1. If you die unexpectedly after insurance, or lose your ability to live or die of illness after 180 days, you will be given a personal account of 1 10% and the insurance will be terminated.
When you are 2.70 years old, I will give you all the account value, and the insurance will be over.
3. When you collect money halfway, you will deduct a little handling fee for the first four years as you said, which is the proportion of deducting money. If you surrender, it is also the same proportion. After four years, the money will not be deducted.
When you buy insurance, the company has deducted 5% as the joining fee, which is the company's handling fee, so the money credited to the account is 95% of 5000, and the company will use this money to appreciate for you. In addition, 5 yuan's policy management fee is deducted every month, and 60 yuan is deducted every year.
Generally speaking, this kind of insurance is suitable for long-term investment. If it is 5000, it is a bit uneconomical, because the base is low and the rolling is slow. This account is profitable and value-added. If you invest more than 50 thousand, it will be very cost-effective
6. If your parents are not very old, it is recommended to hold them. If you buy this insurance and surrender it within ten days, there is no charge.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.