Can I buy Taikang Universal Insurance at 43, is Taikang Life Universal Insurance a scam?

Universal insurance, there will be an initial cost deduction in the early stage, the highest in the first year, if you only invest 3000 yuan, and then do not pay the premium or add, with the deduction of the corresponding management fee and the like, the remaining money can only be less and less, and finally there is no return, this kind of financial insurance, suitable for large investment in the early stage, there is a fixed investment every year, and there is an excess amount to add, so that it will return quickly, but the salesman will not tell you that a lot of money is deducted in the early stage, and most people do not understand the characteristics of universal insurance when they buy this policy. Too gullible to trust other people's words

If you want to surrender the policy, the first thing that comes to mind must be, how can you get as much money back as possible? Let's put a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》 >>>More

Kim Woo Life Insurance covers 60 critical illnesses and 12 minor illnesses, and the premium and sum assured will increase year by year, and the important thing is to protect it for life. That's what I bought for my mom.

If it is a lifelong guarantee, ten years is the payment period, and the payment is lifelong. If you surrender the policy, there is no protection. You can look at the cash value after 10 years of payment, and hope to think carefully before making a decision. >>>More

Of course not, the birth of a child can only be reimbursed by the maternity insurance of the social insurance, and the hospitalization medical insurance of universal insurance does not report the cost of giving birth to a child.