This is whole life insurance Almighty. You are very wise and prescient. This kind of insurance sells well. The payment period is lifelong, that is to say, you have the right to pay for life. You can pay for 10 years, or you can continue to pay after ten years if conditions permit, and the insurance will continue to be valid. Don't surrender. It's not worth it. You'll lose half the money. Insurance needs to be guaranteed. This insurance should take into account financial management and serious illness, which should be good.