赔付金额是higher of (保费，policy value）最少的赔付是保额的数目啊，不会清零。
如果你是这么理解的，那理解的不够全面。
这款产品的 PS 上有明确的条款：
7.5. Termination
Your policy shall automatically terminate on the occurrence of the earliest of the following in accordance with the
basic policy contract:
(iv) upon your policy acquiring a zero or negative policy value on any given valuation day (save when the No
Lapse Privilege as described in section 7.2 is in effect).
其中的 No Lapse Privilege 指的保单生效前 10 年，即使 policy value 为 0，保单照样生效，保障还有（T & C apply）。10 年之后就没有这个 privilege 了。
7.5. Termination
Your policy shall automatically terminate on the occurrence of the earliest of the following in accordance with the
basic policy contract:
(iv) upon your policy acquiring a zero or negative policy value on any given valuation day (save when the No
Lapse Privilege as described in section 7.2 is in effect).
其中的 No Lapse Privilege 指的保单生效前 10 年，即使 policy value 为 0，保单照样生效，保障还有（T & C apply）。10 年之后就没有这个 privilege 了。
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