Under normal circumstances, surrender will lose a lot at this time, but the question now is whether the problem of signing on behalf of you will become a factor that you can't get the premium. Here's the question. If you don't authorize others to sign on your behalf (authorization must be proved in writing, not orally), at this time, because you don't sign, you can go to the insurance company and ask the insurance company to surrender the insurance in full. If it is not signed by me, then the insurance contract cannot be established, and it should be no problem to ask for surrender. However, if an insurance accident occurs before you ask for surrender, the insurance company can refuse to pay for it on the grounds that you have not signed it in person, and only agree to refund the premium. From this perspective, surrender is also possible. You should buy life insurance from China Life Insurance Company. This product is still good, and the compensation amount is quite high. If the money is not needed urgently, I suggest not to pay it back. Because medical insurance is definitely needed. I suggest that when you buy insurance, you must pay attention to all kinds of matters, read the terms of the insurance policy carefully, especially the endorsement and fine print, and sign it yourself, otherwise you will not get the money from the insurance company in case of an insurance accident.