The collection of insurance survival money is related to personal circumstances and needs. If individuals need to use money for turnover or for specific purposes, such as education funds or pension funds, it is beneficial to receive survival money. In addition, if individuals feel that it is safer to hold money in their hands, or want to manage funds in other ways to get more income, they can also choose to withdraw survival money and conduct other financial management. However, if the personal economic strength is strong, it is recommended not to receive the minimum living allowance, but to put it into a universal account to obtain compound interest and increase interest. In this way, you can get more interest income. Because buying insurance is to improve the quality of life, if you don't receive the subsistence allowance, it will lead to the decline of the current quality of life or face difficulties. Of course, it is better to receive it.