If the insured wants to surrender, he only needs to bring his insurance policy, ID card and bank account to the counter of the insurance company.
If you surrender within the hesitation period, you will be refunded in full according to the premium paid, and some products will be deducted a fee. For example, the health source of Tianan Life Insurance is a 90-day waiting period, which can be regarded as a 90-day unreasonable refund. In this case, you can surrender in full; After more than 90 days, surrender can only recover the cash value, which is generally low.