1. Application for termination of the contract;

2. Insurance contract;

3. Legal identity certificate of the insured.

Surrender is divided into the following two situations:

1. Surrender in hesitation:

Surrender in hesitation period means that the insured surrenders within the hesitation period stipulated in the contract. General insurance companies stipulate that ten days after the insured receives the policy is the hesitation period. Usually the insurance company will refund the full premium after deducting the production cost.

2. Normal surrender:

Surrender beyond the hesitation period is regarded as normal surrender. Usually, the insurance policy that has obtained the insurance premium may not apply for surrender. Normal surrender generally requires that the applicant can apply for termination after a certain period of time, and the life insurance company should refund the cash value of the policy within 30 days from the date of receiving the application. The cash value of a policy refers to the amount that can be returned when the life insurance contract is terminated or surrendered.