给老妈买的平安鑫利两全保险交了三年了，觉得没什么实际作用，是该退还是继续缴费？ 平安鑫利两全保险分红型交满20年后是否能拿回本金？
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保额比较低.交费不多,建议缴费.另附加的保障还是可以的.
还行就是重疾保额偏少了。保险的作用没赔的时候就是心理安慰，你详细了解哪种情况能赔就不这么看了，它现在就是安安静静放在边上的灭火器。不赔的时候代表老妈都平平安安，豁达点吧
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