First of all, according to the insurance law, the insurance company must make a settlement decision within two months at the latest. Whether you pay the price for it or not, you must come to a conclusion. If there is no conclusion, you can call 12378 to complain to China Insurance Regulatory Commission.

Second, the borrower insurance sold by rural credit cooperatives generally only covers accidental death, so you should judge for yourself whether it is the responsibility of the insurance company.

Thirdly, if the insurance company is ultimately responsible, and they fail to pay the compensation within 60 days, you can claim compensation for the loss of interest.