Hello, I suggest you call the company's customer service number 955 19 to inquire about this problem. Because many salesmen themselves are not very clear about some terms, they sometimes give some muddled explanations.

As for Fuman's life, this is a product sold by life insurance. If I remember correctly, it is usually sold together with Ruiying Universal Insurance. The care money generated by Fuman will be automatically transferred to Ruiying Universal Insurance Account. Of course, if the products you buy are not sold together with Ruiying Universal Insurance, you need to pay attention to your contract. There is a piece in it, which should say bonus treatment. There may be several options, such as accumulating interest and paying premiums. When I buy this kind of wealth management insurance myself, I usually choose to accumulate interest, because the money returned each time is limited, so I don't invest it and let him accumulate interest. Because even if you take it out, there are only two results. If you spend it or keep it in the bank, you can't keep the money. To do this, I really want to keep a small sum of money for myself, and I have a pile of money when I need it.

I hope my reply is helpful to you.