First of all, if the person from the insurance company said in the phone recording at that time, "There will be financial losses if you surrender the policy," then it is impossible for your money to be refunded to you in full. , because he has told you that there is a loss.

Secondly, regarding the "surrender" section of the insurance contract, there is a clause that clearly states that "if the policy is surrendered, the premium can only be refunded according to the cash value of the policy at the time of surrender", and , the "cash value" of the policy is different in each period, and there is a special "cash value table" attached to the contract.

Third, for refundable insurance like this, you need to sign an acknowledgment receipt after receiving the contract. Then someone from the insurance company should call you and take you to "read the contract." It means that you take the contract and he will tell you on the phone where some of the clauses you should pay attention to are generally including the five aspects of "insurance liability", "premium payment", "disclaimer", "claim settlement" and "surrender". If he calls you and shows you the contract, it is equivalent to telling you again during your hesitation period that you will suffer losses if you surrender the policy.

So in this case, all parties indicate that you know that you will suffer losses when you surrender the policy, and the amount of losses is written in the contract, and there is no concealment to deceive you. In this case, even if you complain to the China Insurance Regulatory Commission There is no other way (if you complain on the grounds that he did not tell you clearly on the phone how much loss you will suffer, the loss is inconsistent because the insurance is surrendered at different times, some may only lose 20, and some may lose up to 70) )

If he did not tell you clearly that there would be a loss on the phone before underwriting, but vaguely avoided the topic, and later did not take you to read the contract (or read it If I didn’t ask you to check the surrender part at the time), then you can go to the Insurance Regulatory Commission to complain about his misleading when selling. Only in this case can you get back all the premiums.

As for your supplementary question, it is like this. Every insurance company’s telemarketing project has “bank channels”, and there is no bank that has never sold their customers’ information to them. The insurance company has passed it (and the selling price is not low). Everyone in the industry knows this. The implications are too great. You can't win on the topic of "bank leaking user privacy" by yourself. Yes, and what the bank leaked is actually very clever. Although it has given all your information to the insurance company, the insurance company will definitely ask you to give your own information (ID card, address, etc.) when contacting you. Bank card number) I have said it again, so even if you pursue it, the bank will only admit that it only leaked your name and contact number. This can be found online, so it cannot be regarded as leaked. "Important "Privacy" and "infringement", even if you pursue it, there will be no results.

PS: Regarding the sister who stayed on QQ before, you have been working in insurance for 5 years, and you still say such unprofessional words as "banks sell insurance", I really want to laugh! Those who sell insurance in banks are all from insurance companies. The ones sold in the lobby of bank online stores are called "bancassurance" or "bancassurance channels." The ones sold over the phone in the name of banks are called "telemarket bank projects." , it’s just that the name is different. In fact, all the staff are from insurance companies and not a single one from the bank (at most, the person at the bank counter will recommend it to you and then ask you to find a colleague. In fact, it is also to find someone. He is just a bank insurance officer, he only serves as a recommendation, not selling). So, I really doubt whether you have ever worked in a large formal insurance company