When you buy this insurance, you should get a policy. You can look at the cash value table at the back of the policy, which shows the cash value at the end of each year. If you surrender after 5 years, the money you can get = cash value at the end of 5 years+dividend, plus survival money if you have it. -As long as it is not in the middle of maturity, the surrender amount = cash value at that time+dividend (+survival fund)

This kind of insurance is to be put into the insurance period, and it is not cost-effective to surrender halfway. You have paid the fee five times. If you return it now, you may have to return it. You can call the customer service phone of the insurance company to find out the surrender money you can get now.