What we can do now is:
1 Let's first recall whether it was completely signed by ourselves from beginning to end, as well as health notification, income and so on. If it is negative, there is still a chance to apply for a full refund.
Besides, have you ever called back? According to the regulations of the China Insurance Regulatory Commission, all insurance products should be called back at 100% to ensure that customers know the insurance products and precautions they have purchased. If you haven't received a phone reply after signing the contract, you can apply for a full refund.
3 Surrender without objection will cause great losses, so it is suggested to go through the reduction procedures, that is, reduce the annual premium payable from 5,000 yuan to 1 0,000 yuan or 500 yuan, and refund the corresponding cash value according to part of the previous two premiums, so that although the insurance will continue to be paid, there is not much loss, which is better than surrender.
If you can try to reduce the amount of compensation, similar to the result of insurance reduction, the loss will be minimized, but it depends on the specific terms. Some dividend-paying products do not support reducing payment.
Finally, I solemnly advise you not to surrender your insurance unless you have to. Although dividend insurance has a long term and low income, it can force us to save some money. If you don't save it, you may not be able to keep it, and you may spend it casually. But insurance can force us to save some change that we don't need in a short time, and after more than ten years, we will find that we have accumulated a lot of savings.
I hope it can be of some reference value to you.
Honesty is the foundation of an enterprise's survival, and it is not aimed at any company, product or salesman.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.