Whether you can get back the principal after the insurance expires depends on what insurance you buy. If you buy: pure consumption (such as term life insurance) is a financial management type that can't get back the principal. Generally, it is guaranteed, and you can get back the principal after maturity; Everything depends on the amount of payment, the level of insurance and the age of the insured. To determine whether it can be returned; Serious illness and accidents (except consumption) are ultimately insured, and as long as the premium is not upside down, it can be returned.

1. Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property losses caused by the possible accidents agreed in the contract, or the insured is liable for paying the insurance premium when he dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.

Second, from the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.

Three. 1929165438+1October 20th, Taiping Insurance Co., Ltd. was established in Shanghai, with several branches in China, Hongkong, Southeast Asia and other places, and became a national insurance company with considerable strength in China insurance market at that time. 1949, 10 10 On October 20th, China People's Insurance Company was established in Beijing, announcing the birth of the first national large-scale comprehensive state-owned insurance company in New China.

Four. On October 30th, 2006,5438+01200612006, with the approval of the State Council and China Insurance Regulatory Commission, Taiping Life, which was founded in Shanghai on October 30th, 1929 and moved to Hong Kong to specialize in overseas business for nearly half a century, fully resumed its domestic life insurance business, becoming the sixth national life insurance company.

Five, liability insurance is based on the civil liability of the insured. Whether it is an enterprise, a group, a family or an individual, in all kinds of production and business activities or daily life, the economic compensation liability that the victim should bear according to the law or contract can be compensated by the insurance company after taking out relevant liability insurance.