The Bank marketing life insurance products sold through banks, so people see the importance about saving with more health treatment. For example, when you start buying insurance from age 25-34 years old. When the accumulated savings reach 60 years of age, they will receive a 100% refund guarantee, with 7% interest per year, and 35 years of age, if it would have been 100% refund guarantee, with interest at 3.5% per year, etc.Benefit of this system is the Bank will have more financial liquidity and financing these investments to the other like a drop to those interested to buy a home. Drawback is a long term investment too may result in less attention to birth.
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