The insurance agent of the bank is the product of the insurance company, which has nothing to do with the bank! That's an insurance wealth management product, which belongs to long-term investment. If you want to surrender in the short term, you will lose a certain premium, which must be noted! The essence of insurance is the guarantee function. If you just want to add value, I personally suggest that you still be a fund! That's not necessarily true. Some products may have higher interest rates, but not all insurance rates are higher than the same period.