How to calculate the surrender of the insurance after ten days of Chinese Shou Xinfu

Is Chinese life good or not, is it reliable? Take you to understand the most real Chinese life:"Is it true that Chinese live a good life on the Internet? Uncover the "insider" of Chinese life

Chinese Life Insurance (Group) Company, referred to as Chinese Life China Life, founded on October 20, 1949 and headquartered in Beijing, is a state-owned super-large financial and insurance enterprise and one of the four major central enterprises.

First, the business status of Chinese's life

Latest registered capital:28.2 billion

July 2019,Chinese Life "Fortune Global 500" ranked 51stThis is the 17th consecutive year that Chinese Life has been included in the list since 2003.

Chinese Life's total life insurance premium income in 2019 was 100 million yuan, the highest premium income in the country.

In general,Chinese Life has abundant funds, high national recognition, firmly sit in the position of the big brother of the domestic insurance industry!

2. Introduction to solvency

Solvency is a basic indicator of an insurance company's financial health, representing the insurer's ability to repay its debts, and the higher the solvency, the less likely the insurer is to fail.

The latest comprehensive solvency announced by Chinese Life in 2020 is:The comprehensive risk rating was A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission, and the performance was excellent. Solvency insurance companies, I have listed, click here to understand:Solvency Rankings|In 2020, which insurance company can "pay" the most?

Third, the introduction of Chinese life products

Chinese Life is mainly engaged in life insurance (life insurance), health insurance (critical illness insurance, medical insurance), and accident insurance (accident insurance), wealth management insurance (annuity insurance) and other life insurance, as well as property insurance (car insurance, etc.) business, the more popular products are: China Life Fu series, Corning series, Fulu Xinzun, etc., you can see these products sorted out:

Chinese life products are not worth buying, can not be generalized, through the product form, cost performance and other aspects of analysis, take its popular critical illness insurance "China Life Fu series" as an example, although the protection is sufficient, but the cost performance is low, want to know more can be poked here:

"Chinese Life and Welfare Protection is not bad, but it seems that something is still missing.

And many people want to know about China Life's annuity insurance [Fu Lu Xinzun], then you can read this:"Fu Lu Xinzun, who everyone robbed like crazy back then, why do so many people say pit now? 》Hope!

Surrender within 10 days of receiving the contract is a cooling-off period and the premium paid can be refunded, if the cooling-off period is over, only the cash value will be refunded (your interests will be infringed).

The cash value is refunded, but the loss is significant.

As long as the surrender loss is large after the cooling-off period, it is still recommended not to return.

Xinfu Nian Nian is a new annuity insurance, although you have no loss, but you will regret it.

The CIRC extended the cooling-off period to 20 days.

You will regret such a good insurance refund.

After the cooling-off period, only about 30% of the annual premium will be refunded!

After the hesitation period, there will be losses.

Hello, there is a 10-day hesitation period after receiving the contract, and the premium paid can be refunded during the hesitation period.

Give cash value, there is a loss of principal.

After the cooling-off period, there is a loss in surrendering the policy.

10. During the hesitation period, it can be refunded, and there will be a loss after the hesitation period.

This product is very good, you have to think about it.

Based on the date you signed the receipt.

Hello, why should such a good product be surrendered? The premium will be refunded within 10 days of receipt of the contract, and the cash value will be refunded after 10 days.

Since you bought it, you should consider it carefully if you want to return it.

If the policy is surrendered after the cooling-off period, only the cash value will be refunded. It depends on the number of your signature receipt.

After the cooling-off period, only a small part of the cash value can be refunded, so it is recommended not to surrender the policy.

The surrender loss is very loss, and there is a cash value in the contract to calculate, depending on how much you pay annually? How much is insured? Divide the sum insured on the contract by 1000 and multiply it by the cash value to get the premium back.

Dear, did you return it, I also bought it in 16 years, and it is about the same as your cash value.

Have you bought this policy for more than ten days, surrender within ten days is to return the premium paid, and there is a certain loss after ten days of surrender, we can chat privately, I will tell you in detail.

China Life Xinfu Annuity Insurance can be surrendered, and after the insurance contract is signed, both parties can terminate the contract through agreement or in accordance with national laws. For more information on policy surrenders, please check out this article:

How to surrender insurance, how much can be refunded, and how to reduce surrender losses?

Regarding the surrender of China Life Xinfu Annuity Insurance, it is clearly stated in the policy terms:

After the policy is established, the policyholder may request to terminate the policy unless otherwise agreed in the policy. When the policyholder requests to terminate the policy, he or she should fill in the application form for termination of the contract and submit the insurance contract and the policyholder's legal identity certificate.

The policy terminates when the insurance company receives the application for rescission. If the policyholder requests to terminate the policy within 10 days after signing the insurance policy, the insurance company shall refund all the insurance premiums received to the policyholder within 30 days from the date of receipt of the application for termination. The policyholder is in.

If the insurance company requests to terminate the policy 10 days after signing the insurance policy, the insurance company shall refund the cash value of the policy to the policyholder within 30 days from the date of receipt of the application for termination.

The operation of surrender is not complicated, and it can be carried out according to the operation indicated in the policy, and some details should be paid attention to during the period

What are the details to pay attention to when surrendering an insurance policy?

The vast majority of surrender cases are due to the purchase of products that do not meet their own assumptions, the selection of annuity insurance needs to be combined with many factors to make comparisons, there are many types of annuity insurance products on the market, and it is important to understand before applying for insurance. For more information about annuity insurance, you can check out this article:

Is annuity insurance good? Are there any pits? What are some good products?

Of course, commercial insurance can be surrendered, but if it is not due to be surrendered halfway, it cannot refund the entire cost, only the cash value, and the loss is very large.

If we buy life insurance and pay 2,000 yuan per year for five consecutive years, then we can probably get the corresponding principal after five years, because this insurance product can obtain relevant profits, and these profit values can also be worth the principal we spend. The insurance products in Chinese Life Insurance Company are very good, and this insurance product is also one of the products in Chinese Life Insurance Company, which can provide a better protection for our consumers. <>

Life China Life Xinfu Winner Insurance is also an insurance product that many investors will choose, if we want to buy this insurance product, you can choose to go to the official platform of Chinese Life to make the corresponding purchase, or you can choose to go directly to the offline store of Chinese Life to consult the corresponding customer service staff, customer service staff will handle a series of purchase procedures for us. All in all, we must go to legal and formal channels to buy. <>

Life China Life Xinfu Winner Insurance is a very good insurance product, the scope of this insurance product is also relatively extensive, for most of the population, it is more suitable, if our family economic situation is relatively good, you can choose to buy this insurance product. When we buy these insurance products, we need to have a detailed understanding and analysis of these insurance products, and we must clearly know the coverage of this insurance product. <>

If we apply for an insurance product for ourselves, it can protect our lives to a certain extent, and when we encounter various unexpected situations in our lives, we can choose to appeal to the corresponding insurance company according to the terms and conditions in the insurance contract. After the insurance company receives our filing, we will handle the corresponding compensation in accordance with certain procedures.

The principal will be refunded in the 5th year, and there will be a very good refund, so you can contact the relevant staff.

After 5 years of payment, the insurance company will return the principal and interest to you according to the annual or monthly return rules.

After 5 years, you can probably get a corresponding principal, and this insurance is also very good.

Check the cash value table, if the current price at the 10th year exceeds the total premium, it means that the "principal is recovered", and you can surrender the policy and get the principal back.

But what I want to ask is: what was you buying this insurance for? Have you achieved your goal? Will surrender the policy affect your goals?

Be cautious when applying for insurance, and even more cautious when surrendering.

It seems that when buying insurance, everyone does not understand what they are buying, what it does, what its functions are, and what the benefits are ......

Originally, we bought insurance to help us deal with risks, but don't let the matter of buying insurance itself become a risk!

It's enough, now the insurance routine is very deep!

China Life Xinfu Winner Annuity Insurance (Participating Type) is in accordance with the terms and conditions; 1. After the contract comes into effect, the insured can agree with the insurance company on the date of receiving the care money, and the day of receiving the care fund is starting after the contract expires 10 years (including the 10th year), and every 5 years is a day for receiving the care money. The age of receipt is related to the age of insurance and the payment period, 20 years old, 10 years, you can choose one of the ages for the age of receiving care funds. The time of receipt is agreed with the insured, and the insurance company will pay the care fund according to the premium paid, and the care fund will be paid once.

The choice of this care payment date is still more important, and it is related to the length of time for the survival insurance benefit to be received later. 2. Survival insurance money Survival insurance money can receive 20% of the basic insurance amount every year after the contract takes effect, but in the first year, you can receive 20% of the premium paid, and after receiving it, the survival insurance will be paid according to 20% of the basic insurance amount from the second year. There is also a survival insurance benefit after receiving the care fund, and the survival insurance benefit is paid at the rate of 3% of the basic insurance amount every year after the care fund is received.

Whether the principal can be recovered after 10 years depends on the terms of the insurance contract.

Answer Hello pro In the insurance contract, if you pay 20,000 yuan per year, for 5 years, a total of 100,000 yuan, you can return the principal after 10 years, but not after you pay the 5-year fee, but after 10 years. When signing a contract, you must read it before signing.

Sign the contract. With regard to the signing of a contract, according to the provisions of the law, if a written contract is signed, the contract shall be established when both parties sign or affix their seals, and if the terms of the contract are not equal, the contract shall not affect the formation of the contract, but the contract may be revoked after it is established.

Hello, the full surrender can only be within the hesitation period (generally within 20 days of the first year of payment) can be successfully applied, after the hesitation period, you can return the cash value of this policy, you can look at the cash value of the fourth year of the contract, you can go to the local life insurance company counter or **life official website** to consult or handle the surrender, I hope to help you!

Hello, if you are an insurer, it is impossible to surrender the policy in full if you want to surrender it in advance, and you have to match a lot of money in it, you can consult the insurance company to reduce the loss, and it is impossible to refund it in full.

Summary. Dear I am happy to answer for you, oh 60 years old care pension day begins, then you can receive 3% of the sum insured every year.

From the age of 30 to the age of 60, we can receive, 10,000 + 9,021 yuan 30 years = 280,630 yuan.

At the age of 60, China Life Xinfu Winner Annuity Insurance can receive back the premium of 500,000 yuan.

It can also be understood in this way, in 30 years, we can get 780,630 yuan, about 780,000 yuan.

Relatively speaking, China Life Xinfu Winner Annuity Insurance is not very fast in terms of the speed of return to principal, and the premium can only be returned on the day of receiving the care fund, and the interval is quite long. And in 30 years, the income is only 280,000 yuan more than the premium.

Chinese Shou Xinfu winner buy three years of insurance how long to return.

Hello dear, I am a gold medal mentor for cooperation! I have received your question, it will take some time to answer, please wait a moment, it will take 5 minutes to get the result, please do not end the consultation, you can also provide more effective information, so that I can better answer for you Thank you!!

Dear I am happy to answer for you, oh 60 years old care pension day begins, then you can receive 3% of the sum insured every year. From the age of 30 to the age of 60, we can receive, 10,000 + 9,021 yuan 30 years = 280,630 yuan. At the age of 60, China Life Xinfu Winner Annuity Insurance can receive back the premium of 500,000 yuan.

It can also be understood in this way, in 30 years, we can get 780,630 yuan, about 780,000 yuan. Relatively speaking, China Life Xinfu Winner Annuity Insurance is not very fast in terms of the speed of return to principal, and the premium can only be returned on the day of receiving the care fund, and the interval is quite long. And in 30 years, the income is only 280,000 yuan more than the premium.