policy value-added benefits-long-term service fund is a special benefit set by insurance companies in order to give back to customers in insurance products, aiming at improving customer satisfaction and loyalty. The main purpose of long-term service fund is to improve the protection and satisfaction of customers and enhance their trust and loyalty to insurance companies. By setting up a long-term service fund, insurance companies can provide customers with more comprehensive and high-quality services and claims support, improve customer satisfaction and loyalty, and thus enhance the company's brand image and market competitiveness.