At 10, that is, one-third of the principal was taken. Insurance only talks about cash value, not about principal and dividends. He only gets cash value and dividends when the insurance has contractual responsibility, but he only talks about cash value when there is no contractual responsibility, 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 you withdraw money or surrender, you must look at the cash value table. The insurance salesman didn't explain the cash value of the insurance policy to you. After that, the customer stopped buying, so he 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 take the principal for several years, the currency depreciation of your principal will lose a lot. Remember later! The so-called "insurance" is used to resist risks, not to manage money, and it is 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. So dividend insurance is to cheat customers' money in the name of insurance.

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