Let me help you analyze it. Here's the thing. On the first few pages of the insurance contract, there are several records about the cash value. The first column above is "cash value corresponding to basic guarantee", which is probably the corresponding amount in the first year and the second year, and so on. At this time, you can see what amount corresponds to the 36th year at the end of the policy year, which is the result of how much you should receive. Generally, only a little balance can be withdrawn.
Generally, the longer the time, the smaller the loss. In addition, if you surrender your insurance in advance, you will definitely not get your premium back.