1. This kind of insurance has a high minimum annual premium threshold and is only suitable for customers with better economic conditions.
2. The loan amount of this insurance can only be 80% of the cash value, which is lower than similar products.
3. Life is a dividend-paying old-age security, and there is a common problem of dividend insurance. Dividend insurance is a kind of life insurance that the insurance company distributes the distributable surplus of this kind of dividend insurance in the previous fiscal year to customers in a certain proportion in the form of cash dividend or value-added dividend after the end of each fiscal year.