What is the loss of old-age security (dividend-paying) for two years?

Dividend insurance may lose money if it is surrendered. Dividend insurance surrender, if it is hesitant to surrender, can refund the premium paid, the insured can not bear economic losses. If you hesitate to surrender, you can refund the cash value. Generally speaking, if it is a simple dividend insurance, its cash value is higher. In the later period of payment, the cash value can generally be equal to or even greater than the premium paid. At that time, the insured may not bear economic losses. However, if the cash value is not equal to the premium paid, or the dividend insurance with lower cash value is attached to the critical illness insurance, then the insured generally needs to bear certain economic losses.