Is Zhihu Harmonious Wealth Lifelong Care Insurance Reliable?

Reliable. Harmonious wealth lifelong care insurance is a kind of long-term care insurance, which aims to provide buyers with lifelong long-term care protection, policy pledge loans and reduced insurance rights. It is very reliable. Policy pledge loan means that the insured can apply for a loan from the insurance company with the policy, and the maximum amount can be deducted by 80% of the actual cash value of the loan. The reduction of insurance coverage means that the insurance company reduces the basic insurance amount and then returns the basic insurance amount MINUS the corresponding cash value.