据百度百科解释，“犹豫期”是指投保人在收到保险合同后10天（银行保险渠道为15天）内，如不同意保险合同内容，可将合同退还保险人并申请撤销。在此期间，保险人同意投保人的申请，撤销合同并退还已收全部保费。该10天（银行保险渠道为15天）即通常所说的“犹豫期”，也称为“冷静期”。

“犹豫期”的英文表达如下所示：

1. Cooing-off period

定义：A “cooling-off period” applies to all individual life insurance policies sold in Hong Kong, to allow policyholders to review the terms and conditions of the policy after the purchase. During the cooling-off period, the policyholder has the right to cancel the policy. Insurers should offer a full refund of the insurance premium paid or an amount less a “market value adjustment”, if applicable . The cooling-off period is 21 calendar days immediately following the day of delivery of the policy, or the Cooling-off Notice to the policyholder or the policyholder’s nominated representative (whichever is earlier).

例句：

原文：

An authorized insurer is required to deliver the Cooling-off Notice to the policy holder or nominated representative of the policy holder in accordance with paragraph 5.5(c). The authorized insurer should include the following information in the Cooling-off Notice:

(a) the availability of his/her life insurance policy and the expiry date of the Cooling-off Period;

(b) the right to re-consider his/her decision to purchase the life insurance product within the Cooling-off Period;

(c) the right to obtain a refund of premium paid if the policy is cancelled within the Cooling-off Period;

(d) the contact information of the customer service department of the authorized insurer (including the address, service hotline number and email address); and

(e) a reminder that if the policy holder or the nominated representative of the policy holder does not receive the policy within 9 calendar days after delivery of the Cooling-off Notice, he/she should contact the authorized insurer.

译文：

获授权保险人需按照第5.5(c)条的规定向投保人或投保人的指定代表交付冷静期通知书，该通知书应包含以下内容：

(a)投保人可获得人寿保险单，以及冷静期的到期日；

(b)投保人有权在冷静期内重新考虑其购买人寿保险产品的决定；

(c)若投保人在冷静期内取消保单，则投保人有权从保险人处获得其缴纳的保费；

(d)获授权保险人客户服务部的联系信息（包括：地址、服务热线和电子邮箱）；以及

(e)提示信息，即若投保人或投保人的指定代表未在冷静期通知书交付后9个日历日内收到保单，应联系获授权保险人。

2. Free look period

定义：Variable annuity contracts typically have a "free look" period of ten or more days. During this period, you are free to terminate your contract without paying any surrender charges and you will receive a refund for the amount you paid. The "free look" period is a time for you to continue to ask questions so that you understand the variable annuity and are sure that it is right for you.

例句：

原文：

(a) If the buyer's guide and the disclosure document required by this subchapter are not provided at or before the time of application, a free look period of at least 15 calendar days must be provided during which the applicant may return the contract without penalty.

(b) Notice of the free look period required under this section must be provided to consumers in a notice that is included on or attached to the cover page of the delivered annuity contract. The notice must prominently disclose information concerning the 15-day free look period.

(c) The free look period shall begin on the date the consumer receives the annuity contract and shall run concurrently with any other free look period required under the Texas Administrative Code, the Texas Insurance Code, or another law of this state.

(d) An unconditional refund without penalty for purposes of this section for variable or modified guaranteed annuity contracts shall mean a refund equal to the cash surrender value provided in the annuity contract, plus any fees or charges deducted from the premiums or imposed under the contract.

(e) The refund and free look period requirements in this section do not apply if the prospective owner is an accredited investor, as defined in Regulation D as adopted by the United States Securities and Exchange Commission.

（28 Tex. Admin. Code §3.9711）

译文：

(a)如果未在申请保险时或申请保险之前提供本分章要求的买方指南和披露文件，则必须提供至少15个日历日的犹豫期，在此期间，投保人可退还保险合约，且不会产生罚款。

(b)本节规定的犹豫期通知书必须通过列于或附于已交付年金合约封面的形式向投保人提供。该通知书必须在显要位置披露有关15天犹豫期的信息。

(c)犹豫期应自投保人收到年金合约之日起算，并与《德克萨斯州行政法典》、《德克萨斯州保险法典》或德克萨斯州其他法律规定的任何其他犹豫期同时执行。

(d)就本节而言，变额年金合约或修正式保证年金合约的无条件退款（无罚款）应等于年金合约规定的退保现金价值加上从保费中扣除或根据合约征收的任何费用或收费。

(e)如果潜在所有者属于美国证券交易委员会通过的D条例中定义的合格投资者，则本节有关退款和犹豫期要求的规定不适用。

来源：

百度百科；

https://education.ia.org.hk/en/tool/glossary.html；

https://www.ia.org.hk/en/supervision/reg_ins_intermediaries/files/cooling_off.pdf；

https://www.investor.gov/introduction-investing/investing-basics/glossary/free-look-period