2. The warranty period stipulated in the clause is 10 or 20 years. From the third year onwards, 1% of the total premium will be refunded every year until it expires. And refund all the insurance premiums paid.
The terms are so clear that it is impossible to get back the principal and interest within two years. Not only the principal can't be repaid, but also the interest can't be taken out, because the so-called interest will be repaid from the third year.
4, don't blindly listen to the misleading of sales staff, you have to read the terms or ask relevant professionals.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.