Hello, your mother bought this kind of wealth management product belonging to the insurance company, which is specially sold in the bank. The contract you signed is also signed with the insurance company, and the bank is only the manager. If there is a dispute, the bank can blame it. This product can be understood as a regular wealth management product. Although it expires in five years, it is ok to take it out after two years. Although I surrendered my insurance halfway, the principal is still there, and there is not much income at most. It's about the same as our savings now. Therefore, when you go to the bank to handle business, don't listen to the staff inside to sell you so-called high-yield insurance products. Except for the short-term wealth management products sold by banks themselves, nothing else can be guaranteed. However, you should pay more attention to the products involving bancassurance, and you'd better consult an insurance professional. If you have any questions, you can add I hope I can help you.