Where to surrender Double Happiness? When is it better to surrender the A section of Double Happines

Since it is insurance, it can only be refunded to the insurance company, and the bank cannot refund it.

Hit ** ask them about the nearest office location to you, bring the insurance policy, ID card, passbook to handle it, I remember that there is a Xinhua building in Yong'an Lane to the east of the International Trade Center.

In addition, you need to be reminded that you should hurry up this week, and during the hesitation period, you can refund the premium in full (up to 10-20 yuan of the production cost), and you will not be able to refund the full amount 10 days after the policy signing date.

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Whatever you buy at the bank, you will return it to the bank.

If you want to use this money in 5 years, then deposit it in the bank, if it is unlikely to use this money in 10 years, then do not surrender the policy, after all, the insurance profit is high in the long run. In addition, when you need money, the dividends of the insurance can be withdrawn at any time, and there is also protection.

And now the central bank has cut interest rates sharply in order to resist the financial crisis.

The key is whether the money is for the short term or the long term.

Short-term deposit in the bank, long-term insurance.

Call 95567, it is Xinhua's customer service, they can assist in handling it! You can complain about the person who did the business for you at that time!

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the mainstream 1010 critical illness insurance products in 2020 is hereA list of 35 participating insurances and 101 major critical illness insurancesParticipating insurance refers to the fact that the insurance company invests part of the customer's premium, and the investment income is allocated to the policyholder according to a certain amount after deducting the cost, which has both protection functions and dividends, killing two birds with one stone.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", and in fact, there are not a few people who want to surrender the insurance after buying participating insurance, because everyone finds that the dividend income is exaggerated.

First, the dividends of the policy are not guaranteed.

Second, the dividend pool is not transparent.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

Hello, you can take the contract out and take a look, the benefits in it demonstrate the cash value of the policy, that is, the money that can be surrendered and returned.

It is estimated that it will not be to five thousand, because the higher the year of insurance, the higher the cash value. If you don't need to use the money in a hurry, you can save it, and you can still receive 10% of your sum insured every two years, and there is also a death benefit. If you surrender the policy, you will lose a lot.

You look at the insurance policy, and there's a column on it that says it's cash value. Surrender is based on cash value + accumulated dividends.

Is it a fixed deposit at a bank? If it is, it should be more than 10,000 yuan, but it depends on your insurance contract, and the contract has ** You can consult yourself to get a specific answer.

I also bought the Chinese Life Dividend Insurance when I went to the bank to deposit money, and now I regret it. It's a lot of money to retreat and lose.

The surrender agreement for the first year is only 30% of the principal, and the cash value table of the contract has detailed reference data! You can apply for a full surrender within 10 days of purchase!

According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading customers in violation of regulations and will be terminated by the company!

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the counter to fill in the surrender application!

I was also fooled, and the surrender you bought is estimated to be 7744 yuan. It's a big loss, it's better not to return.

New China Insurance Double Happiness can surrender the policy halfway, but there will be losses.

Surrender means that when the insurance contract is not fully performed, the insurer shall apply to the insured and the insurer agrees to terminate the legal relationship determined by the contract between the two parties, and the insurer shall return the cash value of the insurance policy in accordance with the Insurance Law of the People's Republic of China and the contract.

Surrender can be divided into hesitation period surrender and normal surrender.

Surrender during the cooling-off period.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual obligations, and when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the deduction of the cancellation to the insured according to the regulations, and this part of the amount is the cash value of the policy.

Article 47 of the Insurance Law stipulates that if the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, refund the cash value of the insurance policy in accordance with the contract.

Surrendering the policy in the middle of the policy will definitely be lost.

You bring the contract and your ID card, and go to the company in person to handle it, and the counter staff there will tell you how to surrender the insurance, and the staff will inform you of the benefits of your surrender.

As long as it is life insurance, any type of insurance can be refunded, but you have to look at the cash value, whether it is cost-effective to return the insurance.

Not necessarily. Look at the cash value table in the policy, which lists the money you can get back when you surrender the policy each year. If not, you can call New China Life's customer service** to inquire about the surrender cash value of Double Happiness Insurance Paragraph A.

Generally speaking, in the first few years of buying both insurance (dividend-paying), if you surrender the policy, you can't even get back the principal, because a large commission has been paid to the **person, and the insurance company uses the remaining premiums for long-term investment, and you withdraw the money in advance, which will have an adverse impact on the investment of the insurance company, and these costs will be passed on to you.

Double Happiness Insurance A should be held for 10 years, it is recommended that you do not surrender the policy, if you really want to surrender the policy, you have to wait for a few years, and then consider surrendering the policy when you surrender the policy.