At present, the calculation method of the company's critical illness insurance surrender premium is interpolation, and the system automatically calculates it, which is about 30% of the premium paid. For details, please consult the customer service staff.
Insurance contracts usually stipulate the annual cash value. Look at the current cash value, which is the money that the insurance company will return to you after you surrender. Surrender in three years will lose the premium, which is not cost-effective.