24男壽險諮詢

媽媽在民國88年幫我保了一張終身壽險
最近母親不幸離世 正在考慮是否承接保單
但有幾個問題想知道答案
所以上來尋求大家的解答

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這樣的保單內容是否需要做調整或補強？

還有30萬是在繳完20年期就能領回？
還是只有等我死了才能由法定繼承人領回？

麻煩大家幫忙回答了 謝謝！