China Life's Sankang products are the best health insurance (if you don't believe me, the popularity of these three insurances must be in the top 5).
But take you as an example, no matter what insurance you buy, the payment at the age of 50 is higher. However, buying insurance means buying protection, and it is still necessary to buy some. After the age of 50, people's physical fitness began to decline, and the risk factor was high.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.