You said you knew nothing about insurance, but you should learn this knowledge. I will give you a detailed answer.

First of all, I will teach you how to refuse a friend, saying that there is no money at home now and there is a need.

Give you a month. How much knowledge do you need to know about insurance in this month?

At present, China's three major insurance companies, Life Insurance, Ping An Insurance and Pacific Insurance, are relatively large. He Zhong Life Insurance is a Sino-foreign joint venture insurance company. In fact, there is no difference between good and bad insurance companies and insurance types.

The insurance recommended by your friend belongs to the type of education fund. The education fund means that you can simply pay for school when your children go to school. If I had taken it out at that time, I might have felt a lot, but now it is paid by installment and the interest is very high. This kind of insurance is good. You may not understand, so you don't need your friend's plan. Now the network is transparent. You can check this kind of insurance online. As mentioned earlier, the types of insurance companies will not be very different. Dividend insurance is mainly after dividends, and there are different ways to get it here. The main difference is dividends, which come from the investment channels of insurance companies. The three companies mentioned above receive the most dividends.

Insurance is a tool for long-term financial management. The longer the time, the higher the income, so it is best not to take the money when it is not used. When the children go to school, get married and start a business, there will be a lot of money.

Since there is an insurance policy, you can find more salesmen of several insurance companies to find out. Actually, friends may not be able to serve well. Insurance is a life-long guarantee, a life-long income, and cannot be sloppy. So find 2~3 salesmen, not only to compare the types of insurance, but also to make a detailed analysis according to the family situation, and then do what you think is appropriate. In the process of understanding, you will also know something about insurance.

The sooner children buy insurance, the better, and the sooner they buy insurance, the sooner they will benefit.

If you have any other questions, you can consult in detail or contact me in person.

I use my major to answer your questions, and I am happy to help.

Li Yang, Senior Business Director of Pacific Life Dalian Branch