I am a product manager in the banking and insurance industry. I don't know what kind of product it is, but you can rest assured that the essence of insurance and the most important function of insurance are actually its protection. However, with the development of the times, more and more insurance companies have launched medium-and long-term wealth management products, and banks have gradually become "financial supermarkets", that is, selling a series of insurance, funds, securities and other products, which will be evaluated by banks before sale. All products of official agents are guaranteed in terms of safety first, and then talk about benefits. In this regard, we should be careful that the contract of the products you buy is protected by law as long as it is in black and white. The more reliable question now is that you need to find out whether saving 10000 yuan every year will give you a lot of pressure, or whether you will use this money in the short term. If there is no pressure and money in the short term, you can still buy this product. The annual interest rate of the bank is 3.25%, and it will return to 10 this year. Moreover, insurance products are dividends, and interest is compound interest. 15 is quite a lot.

Having said that, I hope you will decide carefully and ask me questions.