Legal. According to the provisions of the Insurance Law of People's Republic of China (PRC), it can be known that the total of service fees, insurance premiums and other expenses and interest does not exceed four times the listed interest rate of the one-year loan market when the contract is established, which belongs to the legal category. The premium of the big insurance loan is higher than the interest, but the comprehensive cost is not more than four times the quoted interest rate of the one-year loan market, so it is legal.