This matter should be handled calmly. Call the insurance company first and ask how to pay this insurance and how to pay it when it expires. How to compensate for death? Understand the protection benefits, and then consult the specific amount if you surrender.

Last year's insurance must be that the insurance contract has been in effect for a long time. Missed the deadline for surrender within 10 days.

If you think this is a misleading purchase, you must have proof. Without evidence, empty talk is useless.

Insurance is an application, the receipt is only available after the insurance contract is signed, and there is a telephone call back.

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