Bank of Communications and insurance companies have a good cooperative relationship. Sometimes credit card (debit card) customers will get a call from the Credit Card (Debit Card) Center of Bank of Communications, and then the salesman will start selling insurance. This kind of insurance product is actually genuine, and the product itself is credible. However, telemarketing has great limitations, and many customers often take out insurance without knowing the terms and contents of insurance, so there is a dispute over surrender.