I probably checked, and the terms of this insurance are like this.

From the effective date of the policy to the age of 60, the money will be refunded at 10% of the insured amount every year.

15 to 17 three-year policy anniversary, double refund on the basis of the first item.

18-2 1 four-year policy anniversary, and four times more money will be returned on the basis of the first item.

On the anniversary of the 60th birthday of that year, the due survival fund will be paid according to the insured amount.

If he dies before the age of 60, he shall be compensated according to the larger amount of premium paid and the present value of the policy.

If the insured dies or is totally disabled due to accident or illness during the payment period (provided that the insured is between 18 and 60 years old at that time), the future premium can be exempted.

Because I don't know what your salesman told you. But if you follow the following rules, there should be no problem with this insurance.

Suppose that the amount returned normally doubles every year.

After one year (or from the second year), the money will double every year.

Children between 15 and 17 years old, return twice as much money as usual every year.

Children between 18 and 2 1 year-old will be refunded 5 times the usual money every year.

The child is 60 years old, and the money returned in that year is 1 1 times as much as usual.