Generally, this kind of insurance rebate will be automatically credited to the "universal account" for rolling interest. If you don't get it for three years, you should have a three-year rebate+accumulated interest in the "universal account". I don't know how to stipulate the interest rate in this insurance contract. Rolling interest is changing at any time, and its interest is uncertain. At the same time, it is not clear whether there are other contents in the insurance terms you purchased. For example: 1, whether the main insurance requires the applicant to take the initiative to attach the "universal account" additional insurance; 2. Whether the additional risk of "universal account" is automatically attached to the contract; 3. Whether the insurance is annual insurance without "universal account".

According to your description, the insurance company that didn't receive the rebate for three years didn't inform the customer to get the money. It should have a "universal account" You can call the national service hotline on the contract.

But pay attention to 1. If the rebate in the "universal account" is used within the validity period of many similar insurances, the subsequent income will be reduced.