You have to understand that insurance is calculating you, not you. Insurance, except accident insurance, other types of insurance are deceptive. People who have bought life insurance are taken in, because you can't withdraw money at any time, and once you withdraw money, you will suffer heavy losses until you die. When you die, you still have the same disease as the insurance contract, and you can get compensation. When a child is born, he says that death insurance is a curse for people to die quickly! 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 sum of money is far less than the principal, whether it is withdrawing money, surrendering insurance or the so-called converted pension, it depends on the cash value. 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.