In fact, the Kangshun series products bought by Taikang are mainly based on protection, and dividends are just a gimmick. It can only be said that the money obtained after 20 years may not be lost or not.

Taikang's Kangshun B 10 years, 30 years, the security function is the same as Kangshun, but the rate is lower than Kangshun, taking 20% of the income and no dividends. If you value protection.

If the economy permits, don't return it. If you return it, you can only get back less than 30% of the money, and you can only buy a guarantee. If you are really hospitalized, you can claim compensation, and your income is definitely not available.

Extended data:

The consequence of the termination of an insurance contract refers to the retroactivity of the termination of the insurance contract to the rights and obligations of the original insurance contract. According to the provisions of Article 30 of the Insurance Law, an insurance contract is not retroactive to the following situations:

(1) If the insured intentionally fails to perform the obligation of truthful disclosure, the insurer will not refund the insurance premium;

(2) If the insured, the insured or the beneficiary is terminated due to fraud, the insurer will not refund the insurance premium;

(3) If the applicant requests to terminate the insurance contract, the insurance premium collected by the insurer from the effective date of the contract to the termination of the contract will not be refunded after the insurance liability begins.

Baidu encyclopedia-insurance cancellation

People's Daily Online-Yongan Insurance Dilemma: Weak revenue and profit directly downgrade the risk rating.