Ping An Insurance Outsmart Life just bought it, and if you want to surrender it, can you?

Due to a change of residence or a move to live or work in a foreign country, the customer can apply for the relocation of the policy from the original signing institution to other branches of New China Insurance to continue to enjoy the rights and obligations of the insurance contract.

Applicant: Policyholder.

Preparation materials: Application for Preservation Operation, original insurance contract, latest payment voucher, original identity certificate of the policyholder, original identity certificate of the trustee (if entrusted to another person).

Note: The policyholder shall submit an application at the location of the moving institution, fill in the "Application Form for Preservation Operations", and submit the relevant application materials to our company according to the regulations after the policyholder, the insured (if the insured is a minor, it must be signed by his guardian), and the client (if it is handled by another person);

At present, our company only provides policy migration for individual business products (except for investment-linked products and short-term insurance products with a term of less than one year (including one year));

The move-out and move-in institutions are all branches of our company that have been opened;

For insured accidents that occur during the migration of the policy, the liability shall be defined based on the zero hour of the move-out date, that is, the move-in institution shall bear the insurance liability from 0:00 on the move-out date, and the move-out institution shall bear the insurance liability before the midnight of the move-out date;

Our company will not accept applications for policies that are in the process of claims, within the grace period, with outstanding premium payments or policy pledge loans, with outstanding payments, and in the process of bank transfer.

To sum up, New China Life Insurance can handle the transfer business through cooperative outlets or Xinhua customer service centers with relevant materials.

Surrender. The policyholder may request to terminate this contract after the contract is concluded. The following documents need to be prepared for surrender of life insurance:

Application for termination of contract;

insurance contracts; Proof of the policyholder's legal identity.

There are two types of surrender:

Cooling-off period surrender:

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 is considered 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.

Note: In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual responsibility, 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 termination to the insured according to the regulations, and this part of the amount is the cash value of the policy.

During the cooling-off period, the policy can be surrendered and the premium paid will be refunded.

The refund is not much, and the maximum is not more than 30% of the investment.

The point is that you've been enjoying insurance for almost five years. This service is non-returnable!

The absence of insurance does not mean that you have not received service.

People who decide to surrender the insurance will definitely think about how much they will refund and how much they can refund. Let's send a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much money can be refunded from the policy is divided into these three situations:

(1) Full surrender

Generally, these conditions can be surrendered in full:

1.Surrender during the cooling-off period

Generally, there is a hesitation period for buying insurance, and the surrender of the policy can return all the premiums during the hesitation period, and the cost of production will be charged about 10 yuan, and the hesitation period is generally calculated from the receipt of the contract, generally speaking, it is 10-15 days, and there will be provisions in the contract.

2.It is signed

Due to the irregular operation of some salesmen, the signature of the insurance contract is not the signature of the person, in this case, you can apply for a full refund.

3.There is evidence

If it can be proved that the person violated the rules or deceived the consumer, the full premium can also be refunded if the application for surrender is also possible.

(2) Refund of cash value

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

The cash value of the policy can be calculated as follows:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it will be divided into two parts, one part is the fixed insurance money that will be given to the customer, and the other part of the insurance money to the customer will be paid according to the operation of the insurance company, which is uncertain and called dividends. The details are sorted out here:

"Demystifying the Mystery of Dividend Insurance".

It can be found that if the policy has exceeded the hesitation period and then surrendered, the money that can be returned is basically 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? 》

How much money can I get when I die of Ping An Outsmart Life Whole Life Insurance? (Pay for ten years, 6,000 yuan per year).

Why do you want to quit? Generally, the principal cannot be recovered.

How much can I get back when I surrender my insurance?

Call the customer service of the insurance company directly to ask, the surrender amount is different every day, the later you return, the more money you will return. Don't ask the salesman how much money he can refund, many salesmen run the train with their mouths full, deceive customers, and the salesman can't believe what he says. If you have any questions, it is the most reliable to call the customer service of the insurance company**, the customer service ** has a recording, there is the supervision of the China Banking and Insurance Regulatory Commission, and the customer service will not lie.

Ping An Outsmart Life Whole Life Insurance (Universal) is a wealth management insurance with a minimum annual payment of 6,000 yuan

In the first year, a handling fee of 3,000 yuan was deducted, and only 3,000 yuan was deposited into the insurance account.

In the second year, a handling fee of 1,500 yuan was deducted, and only 4,500 yuan was deposited into the insurance account.

In the third year, a handling fee of 900 yuan was deducted, and only 5,100 yuan was deposited into the insurance account.

In the fourth year, a handling fee of 600 yuan was deducted, and only 5,400 yuan was deposited into the insurance account.

In the fifth year, a handling fee of 600 yuan was deducted, and only 5,400 yuan was deposited into the insurance account.

In the 5th year, 300 yuan will be awarded for continuous payment.

In the 6th year and subsequent years, a handling fee of 300 yuan will be deducted every year, and only 5,700 yuan will be deposited into the insurance account.

A total of 48,000 yuan was paid in 8 years, but in fact, only 40,800 yuan was deposited into the account, and the rest were deducted by Ping An. Of course, there is interest on the account, and the specific amount of interest in the past 8 years should be called Ping An customer service** to ask, and it is estimated that it will be good to be able to return to the original cost.

Wealth Management Insurance Pit Prevention Guide].

1. Don't listen to the salesman's foolishness, the income must be too high! Insurance is a safe financial management, and the interest rate is similar to that of a bank deposit.

2. Be sure to read the terms of the insurance contract, if you don't understand, come to me directly.

4. Take a calculator to calculate how long it will take to pay back the money, many financial insurance companies will not be able to return to the cost for decades, so you must prevent pits.

5. If you want to copy the sentence "The yield above the guaranteed interest rate is uncertain" when applying for insurance, you must be cautious, this sentence is a trap.

6. All signatures when applying for insurance must be signed by the policyholder himself, if the salesman signs on behalf of the policyholder, it is an illegal act, the insurance contract is not established, and the insurance can be surrendered in full.

Financial insurance is the easiest insurance to hide, don't look at human feelings when buying insurance, be cautious. I hope mine can help you, you don't understand insurance, feel free to ask me.

Outsmart Life is an insurance product of Ping An Life Insurance Company. After the insurance is surrendered, the insurance company will no longer be liable for any insurance, so it is recommended that you consider it carefully. Surrender is based on the cash value, and you can take a look at the cash value table at the end of each policy year.

If you have any questions, you can contact the salesman or Ping An Life can contact 95511-1 for consultation.

Ping An Life customer**95511

Pay for 10 years and get a full refund.

1. Universal whole life insurance.

Guaranteed for life, the account value can be compounded monthly.

Add value and add critical illness.

and life insurance protection Qingbi. It is recommended to hold for a long time, at least 15 or 20 years, which can take into account the maximization of protection and benefits, and can be withdrawn in the short term, but the initial cost in the early stage is higher and the benefits are smaller, so it is recommended to hold it for a long time.

Second, take peace and wisdom over life as an example:

1. There is a higher initial fee at the beginning of payment, and the initial cost in the first ten years is about 135% of the initial premium;

2. The cost of protection is deducted for life, and the cost of protection is the corresponding insurance premium for death and critical illness, the cost of protection is relatively low when you are young, and the cost will rise with age, so you should reduce the amount of insurance in time when you are old.

3. Deferred payment of premiums, if you want to pay the premiums in the first ten years of payment, Ping An Company will pay 75% of the insured amount, so you must pay the premium on time in the first ten years of payment.

Summary. Ping An Outsmart Rensheng Insurance is a universal insurance that you have paid for for nine years, and it is very cost-effective to surrender the policy now. If you insist on a refund, you can go to the local safety counter or use the mobile app to handle it.

Ping An Outwitted Life Universal Insurance was paid for 9 years and wanted to surrender the policy.

Ping An Outsmart Rensheng Insurance is a universal insurance that you have paid for for nine years, and it is very cost-effective to surrender the policy now. If you insist on a refund, you can go to the local safety counter or use the mobile app to handle it.

At present, the insurance premium can be surrendered after 10 years, which is the right granted to the policyholder by the Insurance Law. First of all, let's take a look at the product introduction of Ping An Life: Smart Life is a universal insurance product, which consists of main insurance and additional insurance.

1.The main insurance is death or total disability liability, and the value in the policy account will be paid in the unfortunate death of the insured; In the event of accidental death, the sum assured of the policy will be paid; If the disability is caused by an accident, the compensation can be paid in proportion to the disability level, up to the sum insured of the policy; In the event of death or dismemberment in a traffic accident, additional coverage will be paid. (Termination of contract after death or total disability claim) 2

Optional) Additional Early Payment Critical Illness Insurance, (90-day waiting period) 30 critical illnesses will be paid once, and the sum insured (shared with the main policy) will be paid, and if the sum insured of the main policy is reduced to zero, the contract will be terminated. 3.(Optional) Additional Worry-Free Accident Insurance, which pays the sum insured in the event of death within 180 days from the date of the accident; If the accident causes disability within 180 days from the date of occurrence, the compensation will be paid in proportion to the disability level, up to the sum insured of the additional insurance; If you die within 180 days from the date of the accident while riding the passenger bus as a passenger, an additional sum insured will be paid.

Summary. Solved! Hello dear, your question Ping An Life Insurance doesn't want to buy how to let him surrender in full The answer is: The method of full surrender is as follows! <>

1. Full surrender during the hesitation period In order to protect the rights and interests of users, general long-term insurance will have a hesitation period, that is, the surrender is within the hesitation period. The insurance company will refund the premium in full at most. During this period, there was basically no loss for users.

Therefore, I remind everyone that after applying for insurance, you should also be cautious about your policy during the hesitation period. 2. Surrender under specific circumstancesIf these circumstances occur, the user can also apply for the policy to lapse and request a full surrender. If the insurance company refuses, the user can also file a complaint with the China Banking Regulatory Commission.

Normally, the receipt, application form, insurance notice, and risk warning of the policy are not copied by the person, or the signature of the insured is signed by someone else. Secondly, the insurance company did not conduct a return visit, or did not prompt the relevant risks during the return visit. In this case, a full surrender can be applied for as an exception.

Ping An Life Insurance doesn't want to buy it, how to let him return it all.

Solved! Hello dear, your question Ping An Life Insurance doesn't want to buy how to let him surrender in full The answer is: The method of full surrender is as follows! <>

1. In order to protect the rights and interests of users, long-term insurance will have a hesitation period, that is, the surrender is within the hesitation period. The insurance company will refund the premium in full at most. During this period, there was basically no loss for users.

Therefore, I remind everyone that after applying for insurance, you should also be cautious about your policy during the hesitation period. 2. Surrender under specific circumstancesIf these circumstances occur, the user can also apply for the policy to lapse and request a full surrender. If the insurance company refuses, the user can also file a complaint with the China Banking Regulatory Commission.

Normally, the receipt, application form, insurance notice, and risk warning of the policy are not copied by the person, or the signature of the insured is signed by someone else. Secondly, the insurance company did not conduct a return visit, or did not prompt the relevant risks during the return visit. In this case, a full surrender can be applied for as an exception.

If it is not for the above circumstances, otherwise the policy cannot be surrendered in full, and you can only reduce your losses through "deduction settlement". If you don't want to continue to participate in insurance, the surrender loss will be very large. In this case, a "reduction" approach may be considered.

Generally speaking, if the sum insured is reduced, the subsequent premiums will not have to be paid. However, this coverage is always present and is more cost-effective than outright surrender. However, the argument is that not all insurance products can be reduced in price and paid out, so it is best to ask the insurance company you are insuring before you operate.