In addition, the so-called premium refund is actually the integration of an old-age security. The function of endowment insurance is to pay the corresponding amount within the prescribed time limit. For example, if the same guarantee is not returned, it will be paid for 20 years and 10000 every year, totaling 200,000. If it is returned at maturity, it will be paid for 20 years and 15000 per year, and it will be returned at maturity. In fact, the 300,000 yuan returned is the income generated by the extra 5,000 yuan paid each year. However, the extra 5,000 yuan per year, if you take out a financial insurance, is likely to be more than 300,000. Whether it is premature death, the upper limit of serious illness claims, or income, it is more suitable than combination. Look at your own needs, intentions and actual situation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.