If I bought the participating insurance of Chinese Life, will all the principal amount of early surr

In this case, the hesitation period is within 10 days from the date of signing the contract, and the policy will be surrendered within 10 days, and the premium will be refunded in full, and only a certain amount of production cost will be charged.

After 10 days, it is calculated according to the cash value of the current year, which is not only the case for the life insurance company, but also for all insurance companies in the country.

Surrender is calculated based on the cash value stated in the contract. On the first few pages of the insurance contract, there are several statements about the cash value. At this time, you see what amount corresponds to the nth year, and the above is the result of how much you should receive.

Generally, the longer the time, the smaller the loss, after all, it is all paid, and you also have this protection, it is recommended that you return it cautiously.

In addition, if you surrender the policy early, you will definitely not get back the principal you paid.

Therefore, it is generally only possible to withdraw about 10---30% of the premium, which is certainly not cost-effective.

According to Chinese law, insurance has an initial expense deduction of 5 years, and at the same time, there is a lifetime policy management fee that needs to be deducted, so the principal is basically not repaid within 10 years, with the exception of financial management! The specific surrender benefit is also referenced in the cash value table of the contract!

Buying insurance is not for refunds. It is used for protection or financial management. Full refund within 10 days after signing the policy, and refund according to the cash value of the policy after 10 days.

How much money is refunded is determined according to the number of years of the payment period, the longer the payment time, of course, the higher the cash value of the refund, the return of the expiration of the guarantee, is not complete, there is definitely a loss, because, it is you who cancel the contract, you yourself have to bear the loss, the specific amount of refund, you can refer to the cash value column on the contract, according to the payment period to find, of course, this is just a reference, you need to consult the insurance company.

It will not be fully refunded, and the participating insurance will be put for at least 3 or 4 years before the principal will be returned.

The surrender amount is your cash value plus calendar year dividends.

You listen to her nonsense, it is impossible to refund all of it, and it is impossible to refund the money to you according to the corresponding cash value of the policy, and it is impossible to return the principal.

In addition, buying insurance is a good thing to have protection, so why should you surrender the policy? If you have a problem, you can contact the salesman in time, try to solve the problem, surrender your own economic loss is very large, you will feel that the insurance company is not good, deceived you, but everything is in accordance with the contract, who can you blame? Now some people feel that the insurance is not good to return, a few cows can not pull back, something will regret it, I hope you don't become such a poor person, or communicate with the salesman first, so as not to regret it.

Definitely not, what is returned is the sum of the cash value.

Whether the principal can be withdrawn after the expiration of Chinese life participating insurance mainly depends on the type of insurance, and some participating insurance types belong to whole life insurance, and this type of insurance cannot withdraw the principal after the payment expires; There is also a return-type participating insurance, which can withdraw the principal after expiration.

After the expiration of the participating insurance, the policyholder or the insured can go to the insurance company with his ID card and the policy to collect it. However, there are also some participating insurance companies in the market that stipulate that the principal can only be withdrawn on the specified cash withdrawal date, and under normal circumstances, the policyholder can receive dividends regularly in accordance with the provisions of the insurance company, and the principal can be withdrawn on the date specified by the insurance company.

How to get it. 1. For cash pickup, you can bring the policy and personal ID card to the insurance company to receive the cash dividend on the day of the policy dividend date.

2. Sum Insured Dividend, if it is in the form of Sum Insured Dividend, then the dividend cannot be taken out directly, and the bonus can be paid as a premium, or you can choose to increase the sum insured.

3. If the policyholder chooses to keep the dividends in the insurance company for accumulated interest, the dividends will increase according to the interest rate set by the insurance company at compound interest, but will not be added to the sum insured. During this period, if the policyholder needs to withdraw, he can also apply to the insurance company to receive it.

In fact, my dad does not recommend you to buy financial insurance, and the reason is here: "Why I don't recommend you to buy financial insurance".

Can I withdraw the principal after the expiration of the participating insurance?

I bought a participating insurance and paid it for four years, and I don't want to pay it, and now how much money can I get back if I surrender the policy.

It's not good, it's not as good as the bank, the real feeling, today to the life insurance company wants to withdraw the money (I bought it for my son ten years ago, it has expired) and not only can not return the principal, but I also have to lose more than 5,000 yuan, it's really a bully clause, how is the bank at least the principal is still there! It's really when I'm insured, and I really hurt when I think about the more than 5,000 yuan!!

Chinese life dividend insurance has a one-year return, a two-year return, a three-year return, a five-year maturity, a six-year expiration and so on, I don't know what kind of situation you mean by expiration? You have to be specific about the type of insurance to answer your question.

Insurance is not as good as banks, and participating insurance: The dividends of participating insurance are not better than bank interest, and they turn "living money" into "dead money".The vast majority of policyholders will feel cheated and surrender the policy within two years, (during the contract period, when the customer wants to cancel the contract, the insurance will deduct a considerable amount.)

However, the bank will only accrue the interest on the regular basis on current terms. Therefore, the type of insurance is.

Chinese Life, participating insurance.

Insurance is not as good as banks, and participating insurance: The dividends of participating insurance are not better than bank interest, and they turn "living money" into "dead money".The vast majority of policyholders will feel cheated and surrender the policy within two years, (during the contract period, when the customer wants to cancel the contract, the insurance will deduct a considerable amount.)

However, the bank will only accrue the interest on the regular basis on current terms. Therefore, the type of insurance is.

This is stated in your insurance contract.

Summary. How much is deducted from the surrender of Chinese life participating insurance Chinese The expenses that will generally be deducted from the surrender of life's participating insurance are the risk premiums provided during this period and the commissions paid to the salesman. The expenses that will be deducted every year are different, we can go to the cash value table to check the cash value table, plus the dividend account is the money we can get by surrendering the policy, and the money lost is the money deducted by the insurance company.

Of course, if the policy is surrendered during the hesitation period, the insurance company will not deduct the money, because this is a benefit provided by Chinese Life to consumers, and consumers are not satisfied with the product during the hesitation period and want to surrender the policy, and the insurance company needs to refund in full.

Hello, can the participating insurance of Chinese Life be refunded: it can be refunded. If it is a simple participating insurance, then its cash value is relatively high, so you can usually get back the premium paid after maturity; If it is a participating insurance with critical illness insurance, then its cash value is relatively low, so when you just pay the premium, you can't get back the premium you have paid.

How much is deducted from the surrender of Chinese life participating insurance Chinese The expenses that will generally be deducted from the surrender of life's participating insurance are the risk premiums provided during this period and the commissions paid to the salesman. The expenses that will be deducted every year are different, we can go to the cash value table to check the cash value table, plus the dividend account is the money we can get by surrendering the policy, and the money lost is the money deducted by the insurance company. Of course, if the policy is surrendered during the hesitation period, the insurance company will not deduct the money, because this is a benefit provided by Chinese Life to consumers, and consumers are not satisfied with the product during the hesitation period and want to surrender the policy, and the insurance company needs to refund in full.

Summary. Hello, the participating insurance of Chinese Life can be refunded, but only the cash value of the corresponding years can be refunded.

Hello, the participating insurance of Chinese Life can be refunded, but only the cash value of the corresponding years can be refunded.

If the insurance exceeds the hesitation period, the surrender can only refund the cash value of the insurance contract, for example, the cash value of the tenth year can only be refunded after paying for ten years, and not the full principal can be refunded if the policy is surrendered. In addition, if it has been paid, then it is not recommended to surrender the policy, because there will be a loss when the cash value is not greater than the principal after surrender, and the various benefits of the insurance contract cannot continue to be enjoyed. Of course, if the insurance company has violated the rules, this situation can be surrendered in full, for example, the insurance salesman is suspected of fraud, the suspicion of big insurance, or the conditions are not met, and the insurance company signs the insurance contract.

Hello help me take a look at my dear.

Yes, it can be refunded. Hello, did you see it.

Can be surrendered, see.

Thank you. You're welcome, we recommend that you take a look at the cash value of the insurance contract to see if there is a loss if the policy is surrendered.

Hello, can you help me do the math, thank you, because I don't quite understand.

You take a picture of the cash value table of the insurance contract, and I will take a look.

If the insurance amount is 10,000, it can be refunded after 2023.

Summary. Life participating insurance, simply put, is a commercial insurance product under a life insurance company that can provide dividend income, covering a wide range of types, including participating annuity insurance, participating both-insured insurance, participating life insurance, participating critical illness insurance products, etc. There must be differences in the design of protection responsibilities for different types of insurance, and the specific dividend income also varies with the operation of our company, which belongs to the expected income value, and there is no definite amount.

If I buy Chinese Life Insurance (dividend-paying) and want to surrender the policy, I just want to get back the principal?

Dear, after the hesitation period, you can't get back the principal if it doesn't expire! <>

<> life participating insurance, simply put, is a commercial insurance product under a life insurance company that can provide dividend income, covering a wide range of types, including participating annuity insurance, participating double insurance, participating life insurance, participating critical illness insurance products, etc. There must be differences in the design of different types of insurance in terms of protection liability, and the specific dividend income is also different with the operation of our company, which belongs to the expected income value, and there is no definite amount.

Although the superposition of cash value + dividends can be refunded, there is still a gap between this fee and the full amount of the premium paid.

After you get the policy and sign the receipt, you still have a 10-day hesitation period, and the company will only deduct 10 yuan from the cost of work during the hesitation period.

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 status.

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.

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

Summary. The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by the insurance company to bear the insurance liability of the policy interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Hello dear, that is, you can get back about 30% 60% of the premium paid.

Because the surrender can only be surrendered to the cash shelf of the insurance, the specific cash shelf can be opened by opening the policy, you can see the corresponding year of the cash value table, and the corresponding cash value will come out.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The specific figure will be given by the die slag insurance company for the year with a clear cash value table.

Of course, if you don't know how to read it, you can also send it to me to read it for you.