(1) I am the insured;

(2) difficulties in life;

(three) the legal retirement age is not more than ten years (including ten years), and the full payment has reached the standard;

(4) Permanent residents with valid ID cards (with fixed residence in the local area);

(5) Having full capacity for civil conduct;

(6) Having the ability to repay the principal and interest of the loan and being in good health;

(seven) meet the relevant conditions stipulated by banks and commercial insurance companies.