Ping An Insurance has been paid for 2 years, and I want to change the type of insurance

Direct replacement is definitely not possible, talk to the salesman, generally speaking, after the hesitation period, it is difficult to replace, you can only surrender and buy. Because the insurance company has already given the salesman's commission, and the insurance investment has also been invested, it is impossible to return the full amount.

There are two ways to switch to other types of insurance:

Withdraw the piece, and let the salesman withdraw the piece immediately after paying the fee. The withdrawal is the easiest way, and the salesman will hand over the 1080 documents and insurance information and the withdrawal letter (the withdrawal letter will be collected and filled in at the counter) to the counter for processing. Surrender is possible during the 10-day cooling-off period.

Wait for the customer to get the insurance policy.

After signing the receipt, the policy will be surrendered during the cooling-off period. You can also terminate your payment and withdraw the balance for another type of insurance. You can also buy additional insurance for other protections, and I have summarized the protection content of each type of Ping An insurance and specific products, and if you need it, you can take a look at Ping An Insurance.

The types of insurance basically cover all the existing types of insurance in the market, and basically cover all the existing types of insurance in the market, such as health insurance and accident insurance, which everyone knows.

Life insurance, property insurance, travel insurance and car insurance, Ping An insurance is not very expensive, let's get to know the four main types of insurance of Ping An Insurance. 1. Health insurance Health insurance mainly includes medical insurance and critical illness insurance.

It can reduce the financial impact of critical illness or hospitalization on the family. Reimbursement of medical expenses for medical treatment is a feature of medical insurance and is a supplement to social security. As the name suggests, critical illness insurance provides coverage for specific critical illnesses.

If the insured suffers from the agreed disease, the insurance company will make a one-time payment in accordance with the contract, and the insured can be used for living or other purposes, such as living expenses, expenses, mortgages, car loans, etc. 2. Accident insurance Accident insurance refers to the insurance compensation agreed in the contract when the insured is injured due to personal injury caused by an accident. 3. Life insurance Life insurance is a life insurance that is conditional on the survival or death of the insured.

Ping An's life insurance mainly includes three types of return life insurance, participating life insurance and annuity life insurance, and Xiao'an Dingshou has always been a popular product of Ping An. 4. Property insurance As the name suggests, property insurance is to protect property. Non-man-made disasters such as ** and floods are compensated.

Ping An's main property insurance products include bank card security insurance and family photos.

First, what kind of insurance did you need to know before?

Second, figure out why you want to buy insurance and what kind of insurance is really suitable for you.

If you don't figure it out, then it will only become a cycle of changing insurance after a few years and finding out that it is not right and you need to change it after a few years, wasting your own time, energy and money.

Refund can be refunded, but there will be a big loss, and you have only paid for a year, the loss will be very large, because the insurance company will deduct the expenses will be deducted in the early stage, so there will be a situation that the more you deduct the expenses later, the less the cost will be deducted, and the remaining expenses will be deducted from the expense deduction is called the cash value, and the surrender will only get back the cash value.

If you are unable to continue paying the premium due to financial reasons, there is generally a grace period of 60 days, during which the policy is normally underwritten, and after 60 days, it will temporarily lapse, but there will be a 2-year expiration period, during which you can pay the premium again and the policy will be re-effective.

I don't know what kind of insurance you have bought, and is there an automatic payment? Automatic payment means that you can deduct the premium from the cash value when you do not continue to pay for some reason, but you have only paid for one year, and you believe that the cash value is more. I don't know if I can pay the premium in one installment (as mentioned earlier, the insurance company will charge you upfront).

My advice: if you feel that you can get the economy back to where it was within two years, you don't apply for a surrender. Instead, you'd better surrender the policy.

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

Summary. Hello, Ping An Insurance is a commercial insurance, if you want to pay social security, you can go to the place where the hukou is located to pay for the pension of urban and rural residents. Article 16 of the Social Insurance Law of the People's Republic of China stipulates that individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Article 2 of the Several Provisions on the Implementation of the Social Insurance Law of the People's Republic of China stipulates that when an individual who participates in the basic pension insurance for employees reaches the statutory retirement age, and the cumulative contribution is less than 15 years, the payment may be extended to 15 years. If the insurance is still less than 15 years after the implementation of the Social Insurance Law and the extension of payment for 5 years, the one-time payment can be made up to 15 years.

Hope mine can help you!

Ping An insurance can be transferred to social security after a few years.

Hello, I am Weiwei teacher, focusing on the field of professional career, good at five insurances and one housing fund, career development, college entrance examination volunteer planning, professional positioning and other fields to get filial piety. I have seen your question due to the large number of consultations, I will answer them one by one and query and summarize the data for the students, so please be patient, please do not close the order too early, you can provide more effective information to better answer you, such as retirement age, payment base, etc. I wish you good health and success in your work

Hello, Ping An Insurance is a commercial insurance, if you want to pay social security, you can go to the place where the hukou is located to pay for the pension of urban and rural residents. Article 16 of the Social Insurance Law of the People's Republic of China stipulates that individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance treatment in accordance with the regulations. Article 2 of the Several Provisions on the Implementation of the Social Insurance Law of the People's Republic of China stipulates that when an individual who participates in the basic pension insurance for employees reaches the statutory retirement age, and the cumulative contribution is less than 15 years, the payment may be extended to 15 years.

If the insurance is still less than 15 years after 5 years of insurance participation before the implementation of the Social Insurance Law, and the socks are prudently paid for 5 years, they can make a one-time payment up to 15 years. Hope mine can help you!

Do you have any other questions?

Okay, dear ruler, the above is my answer to your question, if your problem has been solved, please click to end the consultation and give 5 stars like, your lack of high Kenma meditation is my biggest motivation. If you have any other questions, please continue to leave a message, I will answer you in time. I wish you all the best in your work and a happy life. ❤️

Hello! When the car insurance is about to expire, it is very appropriate to renew the car insurance in the second year. Under normal circumstances, if the vehicle is not insured in the first year, you can enjoy certain discounts in the second year of renewal.

You can also change insurance companies if you need to. As for how to buy the right car insurance for the second year, it is recommended that you may wish to choose the right car insurance service provider through professional car insurance comparison and ** platform comparison.

How to choose the right car insurance company and type of insurance for your car in the second year?

1. When renewing the insurance, it is best to check with the insurance company about the insurance situation of your vehicle.

2. It is recommended to choose the main insurance and additional insurance with more comprehensive protection as much as possible, and it is best to purchase ** full renewal according to the vehicle.

3. From the principle of good faith, the car owner must fulfill the obligation to inform the insurance company truthfully.

4. The renewal should be timely, so as to avoid the increase in the rate of renewal.

The popularity of Ping An Insurance is so high, everyone knows that Ping An Insurance has strong strength, and it is definitely second to none in the industry"Insurance Company Ranking Those Things! 》

If the policy is already in force, it cannot be replaced. If you want other benefits, you can only surrender the policy or purchase an additional policy. The main thing to see is what protection you want to add, you can take a look at the major types of insurance that I summarized, and specifically understand what protection you can add to yourself.

Ping An Insurance's insurance basically covers all existing types of insurance in the market, including health insurance, accident insurance, life insurance, travel insurance, property insurance and car insurance. Friends who buy Ping An Insurance, if you want to avoid the routine, you must see:"How is safety, what products are there, which ones are good, what are the pitfalls and routines, in-depth analysis".

Let's first briefly understand the 4 main types of insurance of Ping An Insurance.

1. Health insurance

Health insurance consists of medical insurance and critical illness insurance, which can be reimbursed or compensated in accordance with the contract after the occurrence of critical illness or hospitalization. The characteristic of medical insurance is that the medical expenses of medical treatment are reimbursed, and the insufficient medical insurance of social insurance can cover it. Critical illness insurance is an insurance for critical illnesses, if a specific critical illness occurs to the insured, the insured can be used for **, life or other purposes, such as living expenses, **expenses, mortgages, car loans, etc.

The common health insurance products of Ping An Insurance Company are as follows.

The number one product of critical illness insurance, Ping Blind Preparedness, Anfu, naturally attracted much attention. Whether this product is really worth buying,"You must know these shortcomings of Ping An Fu 20! 》

2. Accident insurance

Accident insurance mainly covers the financial loss caused by accidents. The common Ping An products are Ping An Million Anything, Family Insurance and Aviation Accidents, among which many people want to start with Ping An Million Anything, but there are some places to be careful about this product, or poke the right to read this article and then decide:"Do you want to buy a million Ping An and let me do it".

3. Life insurance

Life insurance refers to the insurance that can be paid out when the insured dies after purchasing life insurance. It is suitable for the purchase of the breadwinner of the family, mainly to solve the problem of the heavy financial burden of the family after the death of the breadwinner.

4. Property insurance

Property insurance is the protection of property and its related interests. Economic losses from natural disasters such as floods and ** can be compensated in accordance with the contract. Ping An property insurance products such as bank card security insurance and family portrait are very popular among consumers. Hope!

10% discount for the first year of compulsory traffic insurance, 20% discount for two consecutive years, and 30% discount for three consecutive years. Up to 30% off. Commercial insurance is discounted.

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of cars, but it also includes special vehicles such as trams and battery cars, as well as motorcycle hidden vehicles.

Motor vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles, and special vehicles.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

According to the provisions of the Regulations on Compulsory Traffic Insurance, the owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall take out compulsory traffic insurance, and if the owner or manager of a motor vehicle fails to take out compulsory traffic insurance in accordance with the regulations, the traffic management department of the public security organ has the right to detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium payable.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured.

On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional insurances for third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

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