You can return the insurance,

Just provide the loan repayment certificate issued by the bank, my ID card and insurance contract, contact the account manager who handles insurance or go to the insurance company to handle it.

Second, can the loan be refunded after paying off the premium?

The premium can be refunded after the loan is paid off. Surrender requires the following materials: application for termination of contract; Insurance contract; Legal identity certificate of the insured. There are two kinds of surrender: hesitation surrender: hesitation surrender refers to the insured surrendering within the hesitation period agreed in the contract. General insurance companies stipulate that ten days after the insured receives the policy is the hesitation period. Usually, the insurance company will refund all premiums after deducting the production cost. Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract. From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management. Commercial insurance can be roughly divided into property insurance, personal insurance, liability insurance, credit insurance, subsidy insurance and marine insurance. Large categories are classified according to the scope of insurance liability, and small categories are classified according to the type of insurance subject matter. According to the scope of insurance, it is divided into: personal insurance, property insurance, liability insurance and credit guarantee insurance. 1. Fire insurance covers the losses caused by fire to the property stored in a certain geographical range and basically in a static state on land, such as machines, buildings, various raw materials or products, household appliances, etc. 2. Marine insurance is essentially a kind of transportation insurance, and it is the earliest insurance in all kinds of insurance business. The insurer is responsible for the loss of the subject matter insured caused by marine risks. 3. Cargo transportation insurance is cargo transportation insurance other than maritime transportation, which mainly covers the loss of goods during inland river, inland river, coastal and air transportation. 4. All kinds of vehicle insurance mainly covers the losses of all kinds of vehicles during driving and parking. It mainly includes automobile insurance, aviation insurance, ship insurance and railway vehicle insurance. 5. Engineering insurance covers all unexpected losses and personal injuries and property losses of third parties in various engineering processes.