However, according to the provisions of the insurance law, you may be considered as having no insurable interest without your consent, resulting in invalidity, and you have passed the ratification period (legal provisions 1 year).

But according to my experience, you can apply to the insurance company for surrender. Because when you surrender, the insurance company will basically not check whether your signature is signed by you. According to the requirements of the People's Bank of China and the Insurance Regulatory Bureau, you only need to bring your ID card, household registration book and the original insurance certificate to the counter. I hope I can help you, thank you!