If a person buys a wholesale life insurance product, but the whole family (including beneficiaries) emigrated when the risk occurs n years later, who will pay for it when it expires?

This will not change if the claim is clearly paid to the beneficiary. If it expires, the dividend will go to the insured, and other income will go to the insured. This remains the same. If you surrender your insurance midway, all the benefits will go to the insured and remain unchanged. If all family members change their nationality, the public security organs need to issue valid identity documents, so those who need to receive money can receive insurance money. In fact, the most direct way to ask is to call the customer service phone of the insurance company, which is fast and convenient!