What should I do if I can't meet the conditions for Ping An's acquisition of heavy gold?

Case 1: The insured amount in whole life insurance is 300,000. If there are no risks and major diseases in his life, there will be no claims; For natural death, 300,000 yuan will be given to the deceased beneficiary, and suggestions will be given to the designated beneficiary; Case 2: After the major illness is paid, the life insurance amount will be reduced by an equal amount, and the natural death will be left to the beneficiary of 40,000; Case 3: Yes, the cash value of the policy can be withdrawn, and the insurance type can only choose to surrender to obtain the cash value; Financial management or dividend insurance can choose annuity conversion, regular collection and other ways to withdraw money;