According to the topic, this kind of insurance is generally endowment assurance or annuity insurance and other products. Whether you can get it back with interest depends on the specific protection content of insurance products. Below, senior sister will tell you about these two kinds of insurance.
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1, All Risks
Endowment assurance is an insurance that guarantees both survival and death. Generally, it includes death insurance and expiration insurance. Among them, the maturity insurance premium means that the insured survives until the insurance period expires, and the insurance company will make claims. Generally, the basic insurance amount is paid, or the premium has been paid. Among them, this basic insurance amount will generally be greater than the principal, so if the two insurances purchased pay the basic insurance amount, it can meet the needs of everyone to get back the interest after the expiration of the guarantee period.
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2. Annuity insurance
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.
According to different insurance contracts, the payment content of annuity is also different. Suppose you buy an annuity insurance with a guarantee period of 15 years and start paying the annuity in the sixth year. If you want to get it back with interest, you need to choose to surrender. If you surrender, it depends on whether the cash value at that time exceeds the premium paid.
Similarly, I also compiled a popular science article about annuity insurance for you. You can know: is annuity insurance good? Is there anything to pay attention to? Do you have any good products?
The above is all my answers to this question, I hope it will help you!
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