Hello, I'm Liang Yaru, the account manager of China Ping An Insurance Company, and I'm glad to answer your questions. First of all, congratulations, you have saved yourself and your family a fortune. Zunhong Life is the latest high-end wealth management product launched by our company this year. According to your description, if you pay 35,000 yuan a year, you can get 18% insurance coverage every year in the fourth year (before you are 60 years old). In addition, there will be a special survival fund in the fourth year, which is 2% of the premium you pay. However, I suggest that you don't get the annual return yet, and try not to use this money when we still have the ability to work. If it's really urgent, you can take some. At this time, the interest rate will not decrease with the value in the account. When your capital turns around, you can deposit the money in the Jubao account. Or you can get a loan from Zunhong Life Insurance. I hope the above answers can help you. If you have any questions, please contact me.

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