1, each application for insurance is valid only after it is confirmed by the staff of the insurance company, and it is valid without payment. You need to manually check whether you meet the insurance conditions. The insurance contract will take effect after the insurance company agrees to underwrite, and the specific effective date will be stated in the contract.
2. If you surrender your insurance within the hesitation period of 10 days, the insurance will also take effect. After the refund, the insurance can still be operated, and the insurance will take effect if it is successful.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.