Can Hezhongxin Times Annuity Insurance get its principal back when it expires?

You can't. Hezhongxin Times Annuity Insurance is the annuity insurance purchased by the insured. When the payment expires, the insurance company will only refund the cash value of the policy at that time, not the principal. Therefore, the annuity insurance of Hezhongxin Times cannot get back the principal when it expires. Annuity insurance means that the applicant or the insured pays the insurance premium in one lump sum or on schedule, and the insurer pays the insurance premium on an annual, semi-annual, quarterly or monthly basis on the condition that the insured survives until the insured dies or the insurance contract expires.