To apply for insurance, you need the ID card and bank copy of the policy holder, and your signature is required to successfully apply for insurance. If you don't do these things, the insurance is not complete. Even if the insurance has been successfully purchased and the payment has been deducted, there is still a 10-day hesitation period after the insurance contract is issued. During this period, you only need to pay a cost of 10 yuan for surrender, and there will be no other losses.