or not depends on your long-term consideration, which should be short-term consideration! I personally recommend you 1 to know about Xinhua's products. My whole family bought Xinhua's products. Their products are very good!