As far as insurance itself is concerned, this is not bad, but you must first make it clear that insurance cannot be a wealth management product and its income cannot be higher than other wealth management products. Of course, besides the risk, it depends on your age, about 30 years old, or even less. This model is quite good. The point is that you don't want to take it. /kloc-you can take it in 0/0, but it's not much different from the money you paid.