For small children. Life Zhixin Whole Life Insurance, a universal one, has been bought for 14 years.

Xueba talks about insurance, focusing on insurance evaluation! Compare more before buying critical illness insurance, choose carefully, and try to avoid economic losses caused by surrender, just like these products, you must consider them carefully when buyingTop 10 [Not Worth Buying] Critical Illness Insurance Points!

It is recommended not to return, there is a loss if you return, you can only refund the cash value, or you need to consider carefully. Before surrendering, you can have a detailed understanding of the surrender of the policy

Many people buy insurance casually, but then want to surrender it for various reasons. Then we should be serious when surrendering, and we should all know these key knowledge points of surrenderHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Under normal circumstances, the premium cannot be fully refunded if the policy is surrendered. A portion of the loss will be made, but it will not include the following two cases:

1.Cooling-off period surrender:About 10-15 days after the purchase of the insurance, it is generally called the hesitation period of the insurance, if you surrender the policy within this time period, the probability of getting back the full premium is almost 100%;

2.Sales misleading:If the relevant salesperson misleads when buying insurance, resulting in the signature of the insurance contract not being signed by the person, it is very likely that the entire sum insured will be refunded.

Not in these cases, there will be a certain degree of loss, what can be done is to try to minimize the loss, for example, you can choose to reduce the amount to pay off:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This will be more cost-effective than direct surrender, but it may not be suitable for every product, and the specific situation will need to be confirmed with the insurance company to know.

In addition,These situations should not be taken lightly when surrendering:

It is best to choose to cancel the insurance after the waiting period of the new insurance has passed, and try not to interrupt the coverage.

2.Health Status:If you are not in good health, you may not be able to pass the health notice of the new insurance, and it is not recommended to surrender the policy in this case.

3.Payment card balance:If you have made the decision to surrender the policy, you can first clear the balance of the card that was previously bound to pay the insurance premium, if the surrender is not successful, it is very likely that you will be deducted when the payment period is up.

There are many more surrender details that we need to pay attention to, I won't go into details, if you want to know more, you can take a look at this articleWhat are the details to pay attention to when surrendering an insurance policy? Hope!

I've been buying it for 14 years, why do you have to surrender the insurance, there are still a few years to pay, it can be refunded, but you have to lose money, it's not cost-effective.

Zhenxin Beizhi Insurance can be surrendered after 5 years.

If the policyholder needs to surrender the policy, he can contact and consult the insurance company in advance, make an appointment to surrender the policy, understand the relevant documents and materials required for the surrender, and prepare the written application for the termination of the insurance contract or the surrender application, the insurance policy, the identity certificate of the policyholder, the payment voucher, the bank card, etc.

The policy is divided into paper policy and electronic policy, if the paper policy is accidentally lost, the policyholder needs to consult the insurance company staff in advance whether the policy can be replaced.

If the policyholder needs to entrust another person to surrender the policy on behalf of the policyholder, it is also necessary to provide the identity certificate of the policyholder, the identity certificate of the agent, and the power of attorney signed by the policyholder.

After preparing the relevant materials, the policyholder can go to the insurance company or the insurance company's service outlets to surrender the policy, and wait for the insurance company to check the surrender of the insurance company after the insurance company has successfully reviewed and signed the surrender contract.

2. Can the principal be refunded after 5 years of surrender of Zhenxin Beizhi Insurance?

After 5 years, the surrender of the policy can only refund the cash value of the policy, and will not refund the full premium.

10 15 days after the purchase of the insurance, is the hesitation period of the insurance, Zhenxin Beizhi Insurance Cong Shen after 5 years obviously exceeded the hesitation period of the insurance, beyond the hesitation period of the insurance surrender can only return the cash value of the policy.

The cash value regulations of each insurance company are different, and the refundable premiums are also different, and the specific cash value amount can be calculated by contacting the insurance company's staff or by yourself.

Carefully calculate the cash value you can get back. If the cash value that can be recovered is too small, you can negotiate with the insurance company to reduce the amount of money to reduce the loss.

3. What should be paid attention to when surrendering Zhenxin Beizhi Insurance?

First, if the policyholder wants to surrender the policy, it is best to do so during the hesitation period, at which time the insurance company will deduct no more than 10 yuan of the production cost, and the rest of the premium will be refunded to the policyholder, and the policyholder will generally not incur any loss. Otherwise, the policyholder is likely to bear the loss at his own expense, and the insurance company can only refund the cash value of the policy.

Second, when the policyholder surrenders the policy, he or she should also consider his own situation and the insurance conditions of the new insurance he wants to insure. If you find that your health condition has changed after surrendering the policy, you may be rejected by the new insurance policy, and it may be difficult to re-apply for the previous insurance product.

Yes, PICC Zhenxin Life Insurance is a whole life insurance product, after 5 years of insurance, Brother Kai can apply to PICC to surrender the policy, refund the premiums paid, and get the corresponding accumulated interest.

PICC Life Insurance Zhenxin Life Insurance will return the money after 5 years of financial management, PICC Key Friend Bi Zhenxin Life Insurance is a whole life insurance, the protection period is lifelong, so as long as the insured survives, there is no expiration of this statement. If the insured dies, the insurance contract will be terminated, and the beneficiary or legal heir will receive the defense, if the insured survives, there is no expiration period, and the surrender amount is the cash value of the policy.

Yes, PICC Life Insurance Zhenxin Life Insurance will return the money after 5 years. PICC Life Insurance Zhenxin Life Insurance is a whole life insurance product, which can provide protection for life, and part of the premium can be refunded in accordance with the agreed terms after the expiration of the insurance period, as well as the insurance money agreed in the Daliang policy, as well as the accumulated income from the reputation.

If you are purchasing PICC Life Insurance Zhenxin Life Insurance, you can check the terms of the insurance to understand the various cash benefits that the insured is entitled to during the insurance period, including the amount of benefits that can be received at the end of the 5-year period.

Under normal circumstances, the insurance period of PICC Zhenxin Life Insurance is 5 years, and after the expiration of the insurance period, you can apply for the payment amount at the end of the 5-year period according to the terms of the insurance, and this payment amount can be used to refund the premium paid when you purchased the insurance.

Yes. Sunshine Life Whole Life Insurance can be surrendered after 5 years.

1. If the policy is surrendered within the 10-day hesitation period, the surrender during the hesitation period will only deduct the cost of production and the insurance money will be refunded.

2. After the hesitation period to apply for surrender, Zhenxin Beizhi whole life insurance pays for three years and is trapped or paid for five years, which is the fifth year to return to the capital, and after five years, you can choose to reduce the insurance, and the contract will continue to be effective, or you can choose to surrender.

Usually, the amount of refund is calculated by the policy in which the insured person has paid the premium.

This is a whole life insurance, has passed the hesitation period to change the spring, surrender is the cash value, after 5 years the cash value may be higher than the premium paid, or there may be a gap with or take the premium.

Zhenxin Beizhi Insurance can surrender the policy after 5 years.

This is a whole life insurance, which has passed the hesitation period, and the surrender is the cash value, and the cash value after 5 years may be higher than the premium paid, or there may be a gap with the premium property bank.

Number. PICC Life Insurance Zhenxin Life Insurance Wealth Management No. 5 is a long-term insurance wealth management product tailored for middle-aged and elderly customers, aiming to provide customers with safe, stable and efficient protection and financial services. The insurance period of the product is 20 years, the premium is flexible, it can be paid monthly, quarterly, semi-annually or one year, the insurance age is 50-75 years old, and the insurance period is up to 80 years old.

The product provides an insurance amount of up to 500,000 yuan, and can enjoy lifelong protection during the protection period, and can obtain a certain amount of insurance money after the policy expires, and can provide a variety of insurance and financial management plans according to the needs of customers to provide customers with more protection and financial services.

In the first year, only 50% of the premium paid will be refunded less the benefit fee.

In the first year, you can only refund 50% of the money you taught, which is 1250 yuan! It is recommended that you think twice!

1250, the general universal insurance will be refunded half in the first year. 75% refund in the second year

After paying for 11 years, I want to surrender the insurance, and the money can be all recovered.

Want to buy universal insurance, but don't know the right one?

Answer: Universal insurance payment for life, deduction for life, annual cost deduction are all **!

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has a long-term and stable income, and the investment income is high or low 4. The annual premium should be in line with their own financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years 6.

Universal insurance itself is like this, you choose a company that is not very good, and at the same time what problem do you want to solve with universal insurance?