1. It's an insurance, of course, and will cover all through your life (till death). 2. Part of the money you pay is insurance fee, and the others are for investement purpose. So,

bloor (不算太老)
you'll only pay for it for about 15 years. The investment return will cover the insurance fee for the years later. And, you may also get "retirement income" (one time or by year) after your retirement.
2001-6-6 -05:00

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