I won't give you a refund. Because in the telephone interview, several questions will be clarified, one of which is whether all kinds of signatures are signed by myself. If you answer yes, then the insurance company will sign it for you by default.

If you say now that you are not yourself, but a salesman, you are not telling the truth.

The problem is you, not the insurance company. So the insurance company will not give you a full refund.

It doesn't take effect until it is signed. Before you sign the contract, it will not take effect normally without signing it. But it has been signed now.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.