Which is better, sunshine insurance dividend or social security?

What is said upstairs is quite right. Commercial insurance belongs to personal savings pension insurance and is a supplement to social security.

The advantage of commercial insurance is that in the event of an accident (death), the insurance company pays according to the basic insurance, and the premium paid is less than the amount paid. If you are incapacitated, the future premium can be exempted.

The disadvantage of social security is that in the event of an accident (death), you can only get the money you paid, and if you lose your ability, you will not pay for it for free.

Compare yourself.