When you don't want to pay the premium but want the policy to remain valid, you can activate the special skill "Extension Insurance" to keep the insured amount unchanged and shorten the original protection period.

Please, please speak Chinese
You bought a 40-square-meter house with 20-year installments. After paying for it for 2 years, you found that you were left with nothing to live up to. If you couldn't make the payments, you decided to use the money you paid for the past 2 years to negotiate with the property owner:

The first move
"I've paid for it for 2 years...otherwise I can just buy a toilet...I can just live in the toilet," you said;
The business owner hesitated.

📌In insurance, it’s called “Reduced Paid Up (RPU)”. The coverage period is the same, but the items purchased shrink and the limit is lowered.

The second move
"Ah... otherwise it's like this... the same 40 square meters... I'll be troubled if I live there for 5 years." You said again;
The business owner thought about it and thought it was not bad, so he agreed, and everyone lived a happy life again. It better be.

📌In insurance, it is called "Extended Insurance (ETI)". The coverage amount is the same, but the purchase period is shortened.

When to use
When you are unable to pay the premium or feel uncomfortable paying the premium, we provide policyholders with a considerate option without having to say goodbye to the policy.

Side Effects to Watch Out for: Survivability of Riders
It should be noted that the add-on after "extended insurance" may only terminate after the expiration of the period (according to the regulations of each company), unless the long-term add-on has expired (or has been exempted) or is in the process of claims settlement. Doesn’t count.

So... when can the insurance be extended?
Come on, come on, I haven’t even opened the insurance policy after buying it, it’s all written in the policy!

Let’s take a look at the terms!
After activating the extension insurance, you no longer have to pay premiums, and the insured amount remains unchanged until the agreed extension period.