During the insurance period in ......................, if the borrower dies (including being declared dead by the court) or is totally or largely incapacitated by the labor ability appraisal committee, the insurer shall be responsible for compensating the outstanding loan principal and interest under the loan contract within the insured amount.
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However, the cost is within the insured amount and limited to 20% of the borrower's outstanding loan principal under the loan contract.
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Because this kind of insurance is risky and requires great courage and social responsibility of insurance companies, it is not surprising that there are not many companies.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.