In 2006, the salesman of Pacific Life provided me with Ruyi Ankang old-age security, Ruyi Ankang critical illness insurance and peace of mind hospitalization medical insurance. A few days after filling out the insurance application, I went back on my word and wanted to surrender. The salesman told me that it would cost a lot of money to surrender, and I didn't want to return it. After a period of time, I was given a contract, so I paid the premium for two years, and once I spent more than 500 yuan on infusion in the hospital. At the beginning, the salesman told me that as long as the reimbursement is above 100 in the hospital, even ordinary small intestines will be reimbursed. As a result, the salesman found the company and said that he had to be hospitalized before he could report it. Later, I felt a little cheated, so I cancelled my hospitalization. I bought other dividend insurance in other companies this year. I knew that the customer would sign the receipt and the contract would take effect. There was a ten-day hesitation period, but I didn't sign the receipt at first. I didn't know there was a ten-day hesitation period. After I filled out the insurance application form with the salesman, he said I wanted to surrender. I found their company a few days ago and asked for surrender, saying that I could only return the cash value of the policy. I said that I didn't sign the receipt at that time, so I asked them to call up the receipt at that time in the computer to see if the handwriting was written by me. As a result, they said they couldn't find the receipt at that time, and I wanted to consult. If I didn't sign the receipt at the beginning, but the salesman signed it for me, the signature of the insured on that policy was not signed by me before, and they filled out a new policy and signed it for me. Moreover, their salesman concealed from me that there was still a ten-day hesitation period after returning from the formal contract, and I didn't know that the customer would sign for it. Is the contract established? If I know the truth and ask for surrender two years later, will it be my own loss? The insurance company and the contract are suspended now. Has it passed the suspension period and what will happen after it expires?