The insured dies. According to Cai Xi's survey. Com, Taiping Fortune Zhiying Annuity Insurance Company invests the insured's contribution amount in order to obtain higher returns and provide more pensions for the insured. In some cases, the annuity insurance contract contains special clauses, such as the bankruptcy of the insurance company, the death or disability of the insured, etc. The insurance company will return part or all of the compensation principal.