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He doesn't look like an insurance merchant. He looks like one of those cheekopek church pastors or a TCM doctor or masseur. He's got the look and the aura.
The difference between Qin Han and the 60-year old man is not age; it's handsome and no handsome. Both looked old, but one is handsome the other is not.
Qin Han's father was a Lieutenant-General of ROC, so his family background quite solid. This gives his face a good aura.