My husband is a Chinese American. My husband and I went to America. I started to pay endowment insurance in 2004. I want to go to America. Can I get a refund if I pay the old-age insurance premium?

According to China's social security policy, China's old-age insurance system guarantees the basic life of citizens with China nationality after statutory retirement; Immigrants who go abroad can apply for surrender with relevant certificates, and return the personal payment part of their personal accounts; If it is a country that has signed a social security agreement with China, it can continue the pension relationship (at present, China has only signed a labor and employment pension insurance agreement with Germany). As you are an American, you can apply for surrender. In addition, China recently promulgated the relevant pension insurance regulations for overseas Chinese working and retiring in China. If you want to return to work and retire in the future, you can also apply in China as returned overseas Chinese.