First, because I didn't sign it or didn't agree to buy it, after the insurance contract came into effect, there was a hesitation period of about 10 days until the insurance came into effect. If I know that I didn't sign the insurance, raised no objection and didn't surrender the insurance, the insurance company will think that I agree to buy the insurance, and I don't know if I signed it. Even if you are in danger, you need to check the signature handwriting of the insured and the insured when making claims. You also have the right to refuse the claim if it is confirmed that you did not sign it yourself.

Second, since the contract has come into effect, or the contract has passed the hesitation period, it is a unilateral breach of contract if the surrender is proposed. Of course, according to the relevant provisions of the Insurance Law, the insurance company will refund the cash value and the corresponding dividends and investment income generated within one year in accordance with the provisions. However, the corresponding security costs and operating costs must be deducted. In other words, there will be losses.

It is suggested to use policy mortgage loan, partial collection, reduction and settlement, etc. , are unnecessary to surrender. Moreover, it is necessary to supplement the signature information of the applicant and the insured, so that insurance can truly conform to the insurance rules stipulated by law.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.