1. If the lender chooses to partially repay the loan, its repayment will be used to repay the accumulated interest first, and then to repay the loan principal. If the lender fails to repay the debt at maturity, the insurance company will terminate its insurance contract when the loan principal and interest reach the surrender amount.

2. If the loan and loan interest cannot be repaid at the expiration of the loan term, the owed policy loan and accumulated loan interest will constitute a new policy loan, which will bear interest according to the latest policy loan interest rate and compound interest every six months.