First of all, you need to understand the features and coverage of the "Ping An Fu" insurance product, as well as the purpose and necessity of purchasing the insurance product. Here are a few ways to start:
1.Understand the coverage and features of "Ping An Fu" insurance products, including the coverage period, premium, and coverage content.
2.Analyze the purpose and necessity of purchasing the insurance product, including the risk profile of the individual or family, insurance needs, etc.
3.Understand the pros and cons and risks of surrendering, including the losses you may face after surrendering, and the risks that affect you or your family.
4.Learn about the features and coverage of other insurance products, including other insurance companies or insurance products, their coverage and premiums, etc.
Suggestion: It has been paid for so many years, just continue to pay, at this time the surrender is not a stop loss, but may be the time of the greatest loss. If you continue to pay, even if there is no insured event during the payment period, the sum insured of whole life insurance will definitely be paid in the future. Although the proportion of Ping An Fu's additional premium is relatively high, the premium is also relatively high, which means that the cost performance is low. Because you're not too old, there's still some leverage between the total premium and the sum assured for whole life. In terms of investment and the amount insured, the "rate of return" is indeed not high, but it is not a loss of money. If you surrender the policy, then at least a direct loss of tens of thousands, can you accept it yourself?
Finally, any insurance product is a kind of protection, if there is no major change in your personal income and family situation, or if your original intention of buying insurance has changed significantly, it is not recommended that you surrender the policy. Of course, the final decision is still up to you, so think again.
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Ping An Insurance, Ping An Fu