In two cases, one is that the fee will be deducted only after you sign it, and you can do it without signing it. Another situation is that the insurance company will deduct the fee first. You can call their service number to apply for surrender during the hesitation period, but according to the general regulations, there will be a handling fee of no more than 10 yuan for surrender during the hesitation period. In a word, refusing and calling in time is the best way. Be sure to call the service number announced by them, not the business cell phone or anything like that. Without the recording, the insurance company will not recognize it. Pay attention to leaving evidence when negotiating.