If you want to have a formal contract, I suggest you buy it from an insurance company. The bank's wealth management products will not be paid after the bank closes down, but now the state advocates insurance and gives strong support to the insurance industry. You'd better not sign and accept this, or go to the bank to have a look. Generally, insurance has a 1-day hesitation period, and there is no loss in returning it during the hesitation period. I hope it will help you, and now there are environmental pollution, food pollution and water pollution. I suggest you buy yourself a health insurance.