Forehead... I thought many people knew this... By the way, I'll tell you (I'm not selling insurance)... Critical illness insurance buys the expectation of a critical illness that may occur unexpectedly, and the sooner it happens, the more advantageous it is, because the one-time compensation is whatever you do with this money. If there is no serious illness, it will be very uncost-effective. Critical illness insurance has non-refundable principal and principal refund (some may have a little interest). The poor have no money to insur, the rich don't need it, and the middle class is the largest audience