To put it simply, you were tricked into buying insurance products from the insurance company represented by the bank at the bank. The key is that you have signed it, which is legally binding. You certainly didn't read it carefully at that time, and now you can't prove that you were misled to sign it, so it is difficult to protect your rights and interests. If you surrender within ten days (subject to the insurance contract), there will be no loss and you will surrender in full. If it is ten days late, the loss may be greater! I personally bought a dividend-paying life insurance in 2007, when the investment environment was good, and the annual dividend reached 400/10000. In 2008, due to the financial crisis, after the competition of 1 10,000 yuan, the dividend was less than that of 60 yuan. What a tragedy! Talk about dividends. Dividends are uncertain. Maybe the salesman bragged about his previous performance in front of you, but it didn't mean anything. According to the relevant regulations, dividends are related to the operating performance of insurance companies and are distributed according to a certain proportion of the performance of each fiscal year. The operating performance is uncertain, so dividends are uncertain and cannot be calculated now. If you buy this insurance, the income you can get is the sum of the insured amount and dividends (which may be less than the bank's interest plus principal for the same period, otherwise what will the bank do? )。 Because dividends are uncertain, how much you can get is incomparable. But it can't be compared directly, because after all, it is to buy insurance and sell things to buy protection. Also, buying insurance is not a deposit, and you will lose a lot if you surrender halfway, so please decide everything carefully according to your own economic situation.