Didn't the agent explain the proposal to you? You don't have to get money every time you come back for three years. If you don't need the money urgently, you can continue to deposit it with the insurance company. The insurance company will give you interest, which is higher than that of the bank. And this kind of insurance pays dividends every year. The higher the cash value of the policy, the higher the dividend. If you don't get it, the company will give you accumulated dividends and interest. Keep it like a snowball. Besides, you can take out some money when your child goes to college and gets married. This policy has always been with children all their lives, which is very suitable. It is recommended not to surrender, because it will lose a lot.