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Can I get a full refund after the 99 Hongfu Insurance expires?

No way. Insurance is consumption. How much can I give you after consumption? Remember in the future! The so-called "insurance" is used to resist risks, not to manage money, and it is even more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. Therefore, dividend insurance is to cheat customers' money in the name of insurance.