Healthy living d

1. Because universal insurance charges an initial fee, which is 50% of the first-year premium, the account value is greatly reduced. Even if the annual income is 5%, the account value of the previous 10 year is basically negative. Friends who take a fancy to the financial management function of universal insurance should not ignore this point.

2. In addition, the cost of basic insurance and critical illness insurance is increasing year by year, and it starts to increase rapidly at the age of 60, so there is no benefit in buying universal insurance after 35; If you are the birthday girl, you must pay the premium every few years after the age of 60 to keep the policy valid;

3. The strength of insurance lies in protection, while financial management is a weakness. Financial insurance can't keep up with five years of bank deposits (absolutely at least 25 years).