Hello, there is a hesitation period of 10 days after the insurance contract is delivered to you. You can surrender your insurance in full during the hesitation period, and only charge the handling fee within 10 yuan, or don't charge it. Your insurance policy should not be established yet, just in the insurance stage. You signed an insurance application form, not a formal contract. Now you can surrender your insurance. Contact the salesman and tell him not to take out insurance and ask him to refund your money. Don't wait until the contract is established. Moreover, even if the contract is completed, it needs your own signature, and then the contract is formally established. Without your signature, the contract can't be established, so the initiative is in your hands. If he doesn't return it, he will directly contact the local branch in Xinhua Life Insurance and find the backstage to handle it.

Generally speaking, it is best to choose the way of bank transfer to insure, and don't give the first premium to the salesman, so there is no risk. According to the insurance law, the salesman does have the right to collect the first premium, but generally it is not allowed to have a large amount. In the future, it is best to choose bank transfer for insurance.

Off-topic, auspicious supreme is not about a few books. I wonder if you have any insurance other than Auspicious Supreme? Auspicious Supreme is a good insurance in itself, which sells well all over the country, and pays attention to protection. Besides protection, there is also a certain bonus. It is a good insurance against major diseases and accidents. There is nothing wrong with the product itself. Maybe the salesman misled you when he introduced you, which made you misunderstand. It is recommended to carefully check the product terms before deciding whether to surrender. You can refer to the auspicious supreme related questions I answered.

Objective and pertinent suggestions, I hope I can help you. Good wishes!