1. Surrender during the hesitation period: If you buy insurance during the hesitation period, you can refund the paid premium in full, but you may charge a certain fee, usually 10 yuan. If the main insurance is annuity insurance, the insurance company will refund all the premiums paid, that is, 100%.
2. Surrender after the hesitation period: If it is after the hesitation period after purchasing insurance, only the cash value of the policy can be refunded when surrendering. The specific cash value depends on the specific conditions of the policy. Refer to the cash value table in the insurance contract for details. If the main insurance is annuity insurance, after the hesitation period, the remaining premium will be refunded after deducting the number of days of protection and the handling fee.