Can China Merchants Renhe Zhaoruihui enjoy annuity insurance after the fifth year?

Yes By inquiring about the terms of the annuity insurance contract between China Merchants and Zhaoruihui, the insured can choose to surrender the insurance product at the end of the fifth policy year after purchase. The user can apply to the insurance company, and the insurance company will settle the account according to the surrender value agreed in the contract and pay the refunded amount to the user. Surrender will generate certain surrender fees and taxes, and the specific fees and regulations may vary from region to region and insurance companies.