You can find a lawyer when you surrender. It should be noted that you need to charge a certain lawyer's fee to find a lawyer. The charging standard depends on the actual situation of the policy and the situation of the local law firm. Of course, the specific situation depends on the outcome of the negotiations between the two sides.
The policyholder returns according to the cash value of the policy. Generally speaking, compared with the premiums already paid, the loss of surrender is still great.