I want to surrender?
[Lawyer's reply] With regard to surrender, I understand that you may not be satisfied with the existing insurance products or encounter capital turnover problems. From the legal point of view, surrender is indeed feasible, but the specific amount that can be returned and whether to bear liability for breach of contract need to be analyzed in combination with several key factors: first, it depends on which insurance product you purchased. For long-term life insurance or serious illness insurance, there is usually a hesitation period of 10-15 days, during which the full premium can be refunded. But after the hesitation period, the insurance company will return the insurance according to the cash value of the policy, and the loss of early surrender will be relatively large. Secondly, it is recommended that you carefully check the surrender terms in the insurance contract, focusing on the following contents: 1) the proportion of surrender commission; 2) Calculation method of cash value; 3) Whether there is any special agreement. Different insurance companies may have different surrender policies. In addition, if you want to cancel the insurance because of misleading sales or misunderstanding of terms, you can try to collect relevant evidence (such as sales recordings, chat records, etc.) and strive for a better solution through complaint channels. It is recommended that you contact the customer service of the insurance company to find out the specific surrender amount. If you have any objection to the calculation result, you can ask the other party to provide a detailed calculation basis. If the amount is large or there is a dispute, we can consider protecting our rights and interests through the complaint channels of the Insurance Industry Association or the CBRC. If necessary, I can help you review the contract terms or guide the preparation of complaint materials.