Xinhua Life s Bao Jiqing has more than two insurances, and it has been paid for 3 years, should I re

Xinhua Life's Bao Jiqing has more than two insurances, and it has been paid for 3 years, whether it should be refunded according to its own needs, but there will be a loss of funds if the policy is surrendered.

Normal surrender. Surrender beyond the cooling-off period will be regarded 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 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.

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

Surrender during the cooling-off period.

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.

I was a salesman, and I was also fooled by the company, and the dividends were said to be extravagant, in fact, this insurance protection is low and scared to death, if you value the protection of who will buy this ghost thing, it is far better to spend more than 100 yuan to buy 100,000 yuan of accident insurance. Not only my uncle, but also my daughter and I, as well as my nephew and cousin, all bought it, and they have not yet expired, so they all have to continue to pay, but from the perspective of my uncle's situation, I can basically get back the principal plus a little pitiful interest after the expiration date, because the surrender is not cost-effective, and I almost have to give Xinhua a lot of money. To put it bluntly, Xinhua should be illegal financing, but the people are a vulnerable group, and they have done it seamlessly on the insurance policy, without promising actual dividends, only saying that the dividends are uncertain, and there will be no excuse for not giving you dividends when the time comes.

But when giving a lesson to the salesman, inducing the salesman to believe that the prospects of this insurance are promising, and then reassuring the people through the fooled salesman, is actually sugar-coated poison. Then wait for the people and salesmen to find out that it is too late, and there is no more evidence to sue them. Xinhua naturally sat back and relaxed, whitened the people's money, and faked compassion every day, and encouraged the salesmen who continued to be fooled in the morning meeting to sing "Grateful Heart" in turn.

Summary. Founded in September 1996, New China Life Insurance Co., Ltd. (hereinafter referred to as "New China Insurance") is a state-controlled listed life insurance company and a directly managed enterprise of China Investment Corporation. At present, it has subsidiaries such as Xinhua Asset Management Co., Ltd., Xinhua Home Pension Enterprise Management (Beijing) and Xinhua Excellence Health Investment Management.

New China Insurance has a strong team of life insurance sales personnel and about 10,000 regular employees, and has 1,596 branches at all levels across the country. So far, it has provided various life insurance, health insurance, personal accident insurance and endowment insurance services for about 10,000 individual life insurance customers and about 10,000 institutional customers. In 2012, the company achieved insurance business income of RMB 100 million, and the company's total assets reached 100 million yuan, achieving positive growth in premium income and continuing to maintain the top three position in the industry.

Hello, dear, Kai is honored to answer for you! Xinhua Insurance auspicious more than 20 years will be returned to the pro, the answer to your question is: can be returned to the pro "Hello, pro, this product belongs to the floating dividend type insurance, the principal can be taken after expiration, and the additional income will not be fixed, it depends on the market economy to decide".

Founded in September 1996, New China Life Insurance Co., Ltd. (hereinafter referred to as "Xinhua Insurance") is a state-controlled listed life insurance company and a directly managed enterprise of China Investment Corporation. At present, it has Xinhua Asset Management Co., Ltd., Xinhua Home Pension Enterprise Management (Beijing) Co., Ltd. and Xinhua Excellence Health Investment Management. New China Insurance has a strong team of life insurance sales personnel and about 10,000 regular employees, and has 1,596 branches at all levels across the country.

So far, it has provided various life insurance, health insurance, personal accident insurance and endowment insurance services for about 10,000 individual life insurance customers and about 10,000 institutional customers. In 2012, the company achieved insurance business income of RMB 100 million, and the company's total assets reached 100 million yuan, achieving positive growth in premium income and continuing to maintain the top three position in the industry.

Summary. Hello, Xinhua Life Insurance Jiqing has more than two insurance A payments, paid for 20 years, and can only receive the cash value of the 20th year in the form of surrender after expiration, about 10,000 or so.

Xinhua Life Insurance auspicious more than two insurance paragraphs, 04 years to pay, pay 1000 yuan per year, pay 20 years, how much can be taken after expiration.

Hello, Xinhua Life Insurance auspicious more than two insurance A paragraph, pay for 20 years, after the expiration can only be in the form of surrender of Hongxian to receive the cash value of the 20th year, about 10,000 yuanxiang.

The insurance is not fully surrenderable at the end of the term, but only the cash value of the current year. For example, after paying for 20 years, you can only return the cash value for 20 years. It is not recommended to surrender the policy after the expiration of the insurance period, because after the surrender of the filial piety book, all the protection can not continue to be enjoyed, and there will be losses.

It is recommended to wait for the cash value of the insurance to be greater than the principal paid, and then choose to surrender the policy or wait for the age before choosing to surrender the policy, the cash value will increase with time. Therefore, after the expiration period, you can wait for a long time before choosing to return.

Summary. Referring to Xinhua's dividend rate, the initial basic sum insured is about 42,800. As far as I know, a total of 45,000 in fifteen years, and you can get three parts at that time:

1. Basic sum insured: 42800 2. Annual dividend: about 6800 (calculated according to 1% of the annual dividend) 3. Final dividend:

About 498 (calculated according to 1% of the final dividend) Total: 50189 In addition, the 45,000 yuan was entered into the insurance company in 15 years.

This question is up to me, it takes a little time to type, so please be patient.

Referring to Xinhua's dividend rate, the initial basic sum insured is about 42,800. As far as I know, a total of 45,000 will be paid in fifteen years, and you can get three lead judgments at that time: 1. The basic insurance amount has been quietly changed:

42800 2. Annual dividend: about 6800 (calculated according to 1% of the annual dividend) 3. Final dividend: 498 Zuo Yunxiang right (calculated according to 1% of the final dividend) Total:

50189 In addition, the 45,000 yuan is entered into the insurance company in 15 years.

If you have answered your questions, please click on the evaluation to give 5 little stars to like Oh, I would like to rent If there is no rock trouble to answer the question, you can leave a message or consult again, I hope it can help you

On November 1, 2010, the China Banking Regulatory Commission (CBRC) issued the Notice on Further Strengthening the Compliant Sales and Risk Management of Commercial Banks' ** Insurance Business. I will explain to you a few of them that are helpful to you, I hope they will be helpful to you.

3. Commercial banks shall comply with the following provisions when carrying out ** insurance business:

1) Insurance products shall not be confused with savings deposits, **, bank wealth management products and other products, shall not be simply compared with the above-mentioned products, and shall not exaggerate the benefits of insurance products.

2) Explain to the customer that the main body of the insurance product is the insurance company, and truthfully remind the characteristics and risks of the insurance product.

3) Truthfully inform customers of important matters such as the expiration date, insurance liability, home visits, expense deductions, and surrender fees of insurance products.

4) Misleading sales shall not be carried out by means of winning lottery, **, rebates, or sending physical goods, insurance, etc.

5) Other matters stipulated by laws, regulations and regulatory authorities.

Therefore, if the bank personnel do not explicitly indicate that it is an insurance product, it must be in violation.

Ten. 2. The personnel who directly sell insurance products to customers through the outlets of commercial banks shall be bank sales personnel who hold the qualification certificate of insurance practitioners; Commercial banks shall not allow personnel of insurance companies to be stationed at bank outlets.

On November 26, insurance companies were already prohibited from buying after the bank was stationed, so it would not be a salesperson of the insurance company.

Ten. 8. Commercial banks shall, in accordance with regulatory provisions, supervise and urge insurance companies to conduct customer return visits to new life insurance policies with an insurance period of more than 1 year during the hesitation period of the insurance contract in accordance with regulatory provisions, and require the insurance company to properly keep the record of the return visits; Depending on the actual situation, the insurance company may be required to conduct a face-to-face visit with the customer and make a detailed record of the return visit.

If the hesitation period has passed, there must be a return visit record, and you can query the return visit record to see if there are any problems in the return visit.

To sum up, first of all, you determine whether the cooling-off period has passed, and if not, you can directly surrender the policy without loss.

Secondly, if you really want to surrender the policy after the cooling-off period, then you can complain to the bank.

Finally, as a staff member of an insurance company, I still agree with insurance, I don't think there is a need to be so repulsive about insurance, now there are many people who buy insurance, and insurance is also accepted by many people as a way of financial management. Double Happiness has been on the market for almost 10 years, and there are many customers who have bought Double Happiness to continue buying. In particular, the elderly who only use fixed deposits as a financial management method are very willing to continue to choose insurance after seeing the income level of insurance after maturity, so I suggest that you can learn about insurance and continue to understand this financial product.

People who want to surrender their insurance first think of how much they will refund and how much they can refund? Let's put a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

If you are not in a hurry to use the money, it is recommended that you do not surrender the policy, the loss is very large, and if you need it urgently, you can borrow from the policy.

Surrender Procedures:The policyholder can bring his ID card, insurance policy, and savings card to the insurance company's business department to fill in the surrender application!

How much money can be refunded under an insurance policy is divided into the following situations:

(1) Full surrender

Generally, there are several situations in which the policy can be surrendered in full:

1.Surrender during the cooling-off period

There will be a hesitation period to buy insurance, if you surrender the insurance during the hesitation period, you can refund all the premiums, and you will deduct about 10 yuan of the production cost, the general hesitation period is calculated from the receipt of the contract, generally speaking, it is 10-15 days, and the contract will be stipulated.

2.It is signed

Due to the non-standard operation of some salesmen, the signature of the insurance contract is signed, and the application for surrender in this case can be refunded in full.

3.There is evidence

If there is evidence of illegal operation or deception of consumers, the full amount can also be refunded when applying for surrender.

(2) Refund of cash value

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

If you want to surrender the policy and want to know the cash value of the policy, you can read the contract or call the insurance company **, which can generally be calculated like this:

(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 agreed to give the customer a fixed insurance premium, and the other part of the insurance money to the customer is related to the operation of the insurance company, this part is called a dividend, which is uncertain. The detailed explanation is here:

"Demystifying the Mystery of Dividend Insurance".

Obviously, beyond the hesitation period and then surrender, the money that can be returned is basically less than the premium paid, that is, there will be a loss, if the decision to surrender has been made, the details of the surrender I put here:What are the details to pay attention to when surrendering an insurance policy? 》

After the seven-day regret period, don't go to the insurance company, or you will be charged all kinds of fees.

You notify the insurance company first, and then report directly to the Consumer Association.

Remember that it is misleading consumers, misleading, not to say that you know that it is insurance, just say that it was discovered later, and it violates the right to know. Then be careful, don't let the insurance company go around the bend for you, and when the time comes, you will definitely have to charge all kinds of fees.

If you let the consumer association arbitrate, you must withdraw it completely, otherwise you will complain on the local news, which will definitely be useful.

I majored in insurance, and I am most unaccustomed to this kind of salesman, the scum of the insurance industry.

The first person who asked your mother to buy insurance was not the bank staff, but the staff of the insurance company stationed in the bank. Originally, there was a 10-day cooling-off period in the insurance contract, which means that the insurance company must refund the premium in full within 10 days after you receive the official contract and withdraw the receipt. So I don't know what your 15 days are like.

If it is 15 days from the day your mother bought it at the bank, it should be that the policy has not yet reached the 10-day hesitation period, and the policy can be surrendered in full. If these 15 days are 15 days after receiving the formal contract and signing the receipt, then it is over the hesitation period, and if the policy is surrendered after the hesitation period, the loss is very heavy. 140,000 is estimated to be 670,000.

Another important question here is, who are the policyholders and insureds of this insurance? The Insurance Law stipulates that if a life insurance policy is signed by another person without the signature of the policyholder and the insured, the contract shall be invalid. The insurance company is required to refund the premium.

If your mother is really illiterate, and this insurance is for you, then you should not sign it. Then you can use this as a reason to ask the insurance company to refund the premium. Otherwise, you can directly go to the CIRC to complain.

If your mother bought this contract for herself, things are a bit of a problem. However, you can try to ask the insurance company to surrender the policy, and just say that the salesman was misled in the first place. Because the CIRC also has regulations:

When the insurance company sells insurance to customers, it cannot be said that it is saving money, so as not to mislead. If the insurance company does not agree to surrender the policy, then it will also complain directly to the CIRC. There have been successful cases where some people have bought bancassurance products by mistake and surrendered the insurance after the hesitation period, which was processed by the Insurance Regulatory Commission and the premium was refunded.

The insurance company was fined 50,000.

The specific surrender procedure is to bring your ID card and the original insurance contract to the business department of the insurance company to go through the surrender procedures.