[問題] 三商-美年發?
最近朋友，被一個三商的保險業務員推銷
朋友有問我保單好壞，可是他ㄧ問三不知
從他口中只知道幾個..
1.美金計價
2.一開始每兩年可以領一次利息，十年後每年可以領利息
3.有分中長短期投資，可以從長(20年)->短(6年)
可是不能從短變長
4.最重要，他想買的原因是因為說利率有4%，是銀行的4倍
大概就是這樣
從以上線索，我猜應該是三商-美年發這項商品吧= =
想請問板上可以給我對這項商品更明確的優缺點嗎??
畢竟，要買金融產品，什麼都不知道就買，非常危險...
謝謝~
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