In fact, insurance is actuarial, the payment period is short, and the total premium will be less. The payment cycle is long. If the risk occurs early, claim directly, and there is no need to continue to pay.
In fact, the insurance company is the same for how many years. But for individual customers, it also depends on your income and how much specific analysis you pay each year. If the parents are young, it is best to pay 10- 15.