What I can only tell you is that you need to pay this insurance for 8 years. As you said, you can get 46,257.6 yuan after paying.
But the money will wait until 20 years later.
Personally, I think this insurance is not very good, and the income is not comparable to the current dividend insurance.
There is no comparability between the guarantee and the current pure guarantee type.
Even worse than the bancassurance products sold in the bank, but if LZ has started to pay the fees and it has passed 10 days, I personally suggest not to surrender the insurance. Generally speaking, surrendering in the first year will shrink your money by a considerable amount.
The only benefit of this product for you now may be that it can barely resist inflation, so that your assets can maintain their value, and then you can have a guarantee for yourself.
LZ, if there is anything you don't understand, or think I haven't expressed it clearly, you can continue to ask.