In fact, the most important thing is to look at the responsibility of protection, including the insurance of death liability (non-accidental death) or sudden death liability, as follows:

1, accident insurance including sudden death liability, such as Alipay's struggle is carefree and the leverage is the highest.

2, regular or whole life insurance, whatever the reason, as long as it is not an exemption clause, you will get compensation when you die, and the leverage is high.

3. Critical illness insurance, who is responsible for his death, the leverage is relatively low.

4. Dividend insurance, annuity insurance and universal insurance are basically responsible for death, with little leverage. The death insurance premium paid for settlement of claims is the largest cash value of the policy.