I bought an education fund from Xinhua Life Insurance, which costs 488 yuan a year and has been insured for 9 years. Now I can get a refund of 35 13 yuan. Xinhua Life Insurance can't return the principal after buying it for 9 years, and will deduct a part of the principal and return it to everyone. The performance in the policy is cash value, and the policy will have a cash value table. In the ninth year, the corresponding cash value is the money that can be obtained from surrender. Although surrender is the right of consumers, surrender is indeed a unilateral breach of contract by the insured, and it is legal and reasonable for the insurance company to deduct a certain handling fee. But in the ninth year, the cash value is actually not low, which is about 60~80% of the premium.