Surrender is definitely not cost-effective. My friend bought dividend insurance, more than 5000 a year. Cost 10 year, returned after 20 years. Four years, more than 20 thousand Later, when I calculated, I found that it was not like what their salesman said about how much money they could earn by returning the principal in 20 years, but that the money was given to them for 20 years. The so-called dividend is lower than the interest paid in the bank, so I went to surrender. As a result, I can only refund more than 10000, not to mention the handling fee. I also guaranteed it for you for 4 years, and my friend retired in a rage. I can only suggest that you think it over. It's covered. Continue to buy or surrender? Calculate an account first.