China Merchants Cigna Yun Xin's second-generation return accident insurance is to protect the world's life and death accident insurance. Endowment insurance is also called "life and death insurance" or "savings insurance". Whether the insured dies during the insurance period or the insured survives when the insurance expires, the insurance company will pay the insurance money. If you take out the worry-free second-generation accident insurance of China Merchants Cigna Yun Xin, you can get the corresponding insurance money protection if you die or are disabled during the insurance period, and you can return 100% premium if there is no survival claim at maturity.