There is nothing uneconomical about insurance. Insurance is the guarantee for the future, which determines the uncertain things in the future. It can't be understood as investment, high income and high risk, and insurance has no risk. You can understand it as:

Compulsory savings; Make a good reserve (pension) for your future. Rational distribution of assets; Don't put your eggs in the same basket. The reasonable structure of family financial management is that family funds are 70% conservative (including bank deposits, insurance, gold, national debt, funds and real estate). . . And so on). 30% as venture capital, speculative products (stocks, futures,). Only in this way can the family property structure win. If you surrender, you can introduce the cash value, which is 4380 yuan in the first year. You can call unified customer service to inquire about the procedures for surrender, or contact the salesman who helped you with insurance at that time. Or go directly to the business hall of any CPIC company, bring your original policy, ID card and bank card, and handle it directly. No, surrender is not recommended. If your family contribution exceeds 25% of family income, it can be partially reduced and paid off, but it cannot be refunded.