1. If the fee is deducted on the same day, you can ask for a refund at the counter of the insurance company immediately. There is no counter-offer, and the funds can be refunded through the relationship. If there is a counter-offer, the funds cannot be refunded.
2. In case of non-refunding, refund according to the amount indicated on the cash value page of the policy. This amount is on the back of the policy page, and the premium is several thousand. This cash value is very small.
3. The normal process is to go to the counter of the insurance company or ask the relevant salesmen to stop paying and surrender before the deduction in the coming year, and at the same time call the customer service phone of the insurance company to ask for the deduction notice, which is a double guarantee.
The short-term insurance is one year. It will be deducted automatically under normal circumstances. Before that, you should call the insurance company in advance and ask to stop paying, which won't be as troublesome as long-term insurance.