This is impossible. This insurance itself is guaranteed for life, and the payment period is only 3 years. It means that after 3 years of payment, you no longer need to pay premiums, and you can receive money for life.

If you have paid the premium for 3 years and immediately surrender the policy to get back the cash value, there will be a partial loss of the principal, but the degree of loss will be relatively small. As for the interest, you have not started to collect it yet.

Insurance is long-term and will not bring any benefits in the short term. If you want to manage your finances in the short term, then don't consider insurance. It is of little significance.

In fact, with the central bank cutting interest rates six times in 2015, bank time deposit interest rates are getting lower and lower. As China joins the SDR and integrates with international currency, China's bank time deposit interest rates will gradually be in line with international standards. 0 interest rates or even negative interest rates may be just a matter of time; and the interest rates of banks' wealth management products are also gradually decreasing. At the same time, the country now allows banks to close down. Deposits exceeding 500,000 will not be compensated or will be compensated according to a certain proportion. Bank wealth management products are not included in the bank deposit insurance system. Within, that is, if you buy a financial product from a certain bank and the bank goes bankrupt, the state will not be responsible for claiming the financial product; and some P2P companies are running away one after another, indicating that investment companies with slightly higher returns are There is a risk of not being able to get back the principal; although funds, stocks and futures have high returns, the risks are also very high, as can be seen from this year's stock market crash.

So, you can appropriately equip some insurance and financial management to insure your family’s money.