China life insurance refers to the insured's survival, and the insurance funds will be paid according to the contract, which is equivalent to the insured's survival as the payment condition. The survival base is basically collected by year, month and agreed age, and the survival fund can be received after the expiration. Of course, during the insurance period, when the insured is at risk of death, China Life will not pay the survival money, and the compensation will be guaranteed according to the death. Of course, the premium will not be refunded.