Premanand Maharaj Ji
Why is saying 'I surrender' not enough to be fully surrendered?
Surrender of speech, body, mind and self
Surrender is often only in words, not yet in body, mind or the sense of self. When the self surrenders, everything else follows.
It is only in speech, not in the body, not in the mind, and not in the self. When surrender happens in the self, all surrender will happen.