Don’t buy it. Guohua Life’s insurance is money loss insurance. Whoever buys it will be fooled. It’s a terrible insurance company, especially the Shengshi Niannian annuity insurance type C. Many people have been fooled. Yes, this is a participating insurance. The annual interest rate calculated from the annual dividends is only 3%. If we need money urgently and take out a policy loan, the annual interest rate is 6.2%, and the ratio is 1:2.1. The annual interest rate is much higher than that of bank loans. I have asked many insurance companies that the annual interest rate for policy loans is around 5%. How dark is the inside story of Guohua Insurance? If we take out a loan every year, not only will we not get a penny of dividends, but we will also have to pay Guohua Insurance Company to manage our principal. In this way, our principal will be completely lost year after year. It's really like eating people without spitting out the bones!

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