For example, the cash value table of some insurance products will directly indicate the cash value of each year, and the insured only needs to look at the cash value corresponding to the year of surrender.
In some insurance products, the cash value table of the policy will indicate how much cash value 1 10,000 insured amount corresponds, and the insured needs to make a simple calculation. For example, the cash value table of an insurance policy shows that the insured amount of 10000 corresponds to the cash value of the fourth year 100, so if the insured amount is 500000 at the time of surrender in the fourth year, the cash value that can be refunded in that year is 50 * 100 = 5000.