I bought China Shouruixin dividend insurance for my children. Can I get the principal back after paying 4000 a year?

It depends on the terms of the contract. China Life Credit Suisse Dividend Insurance is applicable to children born 30 days ago to healthy people over 50 years old. Payment period 10 year, and the insurance period is as long as the insured reaches 80 years old. There are various insurance benefits that can meet the diversified insurance needs of the insured, such as savings and investment, medical care, personal security, old-age security, and urgent need for loans. This kind of insurance has six important insurance functions:

1. Receive nursing money on a regular basis: the insured receives survival insurance money at 8% of the basic insurance amount every three years, which can be used as a supplement to the children's education expenses and also as the daily living expenses of the family.

2. Value protection fund: If the insured dies of illness within one year after the policy comes into effect, the beneficiary will receive the principal without interest according to the premium paid by the insured, and the contract will be terminated; If the insured dies of accidental injury or illness one year after the policy takes effect, the beneficiary will receive the insurance money at three times the basic insured amount, and the contract will be terminated.

3. Worry-free medical insurance for serious illness: after the policy takes effect 1 year, the insured suffers from one or more of the major diseases listed in the policy 12. Once diagnosed, you can receive the premium of critical illness insurance in advance according to three times the basic insurance amount, so as to ensure timely treatment and safeguard the dignity of life.

4. High reserve pension: When the insured reaches the age of 80, he can receive the due insurance money at 3 times of the basic insurance amount on the effective date of the current year, which can be used as pension expenses and children's welfare.

5. Annual dividend: The insured can enjoy the dividend every year according to the operating conditions of China Life Insurance. The dividend can be collected in cash or accumulated with compound interest, which can effectively resist inflation and be used flexibly.

Inconvenient verb life is in urgent need of loan funds: If the insured is in urgent need of funds, he can apply to China Life Insurance for a loan with the cash value of the policy within 70% by way of policy loan.

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