Xiao Nuo answer:
Hello!
If the applicant wants to surrender, he can take the insurance policy, ID card and bank card and go directly to the insurance company to surrender. But surrender is mainly divided into hesitant surrender and normal surrender. Details are as follows:
1, hesitate to surrender
Surrender in hesitation period means that the insured can surrender within the hesitation period stipulated in the contract. At this time, surrender can refund all premiums.
Step 2 surrender normally
Surrender beyond the hesitation period is normal surrender. Generally, the cash value of the policy will be refunded within 30 days from the date of receiving the applicant's application. However, it should be noted that normal surrender can refund the cash value of the policy, not the full premium.