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Does anyone have death insurance?

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I am thinking of purchasing a separate, smaller form of life insurance instead of the death insurance included in comprehensive insurance.

The money you pay is similar, but there are two options. I’m wondering which is better.

1. 20-year payment, maturity at age 60, maturity refund 100%, death insurance premium 100 million won

2. 20-year payment, maturity at age 60, maturity refund 50%, death insurance premium KRW 300 million

It’s like this, I have a death insurance separate from my comprehensive insurance, but this is just for savings and I’m thinking of getting another one to prepare for the remaining family in case of an unexpected situation.

I’m still wondering how to lift it.

Those of you who ate it, how did you like it? If you didn’t, please give me advice on what to do.

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