If you sign it in China, you must have been cheated. Foreign insurance is generally signed face to face, with strict underwriting and wide claims.
If you think this insurance product is not easy to be cheated ... Hey, I want to quit the guardian life of Prudential in Hong Kong. Prudential was bought by Jinyou Life Insurance in China, and the returned premium also lost more than 20,000 yuan, but it was only domestic insurance that cheated. It turned out that my insurance premium was affected and the income was ten times worse than that, so I just came back from a trip to Hong Kong!
Why not let Ping An Pacific Life Sunshine Xinhua ... and then make sure whether you have been cheated, and the next row will come and make a list of similar expenses and savings insurance benefits, and then, giggle!