A worry-free loan product is actually an accidental injury insurance for the borrower.
The insured in the policy is you, the first beneficiary is the bank, and the second beneficiary is your family. To put it bluntly, the insurance company will repay the bank loan for you when you die or become disabled by accident, and compensate your family if there is any surplus. In this way, if you borrow money to buy a house, in case of an accident, the house will still be yours after the insurance company repays it for you.
So this is a win-win insurance product, and unexpected risks in life are everywhere. For the sake of family and yourself, it is recommended to buy.