Happiness as Donghai whole life insurance (A) (dividend-paying type) is a lifelong insurance, which is usually paid in advance for 09 serious illness, which is also called "Fu Jia Ankang Lifelong Health Financial Security Plan".
The theory of financial management is a bit reluctant. It is just a security plan that provides "lifelong" and "death and serious illness protection". Dividends are directly converted into insurance coverage, that is, the insurance coverage has increased to a certain extent, which also reflects the security function. It is completely nonsense to provide for the aged by surrendering insurance without the function of providing for the aged.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.