Africa is poor, who can afford drugs to treat AIDS? ...
Huaxia Life Insurance is a regular insurance company, which is nothing. Buying insurance mainly depends on suitability, but price is not the main factor.
Regarding the "cargo right", I suggest that if you don't want to refute your father's face, you can lend money to your aunt. According to the law, private lending is legal as long as it does not exceed 4 times the interest rate of bank loans in the same period. The biggest difference between investing and borrowing money is that investing is the risk of your family and borrowing money is the risk of your aunt. You just need to write an IOU, and the annual income is 10%- 15%. If that aunt thinks she can make money, let her invest.