First of all, I want to tell you that the salesman you met is very good, not misleading you, but also telling you the insurance liability and the protection benefits you should have after insuring this product. Because the death claim of this product is the same as that of critical illness insurance, when a serious illness occurs, the insurance company pays the critical illness insurance premium, and the contract is naturally terminated. After the contract ends, there will be no dividend and death insurance. However, when paying critical illness insurance, the company will give you an increased amount of insurance in the form of meeting the cash value from the beginning of insurance to the payment of insurance benefits. There is no such thing as premium exemption when the contract is terminated. I hope my answer can help you, thank you.