2. The specific amount that can be returned when surrendering insurance is clearly recorded in the "cash value table" of the insurance contract, and customers can check it by themselves.
3. Universal insurance sold by insurance companies mainly relies on premium investment and operation after premium payment, bringing profits to customers and companies. Before the premium is paid in full, although the investment premium has a small profit, its profit is not much surplus compared with the expenses such as agency commission and risk compensation paid in the early stage.
4. Reminder: the main insurance of universal insurance itself is not guaranteed, and the protection for customers is mainly realized through consumer additional insurance. Therefore, when the payment is just full, the principal cannot be returned in full.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.