The insured has not signed the insurance contract. Has the contract come into effect? How to refund the surrender?
Now, whether it is an invalid contract or a normal surrender, it can only be the cash value of the policy. Therefore, it is suggested that your husband supplement his signature when insuring and continue to pay, so that your contract can be normal and effective. I believe that when you insured him, it was also to give him and your family an extra guarantee. I also believe that you also recognize that policy, so you will buy two copies together. If you continue to pay, you will lose money if you surrender.