Just give my opinion based on my experience. First of all, if you want to get a refund from the insurance company, the sooner the better. If it takes more than half a year to file a complaint, the insurance company has every reason to reject your application. The reason is that you have enough time to think. Why not apply at the beginning of the question? Is there any act of deliberately concealing the facts? Secondly, it is easier to solve the problem if the agent is still on the job, and there is no need to go to court. The insurance company will punish the agent according to the quality management regulations, and even cancel the agency contract and report it to the blacklist if the circumstances are serious. If you decide to punish, it means that you can get a refund. As for you to get additional compensation, such as compensation for mental damage, you can only take civil action and go to court. Of course, the insurance company can give some shopping cards, fruit baskets, customer gifts and the like as compensation. But if you are a lion, you have to claim a lot of money. Or the company doesn't accept your reasonable request. That's really going to court.

Just to remind you, in court, you are a person and a big consortium. We ordinary citizens are still suffering. Try to negotiate out of court. What you need to consider now is not how to go to court, but how to report the situation to the insurance company and let them change their status and terminate the contract. Generally speaking, insurance companies attach great importance to credibility. If there is conclusive evidence and the agent admits his wrongdoing, then things will be very easy to solve.

One more thing to remind, the insurance company didn't know to sign the insurance policy when it received it. Making agent signatures is the behavior of salesmen, but most salesmen in China sign agency contracts and have no employment relationship with insurance companies. Therefore, if salesmen commit illegal acts outside the scope authorized by insurance companies, insurance companies will not bear the responsibility. At this point, the insurance company can completely beat you.