Ping An Fu, handed over for two years, hesitated to continue

It's okay to think about it, it's okay to be calm. But we still have to meet, at least you have to let me know that you are okay, my concern will never change.

Ping An Fu has been paid for 4 years, and you can choose to surrender the policy.

Ping An Fu belongs to the insurance type of Ping An Life Insurance Company, and the premium is relatively high. Of course, it is okay for everyone to surrender the policy, but on the premise that you have already paid the premium for four years, you need to be aware of the problem of financial loss. The surrender of the insurance company is not a full return, and it can even depreciate significantly.

Before surrendering the policy, you should consider whether you have bought the wrong insurance or want to change to another type of insurance, or whether everyone thinks that this is a pitfall. If you take into account your family, occupation and physical condition, and find that you really bought the wrong one, you still have to stop the loss in time.

Ping An Fu Insurance Introduction:

The relative sum insured is also relatively high, while the policy surrendered during the hesitation period is basically only the cash value, and the economic loss is not ordinarily large. The specific amount of loss should be calculated according to the company's cash value table, using the premiums paid by the policyholder minus the company's management fees, the cost of commissions consumed, and the premiums and interest required for the policyholder's liability.

The documents and materials that need to be brought to the insurance company to surrender the insurance company include your ID card, insurance policy, bank card passbook and copy, and application for cancellation of the insurance contract. If you have not been able to make an appointment for the surrender business, and you encounter the situation of the staff shirking the responsibility, you can report the situation to the relevant departments to complain and report.

Dear, your insurance period has not arrived, and it is not recommended to surrender the policy if it does not expire.

If you want to surrender the policy, you can do so. There are the following methods:1You can call ** directly to the insurance company to surrender the policy2Surrender the insurance policy at the counter of the insurance company with the insurance contract, payment voucher, original ID card and other materials.

Generally speaking, if you have bought insurance for 4 years, if the annual payment is 5,000 yuan, then it is equivalent to saying that you have paid a total of 20,000 yuan in 4 years. For 20,000 yuan of insurance, the cash value in the fourth year is estimated to be more than 3,000 and less than 4,000. If your Ping An Fu insurance does not include dividends, then it will only cost three or four thousand yuan to get back, and if the insurance contains dividends, in fact, the dividends for 4 years are only a few hundred yuan, so it is not much more.

When you surrender the insurance, you must think clearly about whether you really don't need this insurance, and don't refund it if you really don't want it. Many people feel that they have lost too much money in surrendering, and they grit their teeth and continue to insist on handing it over. After all, although this kind of health insurance does not expect to get back how much money it will get back at the end of the insurance period, if something goes wrong during the insurance period, the insurance company will still be able to reimburse a large part of it.

But if you really want to surrender the policy, then it is estimated that you will only be able to return about 20% of the total value of the insurance you have paid in the end.

Keep buying, this is not bad, it's a pity to return it now, even if you don't need it later, it's to buy yourself a peace of mind and protection.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Go on, it's good, even if you return it now, you won't get much back.

Ping An Fu Critical Illness and Ping An Fu Accident cannot be purchased separately. Can you see why you think so?

Ping An Fu Insurance Product Plan covers a number of liabilities such as critical illness, specific mild critical illness, accident protection, accidental medical treatment, premium waiver, etc., and can also achieve the increase of the protection amount of main insurance and critical illness insurance by achieving sports goals, which is the best choice for the comprehensive protection plan for mid-to-high-end people, for more questions, please contact Ping An Life customer service 95511-1 for further consultation.

Return, pay for four years, also return.

There are too many examples around me to prove that it is difficult to buy insurance claims, cumbersome procedures, and inability to get complete evidence.

Although it has been paid for four years of insurance, many people will feel that it is a pity to surrender the insurance, but the longer the time to pay, the more they will lose, they have lost their money for four years, and one more year is equivalent to losing one more year of money, even if the insurance promises to return the money with dividends, in fact, it is the principal of the individual insurance, and the insurance company will not lose money to give dividends, and all the money is wool out of the sheep.

There are many people who go to surrender the insurance, pay 40,000 or 50,000 yuan in four years, and can only return a few thousand yuan when they retreat, that is because the insurance company's contracts are beneficial to themselves, and if they do not pay the money, they will list all kinds of regulations for deducting the principal, even if they fight a lawsuit with the insurance company, the probability of winning is negligible. Therefore, many people continue to pay money and wait for the so-called "dividends" when they can't return the money.

But one wrong step and one wrong step, I have been on the job for four years, and I have to continue to pay the money, this is not self-deception, so surrender the insurance, retire early and be happy. Otherwise, it is meaningless to feel sorry for the money paid every year, and you can't get it back.

[Insurance information inquiry is time-consuming, your problem is normal after ten minutes, please be patient and wait for ......I have seven years of experience in the insurance industry, and I am familiar with the products of various insurance companies, and I definitely have an answer that satisfies you

It has been paid for 5 years, and the premium has been paid 1 4, and the surrender loss is too great.

Of course, since I have your problem, I can give you two solutions:

1.Continue to hand over peace and well-being, after all, good is a guarantee.

2.Replace the payment for the next 15 years with a new insurance plan, as long as the new policy can exceed the existing Ping An Fu protection at the same premium, and the protection is richer and the service is better, it can be considered for replacement. The prerequisite is that you are medically qualified.

Ping An Fu can surrender the policy after 5 years of payment, but after the hesitation period, the surrender is based on the cash value of the contract, not the premium paid, and there will be a certain loss. However, it is not recommended to surrender the policy easily, as the relevant protection will be lost once the policy is surrendered, and the corresponding compensation will not be available in the event of an accident.

In addition, Ping An Fu is a representative critical illness of Ping An Life, which is a combination of lifelong protection products, the main insurance is whole life insurance, additional critical illness insurance, covering mild and critical illness protection, for consumers who have paid 5 years of premiums, its ** is definitely acceptable, if you are worried about the lack of protection responsibility, you can optimize the protection plan to carry out, such as the lack of separate division of moderate illness liability protection, you can add a consumption-based regular critical illness type, covering mild, medium and critical illness protection, to supplement the protection content; If there is no medical insurance, now the e-life insurance million medical insurance with a long renewal period can be replaced; If you feel that there is financial pressure to pay later, you can use the method of reducing the sum insured to relieve the pressure.

Summary. 1.Ping An Fu buys a five-year surrender period, which is a hesitation period after surrender, and only the cash value of the policy can be returned.

For example, if you pay 30-year life insurance, the first year's premium is 5520, if you pay 18 versions of Ping An Fu serious illness, you pay 30-year life insurance, the first year's premium is Ping An Fu There are many versions. Taking Ping An Fu 21 as an example, it is a kind of lifelong critical illness insurance, which mainly covers SI death, 40 minor diseases, 20 moderate diseases, 120 serious diseases, etc.

I've been buying Ping'an Fu for five years, and I'm struggling with whether to return it.

1.Ping An Fu buys a five-year surrender period, which is a hesitation period after surrender, and only the cash value of the policy can be returned. For example, if you pay 30-year life insurance, the first year's premium is 5520, if you pay 18 versions of Ping An Fu serious illness, you pay 30-year life insurance, the first year's premium is Ping An Fu There are many versions.

Taking Ping An Fu 21 as an example, it is a kind of lifelong critical illness insurance, which mainly covers SI death, 40 minor diseases, 20 moderate diseases, 120 serious diseases, etc.

Once the policy is surrendered, the relevant protection will be lost, and there is no risk of an accident. If you want to surrender Ping An Fu insurance after 5 years, it is generally not necessary. However, if you have the following two situations, it is necessary to surrender the policy.

The first situation is to buy the wrong product, for example, we need annuity insurance instead of critical illness insurance like Ping An Fu, then there is a need to surrender the policy. However, we have been buying Ping An Fu Insurance for 5 years, which means that it is not inappropriate in terms of protection, so for most people, it is not necessary to surrender the policy. The second situation is that you cannot afford the premium of Ping An Fu.

Ping An Fu is a critical illness insurance, so the annual premium expenditure is still relatively large, and everyone finds that their current expenditure on premiums has exceeded the scope of their own commitment, and it is still necessary to surrender the policy.

Summary. Ping An Insurance: Ping An Fu paid for three years, and about 40% of the principal can be refunded. "How much Ping An Fu can surrender after three years depends on the surrender agreement of the insurance contract.

After paying for three years, the surrender is a cooling-off period, and the insurance company will refund the cash value of the policy, but cannot refund the full premium, the cash value of the policy is usually indicated in the insurance contract, and the actual amount refunded will generally be lower than the full premium. It is worth noting that the policyholder surrenders the policy within the hesitation period agreed in the contract, generally 10 or 15 days after receiving the contract, and the insurance company will refund all the premiums after deducting the production cost. ”

How much can I return after three years of peace and blessing.

Ping An Insurance, Ping An Fuyun Jiyuan, paid three years, and surrendered about 40% of the principal. "How much Ping An Fu can surrender after three years depends on the surrender agreement of the insurance contract. After paying for three years, the surrender is a cooling-off period, and the insurance company will refund the cash value of the policy, but cannot refund the full premium, the cash value of the policy is usually indicated in the insurance contract, and the actual amount refunded will generally be lower than the full premium.

It is worth noting that the policyholder surrenders the policy within the hesitation period agreed in the contract, generally 10 or 15 days after receiving the contract, and the insurance company will refund all the premiums after deducting the production cost. ”

In the early stage of insurance, a lot of expenses will be deducted from the old source book, and it will be too much of a loss if you pay for 3 years. Insurance companies have split records. According to the prompts of the customer service, prepare the information, and then go to the address said by the customer service to handle the surrender.

There will be staff on site to guide us to fill out a surrender application form first, and we need to write down the reason and time for our surrender. This makes it easier for staff to conduct audits.

Summary. Ping An Fu can return 5,034 yuan after three years. It depends on the actual situation, taking Ping An Fu 18 version for 20 years for life, the first year premium is 5642, and the additional Ping An Fu Critical Illness 18 version is paid for 20 years for life, and the first year premium is 3750, for example, the cash value of the policy can be refunded after three years, and the cash value of the policy is 5034.

Different Ping An Fu versions, or their payment periods, payment amounts and other factors, the corresponding cash value is also different, please refer to the cash value table of the policy or consult the insurance company for details.

Thank you. Ping An Fu can return 5,034 yuan after three years. It is necessary to look at the actual situation, taking Ping An Fu 18 version to pay 20 years for life, the first year premium is 5642, and the additional Pinghe Air Anfu Critical Illness 18 version is paid for 20 years for life, and the first year premium is 3750 for example, the cash value of the insurance can be refunded after three years, and the cash value of the insurance early order that can be refunded is 5034.

Different Ping An Fu versions, or their payment periods, payment amounts and other factors, the corresponding cash value of the Ping An Sparrow is also different, please refer to the cash value table of the policy or consult the insurance company for details.

Summary. OK.

You can get a refund if you apply for a surrender after the delivery is broken. If you don't want to continue to buy the current insurance, there is a breakdown, and you want to return the money, you can apply for surrender, but generally in this case, you can only refund part of the premium, and the insurance company generally refunds according to the cash value of the policy, and the cash value has a certain gap with the total amount of premiums paid by the consumer, and this difference is directly related to the type of policy and the number of years of premiums paid, and nearly half of the principal will be lost. ”

Ping An Fu has not been paid for a few years, can I return it?

Hello, it's a pleasure to serve you! I am a professional in the field of finance, I am looking at your question here, the inquiry will take some time, please wait a little and don't worry, thank you.

It is revitable.

You can apply for a surrender after the payment is broken, and you can get the money back. If you don't want to continue to buy the current insurance, there is a breakdown, and you want to return the money, you can apply for surrender, but generally in this case, you can only refund part of the premium, and the insurance company generally refunds according to the cash value of the policy, and the cash value has a certain gap with the total amount of premiums paid by the consumer, and this difference is directly related to the type of policy and the number of years of premiums paid, and nearly half of the principal will be lost. ”