It seems that although you know the terms of insurance, you don't really understand them. As you said, an insurance company engaged in life insurance business shall not be dissolved except for division or merger. Then you may not know the business scope of insurance companies with life insurance business. The business of life insurance company includes life insurance, health insurance, accident medical insurance ... so your health angel critical illness insurance of Xinhua Life Insurance is included in the business scope of life insurance company. So enjoy the same treatment as other types of insurance. So don't worry, renew the fee if necessary. Never give up your insurance. Any insurance will pay as long as it is surrendered! ! ! ! ! ! Now Guotai Min 'an Insurance Company will not have any problems. Last year, the Pacific lost hundreds of millions of dollars. Is it still fine? So have confidence in the insurance company! ! ! ! ! ! !