If you surrender, you should normally return the cash value of your current policy MINUS the operating expenses of the insurance company. If you pay for three years, under normal circumstances, the return will not be lower than what you pay, otherwise there are many restrictions in the terms (in fact, that is unreasonable abroad).

Because you have just paid for three years, dividends and cash back will be less, and because the premium payment base is low, dividends and cash back will increase according to the accumulation of the fees you have paid.

If it is really paid for 20 years, it is definitely more suitable than depositing it in a bank, and it also has its own insurance clauses. Otherwise, this insurance product is basically scrap iron and smells like fraud.

My personal suggestion is: if you buy this insurance only for financial management, it is meaningless and you can surrender it. If you buy this insurance itself is a risk protection for your family, and financial management is only a secondary purpose, and you have the ability to continue to pay, then I think it is appropriate to continue to pay.

I am an insurance system developer, familiar with insurance business. I personally don't have extra funds (mortgage repayment accounts for a large part), otherwise I will consider buying some insurance products.

In fact, Ping An's insurance products should still be good.