Hello, the endowment insurance for urban and rural residents is paid only at the age of 60 13 years. It should be refundable after three years.

Another way is to make up the money. There's only one way to pay it back. Suppose you reach the legal retirement age, you are 60 years old. Both men and women must be over 60 years old, but there is no minimum payment period 15 years for your old-age insurance for urban and rural residents. In this case, it is allowed to pay 15 in one lump sum, directly retire and enjoy the pension benefits of residents.