Yes, you can. . Underwriting (that is, a department of an insurance company needs to see if it can sell you insurance) takes time, and applying for an insurance policy is not an insurance policy. The insurance company also gives you a hesitation period after you receive the policy, and it is also free to surrender during the hesitation period. Call the broker directly tomorrow and say, I wish I hadn't bought it. I'm sure the underwriting order hasn't been opened yet. It's nothing.

The calculation of dividends varies from company to company, generally speaking, it is calculated according to the cash value of the policy. However, how companies calculate the cash value of insurance policies is different. Therefore, it is unpredictable.

Supplementary answer:

An insurance policy is not a contract, but an offer. If it is a contract, why did you hand in the insurance application and be rejected when underwriting? If this is a contract insurance company, is it not a breach of contract?

I don't engage in insurance. I don't understand insurance law. It seems that the hesitation period of all insurance is 10 days, counting from the date you sign the policy receipt.

It is extremely difficult to predict income. You can see that when making an insurance plan, the agent will definitely give you a benefit statement and so on, and then just look at the cash value. As for dividends, just refer to the lowest dividend. Recently, the dividends of various insurance companies are all 3. About 3%.

Insurance is not savings. At first, insurance companies will deduct a large part of the premium, and rarely accumulate it into cash value. You mainly look at the cash value of each policy year, then look at the accumulated premium, and then add the lowest accumulated dividend to the cash value.

Just checked and calculated, if it is a double bonus C, it is still good, and the five-year income is about 6%. I don't know whether his bonus will be accumulated monthly or next year. So the five-year estimate is 6%.