What about the pension insurance that MetLife pays regular attention to?

Dear friend mentioned earlier that the risk of serious illness is relatively low when you are young, but if you really wait until you are old to buy insurance, the premium will be much higher, maybe several times. It is true that the risk is lower when you are young than when you are old, but that is only relative and does not mean that there is no risk. To tell the truth, even if the risk probability is only one in ten thousand, we should be prepared. Therefore, since we have the idea of buying insurance, it is actually more cost-effective to buy insurance as soon as possible. Therefore, people in developed countries such as the United States and Japan buy a lot of insurance when they are young. Because risks are everywhere, the sooner you buy, the more secure you are. As far as I know, the "Old-age Security for Metropolitan Nursing in China and the United States" is a double insurance covering major diseases and accidents. According to the truth, the protection is very comprehensive, because ordinary accident insurance is consumer-oriented, and this insurance will be returned to 1 10% after 20 years, which shows that it is a return insurance, which is quite rare. 10% rate of return on capital is actually good, and the general dividend insurance in the market is about this return, but there are still some risks, depending on the profitability of the insurance company. I wonder if the 10% of this plan is the same. But on the whole, in fact, this plan is still very suitable for short-term investment and financial planning today when the investment environment is not very good.