I don't think so. You can't get back the principal and interest in one lump sum, because this is a life insurance, and it is a return insurance. After you are 60 years old, pay back the amount, principal and interest slowly. You have paid for three years, and if you want your money back, you can only surrender it. Under normal circumstances, whole life insurance can only get back the principal if certain conditions are met. For example, if the insured dies, the insurance company will pay all the insured amount according to the policy. There is also the case of surrender midway, and there is a fixed payment time limit in whole life insurance. If you surrender your insurance midway, the cash value of the policy will be refunded, and you will be guaranteed in whole life insurance for life. If you surrender midway, it is not cost-effective, and the cash value is not necessarily equal to the insured amount of the user, and there may be losses.

: 1. Personal insurance is a kind of personal insurance with the life of the insured as the subject matter and the life and death of the insured as the payment condition. Like all insurance businesses, the insured transfers the risk to the insurer, accepts the insurer's terms and pays the insurance premium. Different from other insurances, life insurance transfers the risk of the insured's survival or death. 20 17 12 1 the English translation and writing standard for public service was formally implemented, which stipulated that the English name of Life Insurance standard was life insurance.

2. When the insured has an insured accident, the insurer pays the insurance money. At first, life insurance was to protect the financial burden that unpredictable death might bring. Later, savings were introduced into life insurance, so insurance companies will also pay the agreed premium to those who are still alive when the insurance expires. Life insurance is a kind of social security system, and it is an insurance business with human life and body as the insurance object. For everyone, death, old age, disability, illness and so on. Are all dangers in life. We call it personal danger. From the perspective of the whole society, there will always be some people who have accidents, get sick and all kinds of dangers threaten people's lives at any time. Therefore, we must adopt a method to deal with personal danger, that is, give some material help to those who are in financial danger and their families. Life insurance belongs to this method. It is characterized by concluding insurance contracts, paying insurance premiums, providing protection for the insured, enhancing their ability to resist risks, making family financial planning, building a psychological defense line for you and your family, building a world of love and creating a better future.

3. Term life insurance means that the insured dies within the period stipulated in the policy, and the beneficiary of the death has the right to receive insurance money. If the insured does not die during the insurance period, the insurer does not need to pay or return the insurance premium, which is referred to as "term life insurance" for short. This kind of insurance mostly provides protection for the insured to engage in more dangerous work in a short time.