Policy loans are lent at 70% of the cash value. Check the cash value in the cash value table of the insurance contract. The loan interest is the interest of the bank's two-year time deposit +2.5%. After the policy loan expires, the loan can be continued. You are a wholesale product. If you surrender for two years, you will not only lose money, but also have less principal. You can break even after three years.

Insurance can only get a certain income if it is stored there until it expires, otherwise it is not cost-effective. If no one tells you when you buy it, it is really misleading.