First of all, safe and smart life is called universal insurance, but it does not guarantee universal insurance, but only reflects the convenience of payment. If you have dividends, you may have some money on your card, but not too much. Or your dividend may be put in the insurance company for compound interest. There are only two ways to withdraw money, one is a policy loan. Up to 6 months, there will be interest. Not recommended.

Second, surrender. You bought it in 2009. If you return it now, you will lose a lot. Not recommended!

Surrender is ok. How much can I get a refund? There will be a cash value statement on your own insurance policy. See for yourself. If you surrender your insurance, you will get a return of cash value, that is, the longer you pay, the more you will get.

I can only tell you weakly that you have been cheated!

Finally, it doesn't matter that you can pay later. This kind of insurance is an advantage, but you must pay for it. If you don't pay, you won't get the money you paid before for a long time.