I am 28 years old and male. I would like to insure Ping An's Zhi Ying Life Universal Insurance, paying 6000 per year for 10 years.

I am 28 years old, male. I would like to insure Ping An's Zhi Ying life Baidu know netizen 2011-04-01 16:54 I am 28 years old, male. I would like to insure Ping An's Zhi Ying life universal life insurance, annual payment of 6000, payment for 10 years. My account manager designed me a basic coverage of 120,000, additional accident 30,000, accidental medical 10,000, 3 copies of Healthy Enjoyment and 10 copies of Hospitalization Day Amount. Is this reasonable? I am focusing on retirement and medical coverage.　Question added: Uh, I forgot to mention that the critical illness is 100,000 dollars. May I also ask what is the deduction rate for critical illness and accident? How much will be deducted at the age of 60? Hello! If you are looking for retirement and medical care, universal life insurance (Smart Win Life) is not suitable for you. Because universal life insurance is focused on protection, but also because you need to deduct the cost of risk protection and the cost of critical illness protection every year (and with the increase of age, the deduction of the cost of risk will also increase). You should take out a pension insurance policy. At present I do not know your basic situation, so I can not make an analysis and help you make the best insurance program, I hope you can contact me in time, I will be happy to serve you.