Can the policy be automatically deducted and paid during the preservation period?

Yes, you can apply for a suspension of the fee deduction from those acceptance notices.

The insurance has already been processed and cannot be surrendered.

The cooling-off period, also known as the cooling-off period, is a period of time after the policyholder receives the insurance contract and signs in writing, during which the policyholder can apply for the termination of the insurance contract, and the insurer will refund the insurance premium paid after deducting the cost of production. Generally 10 days. However, for investment-linked insurance, if the value of the assets in the investment account decreases during this period, the reduction will be borne by the policyholder.

If you surrender the policy during the cooling-off period, you must pay attention to the following points:

1. First of all, if you can't receive the policy in time due to special circumstances, it's best to notify the insurance company in advance.

2. Secondly, after receiving the insurance policy, be sure to fill out the policy receipt in person and indicate the date. This is because the insurance company's determination of the cooling-off period is calculated based on the date of receipt.

3. Again, the policyholder must carefully read the terms of the insurance, and if he does not know enough about himself, or understands the content that is biased, he must ask the first person in time to avoid misinsuring. Now the insurance companies require 100% of the customers who purchase investment-linked insurance and participating insurance to conduct a return visit, and the policyholder and the insured should seize this opportunity to verify the rights and interests they know from the first person through the first person and verify it with the return visitor, so as to ensure that the contract can meet the needs and provide a proper and thoughtful protection for themselves and their families. Finally, in case of surrender, the policyholder does not need any reason, but must apply to the insurance company in writing, and the verbal request is invalid.

Special reminder: There is no hesitation period for the insurance period of one year or less, so consumers should pay special attention when applying for short-term health insurance, one-year accident insurance and other insurance, and ask whether the insurance company has a hesitation period. If there is no cooling-off period, you should be more cautious when applying for insurance.

After the policyholder applies for insurance, the policyholder can unilaterally terminate the insurance contract, that is, the policyholder can surrender the insurance and terminate the contract at any time. Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money;

If the policyholder applies for surrender, the contract has been in force for two years and the premium has been paid for two years, the insurance company shall refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

The surrenderer shall provide the following documents when handling the surrender:

If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder;

The insurance policy provided by the surrenderer to prove the conclusion of the contract and the proof of the last payment;

Proof of identity of the policyholder;

If the policyholder or the insured entrusts another person to handle the application on his behalf, the power of attorney of the policyholder or the insured and the identity card of the principal shall be provided.

To apply for a credit card loan, it depends on your job, bank statement, assets, etc., and the specific amount still needs to be reviewed by you to provide proof of financial resources.

No, the process of policy loans:

1. Prepare all the materials required for the loan, including the original personal ID card (if the policyholder and the insured are not the same person, the original ID card of the insured), the original insurance policy, bank card number and the information specified by the insurance company, and apply for a loan at the lending institution;

2. The staff of the lending institution accepts the application and reviews the materials;

3. After the review is passed, the banking institution determines the loan amount and signs the loan contract with the borrower. After the contract is signed, the insurance policy is retained to the lending institution as collateral and the loan is issued;

4. The borrower shall repay the principal and interest in accordance with the provisions of the contract.

Specifically, you can consult the insurance company or call ** directly.

Insurance preservation is the after-sales service work carried out by insurance companies around items such as contract changes, annuity or maturity payments, etc. In layman's terms, it means that in order to make the user's policy effective, the insurance company changes the policy at the request of the user, and then serves the user.

In cases where it may be difficult to enforce a judgment or cause other harm to a party due to the conduct of one of the parties or other reasons, the people's court may, upon the application of the opposing party, rule to preserve its property, order it to perform certain acts, or prohibit it from doing certain acts. Where the parties do not submit an application, the people's court may also rule to adopt preservation measures when necessary.

The people's court may order the applicant to provide a guarantee when taking preservation measures, and if the applicant does not provide a guarantee, rule to reject the application.

After accepting the application, the people's court must make a ruling within 48 hours if the situation is urgent, and where it is ruled to employ preservation measures, enforcement shall begin immediately.

In addition to taking out policy cash value loans from insurance companies and banks, you can also take out policy loans from other financial institutions. However, it is different from pledged loans made by banks and insurance companies. A loan made at another financial institution is a type of credit loan.

This type of credit does not require an insurance policy as collateral and is financed on personal credit. The insurance policy is only used as a reference proof of the ability to repay.

For this kind of credit loan, because there is no collateral, the risk is higher, so the loan interest rate is relatively high, and most of the policy loan interest rates are between 9% and 18%, which is much higher than the policy pledge loans of banks and insurance companies.

However, compared with the pledged loans of banks and insurance companies, credit loans can break through the limit of cash value and can be borrowed according to the multiple of the premium paid, which can better meet the needs of some borrowers who are in urgent need of cash.

Therefore, it is also favored by some people. However, because the interest rate is too high, when making this kind of credit loan, the borrower must evaluate his repayment ability and do what he can, and cannot fall into the dilemma of excessive repayment because of the need for funds.

The policy is under full processing, and it is often the policy information that is applied for a loan that changes (eg.

DAO: The insured's mobile phone number and other information are changed) or the status of the respondent's policy (the policy has an insured accident, the insurance company is in the process of processing relevant claims, etc.), and the insurance company is updating this status;

During this process, the applicant will not be able to use the policy to make a loan. The lender must wait for the status update to be completed before using the policy again to take out a loan.

One of the most important rights and interests that insurance companies provide to customers is policy loans. Policy loans allow policyholders to take out policy loans from insurance companies, banks, or related financial institutions through policies with cash value, and obtain funds through this borrowing behavior, alleviating the pressure caused by their urgent need for funds, while retaining the protection benefits of the policy.

The so-called policy loan is a way of borrowing the insurance policy with cash value through the insurance company to obtain the corresponding emergency funds according to a certain percentage, which is similar to the loan behavior of home purchase. The difference is that a home loan is obtained by mortgaging the house to the bank. On the other hand, a policy loan is made by pledging the policy to the insurance company and then obtaining the required funds.

In general, your policy information such as mobile phone number, bank card number, etc. has been changed, and the backend of the insurance company has not yet been able to complete the processing, so it means that your policy is in a process and cannot be processed for the time being, such as policy loans. Wait a few days to check the information, and after the change is completed, you should be able to make a policy loan.

Explain that your salesman has made preservation treatment for your insurance policy, that is, he has handled the business on behalf of you.

Preservation can only be done after the payment period has passed.

Say what business you are handling with this policy, and you can't pay it for the time being.

You have to consult about this, whether the salesman will have a problem with the intranet.

If you have an electronic insurance chain and quietly bring a bill on the network, you can not surrender the insurance, you must bring the insurance contract and ID card to the safety counter to handle it, or you can entrust the salesman to handle it. Shed reed.

The follow-up business of the policy is generally referred to as the preservation business. The preservation acceptance of the policy loan means that your loan has been accepted. This loan takes a few days, and the fastest will arrive on the same day, which is 3 days slower.

The policy pledge loan is not checked for credit, and it is not repaid or credited.

I hope that the landlord will not believe in unreliable online loans, online loans are harmful, and the profits will make you lose all your money, and it may really hurt the lives of the whole family if you can't pay it in a short period of time, and it is recommended that the landlord go to a formal loan platform.

Insurance preservation refers to a series of services provided by life insurance companies in accordance with the terms of the contract and the requirements of customers in order to maintain the continuous validity of life insurance contracts.

The process of insurance preservation is mainly as follows:

1. Cooling-off period: The next day after the receipt of the receipt is the first day of the policy cooling-off period, and the hesitation period is within 10 days.

2. Surrender: refers to the termination of the legal relationship determined by the contract between the two parties upon the application of the policyholder when the insurance contract is not fully performed, and the insurer refunds the cash value of the policy or the unpaid premium in accordance with the contract.

3. Renewal payment method: refers to the way in which the renewal premium is collected by the customer's bank transfer fee and self-payment.

4. Invalidity: In the case of installment payment of premiums, the insurance contract is temporarily invalid or the principal and interest of the policy loan exceed the cash value, the self-advanced principal and interest exceed the cash value, and the deferred payment of the policy value is insufficient to deduct the first phase of protection costs. After the termination of the contract, the policyholder may apply for reinstatement within the time specified in the clause.

The precautions for handling preservation are:

1. The basic process of security service: the customer prepares the required documents, submits an application for change, the insurance company reviews and confirms, and the insurance company issues an endorsement.

3. Ways to apply for preservation:

1) The policyholder or the insured goes directly to the customer service department;

2) The policyholder or the insured entrusts another person to handle it (the original identity certificate of the trustee and the power of attorney signed by the policyholder are required);

3) The change of address can be handled by letter or ** center acceptance;

4) Other ways recognized by insurance companies.

1. The basic process of security service: the customer prepares the required documents, submits an application for change, the insurance company reviews and confirms, and the insurance company issues an endorsement.

3. Ways to apply for preservation:

1) The policyholder or the insured goes directly to the customer service department;

2) The policyholder or the insured entrusts another person to handle it (the original identity certificate of the trustee and the power of attorney signed by the policyholder are required);

3) The change of address can be handled by letter or ** center acceptance;

4) Other ways recognized by insurance companies.

Delegate an agent. 1. Entrust others to handle it, and the agent shall provide the "Power of Attorney" issued by the qualified person, the valid identity document of the qualified person and the required documents provided by the qualified person in person.

2. For preservation applications that have been filled in and signed by the applicant (including the ID card number), the agent himself is still required to sign the agent column on the application form and fill in the ID card number of the agent.

3. The "Power of Attorney" should use the company's standard documents, and the contents of the standard power of attorney should be complete and correct. Where two or more persons authorize the same person for the same matter at the same time, they may issue separate power of attorneys, or they may also use the form of joint signatures on the same Power of Attorney.

4. Charge d'affaires for the preservation of supplementary refunds: In principle, cash shall not be used, and all bank transfers shall be used.

The plaintiff has paid the case acceptance fee and preservation fee, and the preservation fee shall be borne by the plaintiff after the lawsuit is withdrawn.