On the issue of insurance after immigration

It is impossible to change the treaty without permission. That so-called broker wants you to return the insurance in Shenzhen and buy it from him to scare you like this.

Any change in the terms of the contract must be signed by the insured-that is, your mother. How can it be changed unilaterally and privately? Is this still a contract?

It depends on how many years the insurance contract will be covered, and it must be fully covered. If it is interrupted midway, it is invalid. If you forget to pay the fee, the contract will be terminated in two months, so you can make up the premium in two years. If it is not covered for two years, the contract will be invalid and only the cash value in the account can be returned, which is very uneconomical.

I hope my answer is helpful to you!