China Life Bonus whole life insurance (12 years, annual premium 10000 yuan), profit and loss after reduction.

The reduction in insurance is equivalent to surrender. If you have cash flow problems in the short term, I recommend you.

1. The loan should be paid with premium or revolving, because the premium has a grace period of 60 days, which means that your policy is considered valid if you pay the premium within 60 days after it takes effect. You can ask 955 19 or your financial manager how much you can borrow to see if the turnover is open.

2. If you reduce a certain amount of insurance, you can also consult 955 19 or the financial manager. The price of happiness is relatively low at present. If you lower your insurance, you will lose money. The more you reduce, the greater the loss. You have to think it over.

Finally, it is not a solution. Ignore it directly, it will expire when it expires, and it will be restored when you have money. It's just the guarantee and dividends during the maturity period, and there will be losses in the survival fund, depending on the situation. At least there is no loss of principal after reinstatement, only interest after reinstatement.

Finally, you should consider the actual situation and see if your ability to pay depends on the situation. Calculate, after all, the money is yours, not mine.