Answer: It is the insured.

2. When the applicant pays the premium for the insured, is the policy still related to the insured?

Answer: You can't just talk about the insurance policy. The cash value in the insurance policy belongs to the insured!

3. When the policy requires a mortgage loan, can the insured go to the insurance company for mortgage with the policy?

A: Not only can, but only the insured has this right!

The above questions are explained in the book "Basic Knowledge of Financial Planners" of insurance planning! The second and third questions are detailed in its P33 1 page!

That is to say, before the expiration of the contract, the insured has the right to dispose of this insurance, or surrender it or stop paying it.

Answer: At any time, the insured has the right to deal with your rights!