You can find out your insurance contract, which contains a cash value table (that is, the amount you can get when you surrender) to see if surrender after one year is a 3.5% appreciation.
This product is a product that directly reflects the interest rate of 3.5% after the personal insurance premium was changed in 20 13 years. It is also the main product of PICC Health at the beginning of each year and will not be sold after the end of the year. It is really irresponsible for some people who don't know about the product to answer at random based on their own experience. The landlord can search online for official website's introduction, and his benefits are all in PICC Health.
I hope I can help you, and I hope to adopt it!