There is no refund. You bought consumer insurance, and you chose monthly payment. This means that in the contract, you should call back in June+10, 5438. If you apply for surrender, you have to pay 2 months' money. You are useless for a month, so use up that month and the money is gone. Pay for 2 months, and you will have 2 months of protection. Anyway, all the money you pay is spent by you, and you enjoy security. If it is paid annually, for example, if you only use it for four or five months and then get a refund, you can probably get a refund for eight or seven months. Of course, after deducting the handling fee, there is basically not much refund.

I also received a phone call from the insurance company through my credit card. I never said I had insurance. Thank you. They must be talking nonsense. In fact, I have compared it, which is much more expensive and more lethal than the insurance I bought myself.

If you surrender now, the insurance company can do whatever it wants. You must have lost money anyway.