2. Ping An Li Hong is the death insurance premium+annual dividend+8% of the insured amount returned every three years, which means returning it once every three years (you have five copies, which means 4000 yuan every three years). You were insured at the end of 2002, so the first time should be returned at the end of February 2005, the second time at the end of February 2008 ... and so on.

As the friend above said, if you have to leave, there is nothing you can do. The sooner you leave, the better. Surrender is the return of cash value+annual dividend+unexpired survival fund;

4. If you only need a sum of money temporarily, you can consider a policy mortgage loan with a term of no more than 6 months and no more than 80% of the cash value. You can pay it back when it expires, and then borrow it;

If you can't wait for the money, I suggest you continue to pay the premium. This insurance is still good;

6. If you really don't want to continue to pay the fee, you can reduce it as the friend above said (your policy has a reduction statement, I don't know the exact figure, just say 20 thousand). After paying the reduction, you don't have to pay every year, but your original coverage is 50 thousand, and now it's 20 thousand In the future, the insurance company will either lose money or you will receive the money according to 50 thousand, but 20 thousand

7. There may be something you don't understand. You said it was insured at the end of 2002, so the insurance premium should be the seventh time at the end of 2008, not the seventh time;

8. In addition, the cash value at the end of the ninth year is lower than that of the eighth year, because you can get a survival allowance of 4,000 yuan at the end of the ninth year. Together with this 4000 yuan, it is higher than the eighth year. And you should pay attention to the fact that every integer multiple of three years (such as the end of the third year, the end of the sixth year and the end of the ninth year), the cash value will be lower than that of the previous year ...), because you can get a survival allowance every three years.

9. At present, China Ping An Life Insurance Company of China Insurance Company is providing a life-long interest-bearing service. If the insured does not receive the dividend and survival money, the money will remain in the insurance company, and the insurance company will pay interest according to compound interest. Of course, the insured must first go through the formalities with the insurance company with his ID card and insurance policy. This program is free.