什么是人身保险合同（人身保险的险种和分类介( 六 ) _人身保险

15投保人的退保会受到怎样的影响？
首先，退保后，消费者将失去现有的保险范围。
其次，随着被保险人年龄的增加，如果消费者重新购买相应的保险，在正常情况下，费率和承保要求都会增加。
第三，犹豫期过后退保。根据合同，保险公司会收取退保费，消费者会因此受到一定的损失。
16什么是保单贷款？它有什么作用？
保单贷款是长期人身保险合同的独特功能。是指在合同生效一定期限后，被保险人按照合同约定，以保单的现金价值作为质押，向保险公司申请贷款。
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is the? If theis not paid on time, will theof thebe ?
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18If theof theis , can it be ?
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19How to apply forafter an?
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