You can start from the following aspects:

1. According to the "Insurance Law", insurance with death as the payment condition requires the signature of the insured, otherwise it will be invalid. Because the insurance contract has not been signed and confirmed by the insured, it is an invalid contract. The invalid contract is invalid from the beginning and should be returned to the state before the contract was signed. Therefore, the insurance company should refund the insurance premium;

2 . Although it was wrong to conceal the medical history, the insurance company’s salesperson was at greater fault. The most important evidence was that the policy holder and the insured did not sign. Since the insured did not sign, the insured lost the ability to truthfully inform the policy. Chances of health status, so the main reason for not notifying the health status is the insurance company. Therefore, the insurance premium cannot be refunded simply because the health status was not truthfully informed, or only the cash value should be refunded. Instead, the faults of both parties should be considered comprehensively. The ideal result is Refusal to claim compensation, terminate the contract, and refund the insurance premium in full.

Of course, you still have to communicate well with the claims department of the insurance company.