After the hesitation period, you can't surrender in full. Generally, after a 10 day hesitation period, you can fully surrender your insurance. After the hesitation period, only the cash value at the time of surrender will be returned, and the cash value policy will indicate it.
A period of time after the insured receives the insurance contract and signs it in writing. During this period, the insured can apply to terminate the insurance contract, and the insurer will refund the premium paid after deducting the insurance fee. If you surrender after the hesitation period, you will lose part of the premium. In addition, most short-term insurance products have no hesitation period, and the purchase will take effect at a certain time, and the surrender will also bring you certain losses. When surrendering, you need to go to your insurance company to handle the relevant surrender business with your relevant valid documents. China insurance experts suggest that you choose insurance carefully to avoid unnecessary troubles after insurance.