1. If you withdraw now, you will not get back the principal. As mentioned above, call China Life’s customer hotline to ask about the current cash value, which is the money you can withdraw now. Regular bank financing like this For products, the proceeds from the policy taken out before maturity cannot make up for the initial sales expenses and operating costs of the policy.

2. China Life Hongfeng Endowment Insurance Dividend Type Judging from the current market income level, there must be a certain amount of income, and there is no need to worry about the loss of principal. Insurance is not a fund, and risks It’s much lower and has a guaranteed annual interest rate of 2.5%.

3. Compared with the bank's 5-year regular interest rate, under normal circumstances, the income is higher than the bank's regular interest rate. Otherwise, the bank will not allow bancassurance products to be sold in the bank, and there are also bancassurance products. It has a certain protection function. If the insured dies due to an accident during the participating insurance period of China Life Hongfeng Endowment Insurance, a compensation of NT$210,000 will be paid three times your insured amount. The disadvantage is that early withdrawal is not like the bank's regular payment, which only loses interest. If the insurance contract is terminated early, the policyholder will bear certain losses.

To sum up, the 5-year single payment product has been deposited for 3 years, and there are no special circumstances. Don't surrender the policy, it's not cost-effective. If you feel that the benefits are not good after the expiry, if the elderly in your family go to the bank to do business in the future, they must ask clearly whether they bought the insurance. When signing, check whether the document is headed by a certain insurance company.

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