Insurance only talks about cash value, not about principal and dividends. He only gets cash value and dividends when there is contractual liability for insurance, but he only talks about cash value when there is no contractual liability, and there is a cash value table on that cash value insurance contract, and you will understand how much it is for many years. That money is far less than the principal, whether it is withdrawing money or surrendering insurance, it depends on the cash value table. The insurance salesman didn't explain the cash value of the policy to you. After that, the customer stopped buying it, so they tricked you into paying the premium and taking the money. It is a loss to withdraw money from insurance for several years. In fact, even if you get the principal for several years, the currency depreciation of your principal is also a lot of losses. Remember in the future! The so-called "insurance" is used to resist risks, not to manage money, and it is even more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. Therefore, dividend insurance is to cheat customers' money in the name of insurance.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.