The product has a term of five years and can be withdrawn every year without deduction. To put it simply, this product should expire in one year! Just withdraw money after 1 year = 1, 000 = 10350 yuan. Now the annual interest rate of 1 is 3.25, which is equivalent to 3.5 in the first year. No interest for more than 2 years, 2 years is not appropriate. 3.75 This product will be boring for 2 years.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.