I am also involved in this plan. Let me help you analyze it. Your family is 53 years old, similar to my mother, and my mother is 50 years old. I signed her up for a ten-year health plan. As long as I love me and spend 480 yuan every year, I can get a 24% return. At the age of 60, you can immediately switch to a 25-year pension plan. I can take my mother's 15% principal interest, 10 years, which is equivalent to a pension. I think it's good.

I also thought about whether it would be deceptive, but after reading the contract, I can take out my money every year (50 to 60 years old), but I don't want to participate in the 25-year pension plan.

My mother drinks beauty treasure every month anyway, which is not bad.