The money returned by Ping An Wisdom Star Children's Universal Insurance is collected through the value of the universal account. After deducting the initial cost and guarantee cost, the annual premium will enter the universal account for compound interest. The guaranteed interest rate of this money entering the account is 1.75%, and the actual interest rate is between 4% and 4.5%. The income beyond the guaranteed interest rate is uncertain. The specific repayment situation is as follows:

1. After the annual payment, after deducting the initial cost and guarantee cost, the remaining money will enter the universal account and can be partially collected at any time. There is no specified time.

2. Ping An Wisdom Star Children's Universal Insurance belongs to China Ping An Children's Universal Insurance. The main insurance has the functions of life insurance and death protection. This is universal insurance. Paying premiums can be regarded as entering two accounts, one is a security account and the other is an investment account. The guarantee cost of this kind of insurance is not high, and at least the premium of 10 can guarantee the policy.

3. Generally, after paying 10 years, when the insured reaches the age of 15 to 17, he can receive part of the account value as the high school education fund every year, and when he reaches the age of 18 to 2 1 year, he can receive part of the account value as the university education fund every year. How much money can be refunded depends on the amount insured.