The insurance company sells you a policy by telephone, with an unknown amount, but you have to pay it to 98 yuan every month, otherwise the policy will be invalid. If you surrender, you may be able to refund some money (if you pay enough base). If this credit card is cancelled only a few times, the policy associated with this credit card will lose its payment channel and become invalid after a period of time. I suggest you consult the specific content, coverage and amount of this policy.