Huatai Life Insurance Fu You Shuangxin is a dividend-paying old-age security with different payment years. It is impossible to get the cash value of surrender only by your information. But what is certain is that if you surrender your insurance just three years after paying the fee, the loss will definitely be unbearable and the money you can get back will be minimal. Different from ordinary commodities, the price of insurance contracts is stable year by year. Originally, they might be 1 1,000 in the first year, 1 1,500 in the second year and 2000 in the third year. With the increase of age, the price becomes more expensive. However, the insurance company adopts a balanced rate, which may be 2500 yuan per year after leveling. At the same time, the cost is also ahead of schedule, generally in the top three. Therefore, if you surrender for only three years, you won't get much money back. There are two options: one is to continue to pay, this kind of insurance is not expensive, you can consider paying all the time, and you will be forced to save; Or look at the contract to see if there is a reduction settlement function, that is, change the payment period from 18, 20 years to 3 years, reduce the insured amount, and then you don't have to continue to pay.
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