If whole life insurance takes it out after five or eight years, it can only get the cash value through surrender. But if it is only five or eight years, the cash value may not be so high, even lower than the premium paid.

Most whole life insurance in the market can't collect it halfway, but will only increase the insured amount year by year; In addition, some whole life insurance can receive the cash value halfway, but after receiving the cash value, the insured amount will also be reduced. For example, in this whole life insurance, the cash value can be the same as the insured amount in the later period.