Pay 6000 yuan annually for 4 years, and the net account value (excluding interest and margin deduction) = 6000 * 50%+6000 * 75%+6000 * 85%+6000 * 90% =18000 yuan.

There is no policy loan function in the product terms, so policy loans should not be supported. If you need to use money to surrender, the cash value is equal to the account value, similar to the above calculation.