1. When the applicant and the insured are not the same person, the applicant can voluntarily surrender the insurance, which has nothing to do with the insured and does not need the signature and any documents of the insured;

2. (The procedures for insurance companies to surrender are not exactly the same) Generally speaking, the procedures required for surrender include: the original policy, the applicant's ID card, the application for surrender (you can fill in the form at the counter of the insurance company), and the individual settlement account of the applicant (some insurance companies do not withdraw cash when surrendering, but transfer it to the applicant's bank account);

Under normal circumstances, the insurance company will try its best to advise you not to return the non-high interest policy, so please consider it carefully. If it is not necessary, it is best not to return, and there will be economic losses if you surrender;

4. If the applicant and the insured are the same person, they need to sign (still signing as the applicant);

5. In a few cases, it is not allowed to surrender (some early insurance contracts stipulate that it is not allowed to surrender after receiving survival money or claims), and most insurances can surrender, but there will be economic losses.

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