I have paid for Fu You Shuangxin dividend insurance and major emergency insurance for 20 years. I want to ask if I can refund all the money I paid when I am 60 years old.

1. If an accident occurs during the contract insurance period, the death insurance premium shall be paid according to the basic insurance amount. For example, a 30-year-old man buys a basic payment of100000 yuan, which will be paid in 20 years, with an annual payment of 3740 yuan. If he dies unexpectedly after only two or three years, the insurance company will pay 65438+ 10,000 yuan.

2. Pay special attention to insuring against major diseases. Major diseases can be divided into two categories: AB. This is the biggest highlight: major diseases can be paid twice, but each category must be AB. There is an observation period of 180 days. If you get a class A disease after the observation period, the insurance company will pay the insured amount plus a bonus, and take the list just now. At this time, the contract has not been terminated, which is a natural exemption and the contract is still valid. If you unfortunately get type B disease after the observation period of 180 days, the insurance company will pay 10 again, but this time there is no dividend and the contract is terminated.

3. Return to nature, that is, provide for the aged. During the insurance period, you can prevent diseases and provide for the elderly without diseases. If you choose insurance until you are 60 years old, you can get the full insurance money at this time and the contract will be terminated. Maturity insurance premium = basic insurance amount ÷ 1000× corresponding amount in maturity insurance premium payment table. I hope it helps you.