Hello, this is a kind of bank insurance, which can be taken out when the contract expires and has not been cheated. But the deposit time is so long, it takes 20 years, and the general bank insurance is 5 years, 10 years.

It is not recommended that you turn yourself in. Now that the hesitation period has passed, it is definitely a loss to surrender now. You can call the customer service phone of the insurance company to find out how much money you will lose. Besides, if you don't want this insurance, I suggest you wait. General bank insurance will surrender the principal after several years, so there will be no loss (but it depends on what insurance company and what kind of insurance, so I suggest you call customer service). I hope my answer can help you!