The so-called cash value of insurance policy, also known as "surrender premium" or "surrender premium", refers to the value of personal insurance policy with the nature of savings. Insurance companies usually deposit liability reserves to fulfill their contractual obligations. If you surrender midway, the liability reserve of this policy will be used as a refund for payment and termination.
Application for reinstatement _ For example, if you buy dividend insurance, there will be a two-year suspension period. In the meantime, you need to fill out an application for reinstatement and apply for reinstatement. Otherwise, insurance is not guaranteed at this time.
Health statement: you need to fill in the application for reinstatement, personal health status.