Kangtai insurance company often calls.

Calling you is to fool you into buying insurance, just ignore him! 1, how many people can understand an insurance contract? Many people have bought insurance for several years and haven't read the contract yet. When something went wrong, the insurance company ignored the compensation and realized that the insurance was a bluff! Insurance companies value this, it's a fool! In the salesman's dictionary, there is no "fraud", only "misleading". At present, there are more than 2 million insurance practitioners in China, and10 million of them used to be salesmen of insurance companies, all of whom are flouting national laws and fooling customers. Isn't this a national disaster? I'd like to remind you that you'd better prepare a camera when you buy insurance, so that you can obtain evidence in future lawsuits. Remember, buying insurance is to spend money for unpredictable risks in the future, not to make money, remember! Remember!

2, as long as you want to take money from the insurance, you will be calculated by the insurance in the end! Why do insurance companies hire a large number of actuaries? Is to calculate the customer's money, they calculate that in addition to the money earned by the insurance company, the remaining money (the so-called cash value) is your money! Whether it's 30 years or 40 years, after deducting the money earned by the insurance company, the rest (cash value) is your money! Because life insurance is life insurance, if you don't refund your money until you die, it will be regarded as surrender (that is, the cash value given to you). Remember, buying insurance means spending money for unpredictable risks in the future, but not making money, remember! Remember!

3, the insurance company has a meeting every day (the morning meeting of the company) to talk about some ways to fool people, that is, to talk about how much dividends have been paid for decades, how much dividends have been paid for decades, and how much cash is worth. Alas, I am jealous when I look at a lot of numbers, which makes insurance fascinating and induces customers to be cheated with benefits! In fact, understanding insurance is very simple, that is, when you are out of danger (the responsibilities listed in the contract), it depends on your "guarantee". When you are not out of danger, it depends on your "cash value", no matter how many years, because life insurance is life insurance, if you don't get the money until you die, you will be surrendered (the cash value will be given to you), so you will not be sold if you understand these two figures.

Insurance only talks about cash value, not about principal and dividends, and there is a cash value table on that cash value insurance contract, and you will understand how much it is for many years. That sum of money is far less than the principal, whether it is withdrawing money, surrendering or so-called pension conversion, it depends on the cash value table. The insurance salesman didn't explain the cash value of the insurance policy to you. After that, the customer stopped buying, so he tricked you into paying the premium and taking the money. It's a loss to withdraw money from insurance for several years. In fact, even if you take the principal for several years, the currency depreciation of your principal will lose a lot. Remember later! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers' money in the name of insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.