How can I get the full amount back when I surrender?

1 Surrender within the hesitation period

When the purchased insurance has a hesitation period, you can apply for full surrender during the hesitation period, but a fee will be deducted. The hesitation period is usually 18 days or 15 days after signing the policy in writing, which is also called the cooling-off period. At this time, if you surrender, you can get back the full amount.

2 The insurance salesman violated the rules.

In the process of purchasing insurance, if the insurance salesman handles the insurance through illegal operation, the insured can apply for full surrender, such as signing on behalf of others, misleading sales, exaggerating insurance sales, etc. After collecting information, the insured can apply to the insurance company for full surrender.

I didn't sign it myself

Insurance contracts generally require the signature of the insured. When the insurance contract is not signed by the insured, then the insurance contract is invalid and the insured can apply to the insurance company for full surrender.