Zhuhai zhisheng healthy

Universal insurance has a guaranteed interest rate and is a wealth management product. The account is more flexible, but the same life-long payment, life-long deduction and annual deduction fees are all rising! Children can pay their debts for about 5 years, and adults can pay their debts for about 10 years! At the same time, please note:

1, this kind of product is not suitable for people over 50 years old, and the cost deduction increases too fast.

2. Everything is based on the contract, and the guaranteed interest rate cannot be much lower than the annual interest rate.

3. The company should have long-term stable income, with high and low non-investment income.

4. The annual premium should be in line with one's own economic ability, controlled at 10- 15% of the annual income, and the monthly income should not be less than the annual premium.

5. The controllability of universal insurance is not high. As a wealth management product, it is suggested that the payment period of customers should be set at 10 years or more.

6. The best buyers are those who are relatively well-off, relatively young and have certain investment risk tolerance, commonly known as "rich people".