Many marketing departments of our Hangzhou branch haven't got the detailed terms yet. I don't know how to start selling this new product so soon. If you buy this kind of annuity insurance, don't surrender. In that case, you might as well keep it in the bank for 20 years. After 20 years, if you cancel the contract and surrender, the income will be very low and you will definitely get it back. Dividends are paid by insurance companies according to their annual operating conditions, but you don't have to worry about China Life's dividends. Due to the special background, China Life can get it back.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.