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You want to buy insurance and lend money to others are two different things, you buy insurance to protect yourself, and the person who lent it to you, it has nothing to do with half a dime, the policy contract is yours, you must use your name to borrow money, then the money must be chased to you, of course, if it is your own relatives, it doesn't matter.
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No insurance is possible, because it is the obligation of the policyholder! The borrower has nothing to do with insurance
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