Pacific Jinyou Life Insurance actually invests the extra premium and then returns it to the insured. If you don't plan to spend money at ordinary times, you can buy Jinyou Life Insurance or an annuity insurance from Tongfang Global. If you spend money and plan, and want to buy a cost-effective critical illness insurance, then Tongfang Global Jian Kang Life Insurance or Huaxia Evergreen are good choices.
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