Xinhua is healthy and carefree. Official website found it. There are two types of insurance: 1.5 million and 200,000. The coverage you purchased is 1.5 million. Of course, the coverage is only 1.5 million. Pay 5000 a year, which is the premium.
Xinhua Life Insurance is a savings-based critical illness insurance with a lifetime guarantee period. If the insured is still alive after 20 years of payment, and there is no claim, then you can only choose to surrender and get back the cash value of the policy, otherwise you can only get the money after the death or illness of the insured.