Hello! Glad to serve you! The till is a product of Xinhua Life Insurance Bank. When you say five years, do you mean five years for payment? Or is the guarantee period five years? If the guarantee period is five years, the principal and bonus can be withdrawn at the expiration of five years. If the payment period is five years and the guarantee period is twenty or thirty years, then if the policy is terminated midway, it is surrender, and the cash value is received, which will lead to losses. If you need money urgently now, you can take advantage of the loan function of the policy and take your ID card, insurance contract and bank card to the local customer service center of Xinhua Life Insurance, which is very convenient.