理财专家建议:●想提前退保,先看现金价值。●实在想退保,也应该在保单生效两年以后。两年前,王女士购买了某保险公司5万元的一份保险,5年后返还本金和部分收益,同时,提供意外死亡保险保障。今年6月份,王女士购买了一辆家庭用车,感到手头资金紧张,于是想起了这份保单。当她到保 Financial experts suggest: ● want to surrender early, look at the cash value. ● Really want to surrender, it should also take effect two years after the policy. Two years ago, Ms. Wang bought an insurance of 50,000 yuan from an insurance company and returned the principal and part of her profits five years later. At the same time, she provided accidental death insurance coverage. In June of this year, Ms. Wang bought a family car and felt the cash on hand and thought of the policy. When she arrived Paul