■ There is cash value in the contract, so the above amount is refunded because it is calculated on an annual basis.

■ The annual salary is more than 3,000. If I surrender my insurance within 1 1 day after I get the insurance contract, I can only refund the cash value. /kloc-surrender in 0/0 day, no loss, and surrender in full.

■ So, look for an insurance contract. All life insurance has a cash value table.

■ If your contract has not been received, you should ask for surrender within 10 days from the date of receiving the contract. Remember to write the date on the courier. Because insurance contracts are usually mailed. If you want to write a receipt, the receipt must also write the date received on the same day. Don't worry, the insurance company will give you a refund.