When you don’t want to pay the main premium, but you still want the rider policy to remain valid, you can activate the special skill “Reduced Payment” to instantly reduce your premium by thousands of dollars the next year, greatly reducing the pressure on you to pay premiums!

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
"Let's do this...the same 40 square meters...I'll be easy to mess with if I live there for 5 years," you said;
The business owner hesitated.

The second move
"Okay... I understand... Otherwise, I can just buy a toilet... I can just live in the toilet," 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.

Going back to the insurance example,
The first option is called "Extended Insurance (ETI)". The coverage amount is the same, but the purchase period is shortened.
The second method is called "Reduced Pay-off (RPU)". The coverage period is the same, but the items purchased shrink and the limit is lowered.

When to use
The original intention is to provide policyholders who are unable to pay the premiums with a considerate option without having to break up with the policy. If you feel that the premium of the policy is too heavy, but you want to retain all the additional protections, you can apply to the insurance company for a "paid-up payment" of the main contract. Although the protection of the main contract will be reduced, you will not have to pay it again every other year. After paying the premium of the main contract, you only need to pay the premium of the supplementary contract, and the burden of paying the premium becomes smaller.

When you don’t want to pay the main premium, but you still want the rider policy to remain valid, you can activate the special skill “Reduced Payment” to instantly reduce your premium by thousands of dollars the next year, greatly reducing the pressure on you to pay premiums!

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
"Let's do this...the same 40 square meters...I'll be easy to mess with if I live there for 5 years," you said;
The business owner hesitated.

The second move
"Okay... I understand... Otherwise, I can just buy a toilet... I can just live in the toilet," 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.

Going back to the insurance example,
The first option is called "Extended Insurance (ETI)". The coverage amount is the same, but the purchase period is shortened.
The second method is called "Reduced Pay-off (RPU)". The coverage period is the same, but the items purchased shrink and the limit is lowered.

When to use
The original intention is to provide policyholders who are unable to pay the premiums with a considerate option without having to break up with the policy. If you feel that the premium of the policy is too heavy, but you want to retain all the additional protections, you can apply to the insurance company for a "paid-up payment" of the main contract. Although the protection of the main contract will be reduced, you will not have to pay it again every other year. After paying the premium of the main contract, you only need to pay the premium of the supplementary contract, and the burden of paying the premium becomes smaller.