First of all, the product you buy is called bank agent insurance product, which is actually the insurance product sold in the bank, and the bank will charge a certain commission.
2: The dividend-paying insurance products you buy will be distributed once a year, but they will not be deposited in your passbook, but will be directly deposited in your insurance policy for compound interest. Of course, you can also take it out.
Three: It is generally recommended that you keep this product for at least five years. If you withdraw in advance, you will be charged a certain handling fee, that is, you can get back the so-called cash value by surrendering in advance, so if you deposit it for a short time, it is recommended to surrender.
Four: If you surrender this product, you can go directly to the insurance company, and of course you can also go to the bank (they contact the insurance company), and you will usually receive it within one week.
Finally, your money is actually in that insurance policy at present. I suggest you take good care of it, which is equivalent to a passbook. If you want to inquire, you can call the customer service hotline of China Life, or China Life will send the dividend slip to the address on your policy every year.