I read the clause for you ~ ~ First of all, I declare that I am safe ~ ~ What I said is just my personal opinion ~ ~ For your reference only ~ ~

If you have any questions after reading this plan ~ ~

Solve your problem first: (first, exclude all dividends)

1.

The insured amount 15000 ~ ~ is the initial insured amount ~ ~ The insured amount of this insurance has two purposes: death compensation and pension payment calculation ~ ~

If the annual pension is 65438+ 00% of the insured amount, if the monthly pension is 0.9%~~~

2.

Death benefits:

If you die before you receive it: repay the principal and compound interest at the annual interest rate of 2.5% ~ ~

If you die after receiving it: insured amount+unpaid annuity (receiving * remaining years of receiving it every year) ~ ~

3.

Birthday payment: if the insured lives safely until the expiration of the insurance period, he will get the insured amount as a birthday payment ~ ~

These are the basic insurance responsibilities of this insurance ~ ~

For your plan-first of all, this insurance is dividend insurance, and he uses the dividend he gives you every year to buy the insurance amount (for example, the annual dividend is 1000, and this 10000 bought 10000, so your insurance amount has increased10000.

But the dividend is uncertain ~ ~ so is the amount of insurance ~ ~ and then the money received every month is uncertain ~ ~ but the lowest is (15000*0.9%= 135 yuan) ~ ~

The maturity is also that 40858.62 yuan ~ ~

But here comes the problem ~ ~

First of all: you pay 3688.95 yuan a year, and you can only get the coverage of 15000 after 10 years ~ ~ Only when you pay dividends within 10 years can the coverage reach more than 40000, which is more than twice the coverage ~ ~ I feel a little different ~ ~ I have also seen other cases of the same type of insurance.

Because this amount of insurance directly affects how much you get ~ ~ so it is more important to check ~ ~

In addition: medical treatment and accidents are not reflected in the insurance liability of this insurance. Both medical treatment and accidents appear as additional risks, which require extra charges ~ ~ ~

These are for reference only ~ ~ I hope you can check with that salesman again ~ ~ I hope it will help you ~ ~