First, your father is responsible as an applicant, because he signed it on his behalf;

Second, the important responsibility lies with the sales staff. First of all, you should make sure that the dividend of dividend insurance is uncertain, and you can't specify how much or even the percentage of dividend. If it is mentioned in sales, it is misleading sales, and your father should seize it. At the same time, the insurance policy signed should not be underwritten by the underwriting department of the insurance company, and the return call should also be made to you and your father. If you haven't received it before, it's the responsibility of the insurance company.

Third, if the policy has passed 10 days, then you can take the contract and remember the main points I mentioned last point, and go to the insurance company to ask for a refund of all the premiums and interest losses. If they try to appease you in various ways, you can just say: solve it or see the supervisor.

Fourth, generally do not go to the China Insurance Regulatory Commission. If so, you should go to the China Insurance Regulatory Commission to report the case, but the processing time is longer.

Fifth, the product itself is not deceptive, but misled by too many salespeople. Do it if you don't have much money, otherwise the whole premium recovery process will be in trouble.