A refers to/kloc-children under 0/4 years old and delivered to the corresponding date when 15 years old takes effect.
15, 16 and 17 are 10% of the guaranteed amount, and 18, 19, 20 and 2 1 are 30% of the guaranteed amount.
Paragraph B is for children under the age of 17 and delivered to the corresponding date when 18 takes effect.
18, 19, 20 and 2 1 are 30% of the guaranteed amount respectively.
There is no difference in insurance liability between the other two products.
Now we need to know the specific age of the child (one year old) to know the specific ratio.
Not in favor of wholesale delivery, because the product has the function of free premium during the payment period.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.