Hello, if you surrender, you can only get the cash value of the policy (you can look at your policy or call Taikang customer service 95522 for manual inquiry), which is generally about 30% to 50% of the total compensation, not too high.

In addition, if you have any salesman problems, you can also call 95522 customer service to solve them. If the customer service prevaricates you, you can ask their leader to answer the phone for you or ask them to assign your local branch to contact you. Otherwise, complain to the CIRC.

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