Insurance is different from stocks, funds and savings because it mainly has the function of protection. If you just look at the income, I suggest you take the money to do business or stock trading, which is faster.
Now answer your question about the contract:
1. If I am 23 to 66 and there is no serious illness in the contract, then they have earned all the lost profits?
A: We don't want to suffer from serious diseases all our lives, but diseases won't leave us because we don't want to get sick. If you live to the age of 66, congratulations, but understand that many people are not as lucky as you, and many customers will have serious illness in the contract. The insurance company only uses part of the income generated from the premiums you have paid over the years to resist risks for customers, just like "one person owns it, one person owns it". And maybe you haven't noticed, this insurance is for life, not just until you are 66.
2. If I reduce the insurance coverage to 10W, that is, the annual premium is 4,500. Then my corresponding cash value table changed even more. How to change it?
The specific cash value can be directly inquired by the renewal department of the insurance company. Seriously, the explanation of 95567 will make people dizzy.
3. Additional risks (accidental injury insurance and accidental medical insurance. Is a minor injury like this an accidental medical treatment?
Cats, claws, dogs and bumps are all included in accidental medical treatment, and even rabies vaccine is reimbursed by Xinhua for accidental medical treatment. Of course, the premise is that cats and dogs bite when people are unprepared, rather than people taking the initiative to tease cats and dogs.
I wonder if this will help you.