How many days does it take to get the money when the insurance is surrendered, but how many days doe

People who decide to surrender the insurance must think about how much money can be refunded, and can they refund a little more? This guide can help you:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

Generally speaking, the insurance company will refund the policy within 30 days after receiving the surrender application: <>

How much can be refunded depends on what kind of situation it is

(1) Full surrender

Generally, only one of these types can be fully surrendered

1.Surrender during the cooling-off period

There will be a hesitation period to buy insurance, and the surrender of the insurance within the hesitation period can be refunded in full, and the cost of production will be deducted, generally 10 yuan, and the hesitation period usually begins to be calculated after the contract receipt is signed, usually ten days, and the contract will be clearly written.

2.It is signed

If some salesmen do not operate properly, and the signature of the insurance contract is not his/her own, in this case, the full premium can be refunded by applying for surrender.

3.There is evidence

If it can be proved that the person violated the rules or deceived the consumer, he can also apply for a full surrender.

(2) Refund of cash value

If the hesitation period has been exceeded, then the cash value can only be refunded, and the cash value must be savings life insurance, such as long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, universal insurance and participating insurance; Accident insurance, one-year medical insurance, etc., generally have no cash value.

If you want to surrender the policy and want to know the cash value of the policy, you can read the contract or call the insurance company **, and the calculation is generally according to this formula:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Dividends are generally divided into two parts, one part is agreed to give the customer a fixed insurance payment, and the other part of the insurance money to the customer is to be paid according to the operation of the insurance company, and this part of the uncertain insurance money is called a dividend. Specific popular science is presented:

"Demystifying the Mystery of Dividend Insurance".

Obviously, if you surrender the policy beyond the hesitation period, the money that can be returned is less than the premium paid, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

In fact, if you want to return insurance, you can be fast, and if you want to be slow, you can be slow, depending on the relationship. Of course, it is obvious that the people of the insurance company do not like to be surrendered, so they will generally press for a period of time, and some will persuade you during this time, but it really doesn't make sense, so they will do it for you. In addition, surrender is not a cost-effective thing, if it is the first year of insurance, 50% of the initial fee will be deducted immediately.

How many ...... are leftDon't retreat until you can't help it. If you want to change your insurance, it's even more unnecessary, no one's insurance is particularly good, it's all the same.

Surrender is only the cash value, insurance is a good thing,,, it is generally not recommended that you surrender the policy.

1. After buying insurance and applying for surrender, the money can be received on the same day.

Insurers have the right to tear up the insurance, and also have the right to continue to insure, and can choose to surrender the insurance according to their actual situation, or they can choose a new insurance world according to their actual needs.

The insurance premium is valid from the first year of insurance, and if you are willing to surrender the policy in the second year without renewing it, this is also the freedom of insurance, and you don't need to care about the sense of direction given by the insurance contract.

For example, after paying the insurance money for three years, I felt that the insurance world was not used for the sense of existence that I could need in the real world, so I decided to surrender the insurance in the fourth year.

After paying a total of 10,000 yuan in three years, you can get about 8,000 when you surrender the policy, and you can successfully surrender the insurance before the fourth year insurance benefit period.

2. You need to bear some economic losses for surrendering the insurance, and the insurance money will be repaid in full within three days.

When insurance becomes effective insurance, it is also the insurance relationship between the policyholder and the insurance company, and each other bears the legal obligations that each other should bear, the policyholder needs to pay the insurance money every year, and the insurance company needs to bear all the contents of the insurance contract.

The policyholder can terminate the insurance contract in advance during the insurance contract period, but can no longer enjoy the insurance rights, and the insurance company will compensate according to the contract signed by the policyholder.

Generally, it is to compensate ninety or eighty percent of the economic bill, which is also to deduct a part of the contract liquidated damages, and the policyholder can receive the surrender money within three days after the successful surrender of the policy.

3. If the policyholder is unwilling to continue to insure, the insurance money will lose its insurance role, and the insurance company will compensate the policyholder for its legitimate rights and interests.

The role of the insurance money is to obtain the insurance rights and interests for the policyholder, and the policyholder thinks that the insurance money has no effect, and can go to the insurance company to cancel the contract.

Generally, there will be two ways to surrender the policy, one is the actual surrender, that is, the company that handles the insurance directly surrenders, and the other is the online surrender, that is, the surrender process provided by the insurance company's platform.

If the policy is successfully surrendered, the insurance benefit that is satisfactory to both parties will become an unrelated financial bill.

Under normal circumstances, the money can be received in about two weeks, and it should not exceed a month for a long time, if it exceeds this time, you still have to go to the local department to ask.

Generally, it can be received after 15 working days, because it takes a certain amount of time for the insurance to be refunded, and it also needs to be agreed by the relevant departments, so it generally takes 15 working days to arrive in the account.

The time for the insurance company to arrive is completely different, about two days to six days, and then in many places it is three to five days.

Hello, in terms of surrender, different insurance companies, different cities, the time limit for surrender is different, it is recommended that you consult the insurance company specialist in detail when going through the surrender procedures.

If it is an Internet insurance, there is no paper contract, but an electronic contract, and the refund can generally be received in 2-3 working days; If there is a paper version of the contract, you need to submit the paper contract back to the insurance company, which is relatively long, generally within 10 working days.

If you do not surrender the policy during the cooling-off period, you may face certain losses: first, the lack of protection; Secondly, it is highly likely that the money you will return from surrendering the policy will be less than the premiums you have already paid.

So, no matter what, when you choose to surrender the policy, you still need to think twice about the reason for surrendering, is the insurance you bought is inconsistent with the protection you want, or is there pressure to pay the premium and you can't continue to pay the premium?

If it is the former, then it is recommended that you carefully plan your protection situation before surrendering the policy, and it is best to find a professional insurance broker to plan insurance according to your own situation to see what kind of protection you need at present.

If you've already decided on a new plan, don't rush to surrender your policy. Because protection insurance, such as medical insurance, life insurance, and critical illness insurance, this kind of insurance has a waiting period, that is, after the policy takes effect, 30 days to 180 days (depending on the product), the insurance liability is not assumed. Therefore, if the benefit is replaced, it is recommended that the new policy take effect and wait for the expiration of the policy before surrendering the policy.

If there is pressure to pay, then the general long-term insurance will have a 60-day grace period, during which the premium is not paid, and the contract is still in effect; If the premium is still not paid after this period, the policy will enter the suspension period, and the insurance company will no longer be liable if the insurance occurs.

The suspension period is generally 2 years, during which time you can still apply for reinstatement of the insurance contract if your financial problems are resolved, and you only need to pay the outstanding premiums and interest. If the liability of the product you purchased is still relatively good, and the product has been withdrawn, then when you encounter financial pressure, you can also choose to let the policy enter the suspension period, giving yourself a buffer time of 2 years to prepare the premium, and you do not have to surrender the policy directly.

The above is a personal opinion, I hope it will be helpful to you

Insurance surrender generally requires the company to conduct a review, and the review time is about one month before you can get the refunded money.

If the insurance is canceled on the day of surrender, you should get the money the next day.

Generally, it can be received from the counter to the surrender application within 2 6 working days, and the surrender is divided into hesitation period surrender and normal surrender, such as surrender during the hesitation period, no fee will be charged, and the premium paid will be refunded in full, 3 5 workers will arrive in the account. The surrender process generally has the following procedures:

1.Collect and truthfully fill in the surrender application form with the ruler and submit the surrender application;

2.Bring your ID card, policy and payment receipt to the insurance company's counter to surrender the policy;

3.Fill in the relevant information according to the prompts of the staff to complete the processing. It should be noted that each insurance company has different contract regulations for the procedures for surrender and the materials required for surrender.

Summary. As long as the cooling-off period has passed, only the cash value of the insurance contract can be refunded, and only the cash value of the first few years can be refunded after several years of payment. For example, after paying for five years, you can only return the cash value of the fifth year, and there will be a loss at this time, as long as the cash value of the insurance contract is less than the premium paid, then it is a loss.

Generally, the principal can only be preserved within five to six years after the expiration date. Therefore, if it is a relatively short payment period and you have the ability to pay, it is recommended to pay at maturity, and then choose to surrender the policy when the cash value is greater than the premium paid, there will be no loss at this time, of course, it is not recommended to surrender the policy after the expiration period, because you do not need to pay the premium after the expiration period, but all the protection will continue to be enjoyed.

Hello, the surrender money of Ping An Insurance can generally be received in 3 to 7 days.

Money will: Retreat to **.

When Ping An Insurance is surrendered, it can be received in three days at the earliest. Generally, it will be returned to the designated account in 3 to 7 days, with a minimum of one month.

If there is no special agreement, it will be refunded to the payment card.

Good. As long as the cooling-off period has passed, only the cash value of the insurance contract can be refunded, and only the cash value of the first few years can be refunded after several years of payment. For example, after paying for five years, you can only return the cash value of the fifth year, and there will be a loss at this time, as long as the cash value of the insurance contract is less than the premium paid, then it is a loss.

Generally, only the expiration of the grandson group infiltration or five to six years after the shipment can be preserved. Therefore, if it is a relatively short payment period and you have the ability to pay, it is recommended to pay at maturity, and then choose to surrender the policy when the cash value is greater than the premium paid, there will be no loss at this time.

According to the regulations of the China Banking and Insurance Regulatory Commission, if the insured submits a written surrender application and the insurance company has accepted the surrender application, the insurance company needs to refund the amount to be refunded to the policyholder within 30 days. However, generally speaking, if you have submitted the information required for surrender to the insurance company or have successfully surrendered the policy, the insurance company will refund the refund amount to your account within a week, and it will generally arrive in 3 to 5 working days.

The amount of surrender can be returned according to the time of surrender and the reason for surrender is different, generally in the following situations:

1.Surrender during the cooling-off period

If you surrender the insurance product within the cooling-off period, the insurance company will need to refund all the premiums you have paid for the policy, but the cost of production may not exceed 10 yuan. In other words, if the policy is surrendered within the cooling-off period, the difference between the premium paid and the $10 can be refunded.

2.Normal surrender.

If you want to surrender the policy after the cooling-off period of the purchased insurance product has passed, the insurance company will generally refund the cash value of the policy unless there are special circumstances. If the application is made in the policy year, the cash value corresponding to the end of the policy year will be refunded. The specific cash value of the policy for each policy year can be found on the first few pages of the insurance calendar.

Generally speaking, the cash value of the policy in the first few years of long-term insurance products is very low, generally only a few hundred yuan.

In addition, if it is a one-year insurance product without a hesitation period, such as million medical insurance, it will generally take effect on the next day of insurance, and the surrender is generally a refund of the unexpired net premium, and the calculation of the unexpired net premium is: unexpired net premium = premium paid * (1 - the period of the policy in force Insurance period).

In addition, there are some special sail search situations that can also be fully surrendered, that is, the premium paid can be refunded. It mainly includes the situation that the insurance salesman signs the insurance contract on behalf of the insurance company, the insurance company does not visit the policyholder after purchasing the insurance product, and the insurance salesman sells the insurance product when there is misleading sales, that is, the situation that exaggerates the function of the insurance product.

3. What should I pay attention to when surrendering the policy?

1.Pay attention to the loss of surrender, if there are no special circumstances, if the policy is surrendered under normal circumstances, the cash value of the policy will generally be returned, and the cash value of the insurance product will generally not exceed the premium paid, especially if the cash value of the surrender policy is very low in the first two years, the loss will be larger.

2.Note that the policyholder needs to surrender the policy, and the surrender of the insurance product needs to be submitted by the policyholder himself, and if the surrender is proposed by the insured, a written surrender consent with the signature of the policyholder needs to be issued.