I bought Xinhua Life Insurance C, paid for 20 years, and guaranteed for life. I want to ask, can I get my principal back after 20 years? How much can I take?

Look at the insurance contract, whether there is a guarantee responsibility to ensure survival. If you have the responsibility to ensure survival, you can return certain guarantees without serious illness. The specific year depends on the terms of the insurance contract. If you want to get your money back in 20 years, if it is not a guarantee responsibility, you can only choose to surrender, but you can only refund the cash value. The specific cash value will be lower than the principal amount.