/kloc-accidental death under 0/5 years old.

Due to the following circumstances, you can surrender your insurance and refund your fee:

1, reaching retirement age, not meeting the payment conditions 15 years (full payment of personal account deposit);

2. The insured dies for some reason (personal payment and interest);

3, the insured person to settle abroad (personal payment and interest);

4. After retirement, there is still a balance in personal accounts (personal contributions and interest).

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.