1. If you apply to surrender the policy during the hesitation period of the policy, the insurance company will only deduct a small cost at most, and the remaining premium will be returned to the policyholder without interest. At this time, there will be no loss.

2. If you apply to surrender the policy after the hesitation period, the general insurance company will only refund the cash value of the policy, but if the policyholder or the insured can provide complete, clear and true evidence to prove the insurance If the company has violated regulations, for example, insurance salespeople induce consumers to buy insurance, deliberately exaggerate the value of insurance, sign on behalf of customers, etc., we can also require the insurance company to refund the policy in full, so that we will not lose money.