If you buy a ten year universal insurance when it expires, can you get a full refund?

If it is a lifelong guarantee, ten years is the payment period, and the payment is lifelong. If you surrender the policy, there is no protection. You can look at the cash value after 10 years of payment, and hope to think carefully before making a decision.

In the short term, insurance is a guarantee, in the medium term, it is a savings, and in the long run, it reflects the appreciation of financial management. The period of just ten years is in the alternating period of capital accumulation and security. At this time, it is undoubtedly unreasonable to withdraw money.

What's more, they don't buy insurance for their own plans for the next ten years, if so, it is better to come directly to a regular period.

In the following time, the value-added of insurance, whether it is participating insurance (which is also a reflection of the value of the accumulation of time) or the value-added of universal funds, can ensure that it has at least a certain economic ability to supplement various needs such as family responsibilities or critical illness** or pension planning.

Universal insurance is an investment insurance, there is no full refund, it is recommended to confirm your account funds on the company or **, universal insurance will have a life risk fee and other expenses deducted.

Hello, you can take out the full amount when you are full. However, it is recommended that you do a partial claim because universal insurance is guaranteed for life. When you need money urgently, you can partially receive it, so that your protection is still there, and the rest of the money can be rolled over with interest.

What's more, the current bank insurance is still not worth the interest of this universal insurance.

Peace be upon you!

Universal insurance is a type of insurance product. In addition to providing life protection like traditional life insurance, customers can also directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and the policy value is linked to the performance of the policyholder's investment account funds operated independently by the insurance company.

It is recommended that you contact the customer service of the insurance company for consultation, if you have any questions about the policy of Ping An Universal Insurance, you can call Ping An Life Insurance**95511-1 for consultation.

If you need the money urgently, you can receive it partially, and there is no guarantee for returning it.

If the universal insurance is paid, the surrender premium will be much higher than the premium paid.

Hello, universal insurance is a type of insurance that protects life, why should you return. Besides, you have so much, how can you pay enough and return! There are definitely losses.

You can learn about Centennial Life's Win No. 1.

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Why do you want to retreat? Universal insurance is also a whole life insurance.

You can't get the full amount back, and it depends on how much you insure.

Universal Insurance. The surrender amounts are as follows:

1. If you are still in the hesitation period.

At this time, the maximum cost of surrender will be deducted from 10 yuan, and the rest will be refunded in full;

2. If the policy is surrendered after the cooling-off period, the maximum cash value of the policy will be returned.

The cash value of the policy is the premium paid minus the commission fee drawn by the insurance company;

3. If the policy is surrendered within the first 5 years, only half of the premium will be refunded.

The contents of the insurance are as follows:

1. Insurance refers to commercial insurance in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or the insured bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

Behavior; 2. From an economic point of view, insurance is a financial arrangement for apportioning accident losses; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. from risk management.

From perspective, insurance is a method of risk management;

3. Insurance originates from sea lending. By the Middle Ages, adventure lending appeared in Italy, with interest rates similar to today's insurance premiums, but declining due to its high interest rates that were forbidden by the Church. In 1384, the world's first insurance policy appeared in Pisa, and the modern insurance system was born;

4. Insurance has gradually developed from a form of mutual aid in its embryonic period to adventure lending, to marine insurance contracts, to marine insurance, fire insurance, life insurance and other insurances, and has gradually developed into modern insurance;

5. Commercial insurance can be roughly divided into: property insurance and life insurance.

Liability insurance, credit insurance.

Subsidized insurance, marine insurance. The large categories are classified according to the scope of insurance coverage, and the small categories are classified according to the types of insurance objects;

6. The insurance subject is the subject of the insurance contract, which only includes the policyholder and the insurer. The insured, the beneficiary, and the policy owner are not insurance subjects unless they are the same person as the policyholder.

As a universal insurance product, some salespeople will basically sell it as a high-yield financial product when selling, and at the same time, they will mislead customers that they can withdraw it at any time (and at the same time, they will also mislead customers to say that if they want to use money, they can withdraw it at any time), and will not tell customers the losses that may arise from early surrender.

If the landlord surrenders the policy after paying for five years, it is actually a surrender in the middle of the policy. When the policy is surrendered, the insurance company will surrender the policy based on the cash value. The so-called cash value is the cost of your principal after the insurance company deducts his management costs and salesman's commission.

Since the cash value is much lower than the consumer's principal, there will be a relatively large loss. Judging from the products purchased by the landlord and the number of years of payment, such a loss may reach about 30%, or even higher.

Therefore, it is best to surrender the policy in full. Because, if the policy is surrendered normally, the insurance company may deduct about 50% of the principal, or even higher! Heavy losses to consumers.

In practice, requiring a full surrender of the policy is a technical task, and even if the consumer finds a lawyer, it is more likely to lose more and win less. The situation did not improve until the professional service of providing full surrender of the insurance policy.

The key to how to achieve full surrender of the policy is to find evidence of misleading, including recordings, signatures and other materials. For specific situations, it is recommended that you go to the Century Insurance Network - take a closer look.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, happy with your question. Universal insurance surrender is a refund of the premium according to the cash value table of the policy. For example, if you surrender the policy in the third year, the cash value table is $53,000, and you will be refunded the premium according to this amount.

As long as you take your ID card and insurance policy, go to the insurance company's outlets, you can apply for a surrender of the policy, and the premium will be refunded to you in a lump sum according to the cash value table of the current year, and the insurance contract will be terminated at the same time.

The full refund of the insurance at the end of ten years may not be possible, and it needs to be seen according to the actual situation.

For example, some return-type insurance is agreed that the policy can start to return an insurance payment every year after five years, and some are agreed that the insured can return a sum of insurance money if the insured is still alive and safe after the expiration of the insurance period, and as for how much can be returned, it depends on how the insurance contract is agreed, for example, some can return the premiums paid, and some can return the basic sum insured.

If it is not a return-based insurance, then the cash value of the policy can only be obtained by surrendering, but the cash value of most insurance products is lower than the premium paid, so it cannot be considered a full refund. However, some insurance products have a higher cash value, which may be equal to or even greater than the premium paid, and the surrender of the policy can be regarded as a full refund.

Universal insurance is suitable for a few years, and it needs to be analyzed on a case-by-case basis.

If it is just a simple universal insurance without attaching other insurance products, it is a wealth management product, and it can be judged according to its income when it is appropriate to surrender the insurance. If universal insurance is supplemented with critical illness insurance, it also needs to be judged according to its protection and income. Imitation spikes.

Universal insurance can be surrendered as follows:

1. If the policyholder surrenders the insurance in person, he or she needs to bring the policy, ID card and passbook to any of Ping An's business offices at the counter.

2. You can also call Ping An's **, through the policy number, or ID number, there will be personnel to come to the door to surrender the policy.

Universal insurance can not only achieve the basic ability of insurance, but also the policyholder's money is divided into two parts, one part is to achieve the role of insurance protection, and the other part is to assume the role of savings and investment. In different periods, customers can adjust the universal insurance according to their needs, which can largely reflect the flexibility of the protection function.

Hello, I am glad to serve you and give you the following answer: Agricultural Bank of China Life Universal Insurance is cost-effective to surrender 15 years after the expiration of 10 years, because it can provide a longer protection period and can better protect the property safety of the policyholder. Workaround:

1. First of all, the policyholder needs to prepare the relevant insurance policies and identity documents, and submit an application to the Agricultural Bank of China Life Insurance Company. 2. Then, the policyholder needs to provide the relevant insurance policy and identity documents for the Agricultural Bank of China Life Company to review the surrender application. 3. Finally, Agricultural Bank of China Life Insurance Company will pay the surrender money to the policyholder in accordance with the prescribed time and method after the application is approved.

Personal tips: 1. When applying for surrender, the policyholder should carefully read the terms of the insurance and understand the conditions and procedures for surrender to avoid unnecessary trouble. 2. When applying for surrender, the policyholder should provide accurate insurance policies and identification documents, so that Agricultural Bank of China Life Gongshan Hansi can review the surrender application in a timely manner.

Yes, after the conclusion of the insurance contract, the insurer shall pay the insurance benefit whenever the insured dies. As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy. According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with full payment of premiums, whole life insurance with regular payment and whole life insurance with one-time payment.

The disadvantage of whole life insurance is that the insured cannot receive the insurance money during his or her lifetime, and can only surrender the policy to receive the cash value, which cannot solve the pension problem.

1) Provide lifetime coverage.

2) Provide lifelong protection with an appropriate amount of insurance premiums. The lifetime contribution method results in lower annual equalization premiums and is suitable for middle-income earners.

3) Pay the surrender benefit when the insurance policy lapses. Surrender benefits are generally not paid within 1 to 3 years of the effective date of the insurance policy because the insurance company pays the **person commission and other expenses at the time the insurance policy is issued.

However, at the age of 100 at the end age of the life table, the cash value of the insurance policy is equal to the sum insured, and if the insured survives to the age of 100, the insured can still receive the insurance benefits. If a person takes out regular whole life insurance at the age of 35, then the insurance policy can also be seen as a 65-year endowment policy.

Yes, 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.