How to cancel your policy online and how to cancel your policy

Taking Ping An Insurance as an example, when it is necessary to terminate the insurance protection, you can learn about the specific matters of applying for the termination of the insurance contract, and you need to go to the business hall for specific handling, and at that time, all insurance protection will also be terminated. To save time, you can prepare the following documents:

Applicants:Policyholders.

Before the end of the policy.

How to apply and documents to prepare

1. Customers should visit the customer service center to handle inquiries from Ping An Life's customer service center and cooperative banks, and make an appointment to visit the counter in person.

Prepare the following documents:

Application for termination of insurance contract;

ID card of the policyholder (when the surrender benefit is 0, a copy of the ID card can be used);

A copy of the passbook of the personal bank settlement account in the name of the policyholder;

Insurance policy (not required in the case of a rider refund or an electronic policy);

2. The customer entrusts the salesman to go to the customer service center to handle the inquiry of Ping An Life's customer service center and cooperative banks.

Prepare the following documents:

Application for termination of insurance contract;

Power of Attorney;

ID card of the policyholder (when the surrender benefit is 0, a copy of the ID card can be used);

Agent's identity document;

A copy of the passbook of the personal bank settlement account in the name of the policyholder;

Insurance policy (not required in the case of a rider refund or an electronic policy);

Note:

When entrusting a salesman, the trustee is limited to the service personnel of any valid insurance policy under the customer's name;

In the case of entrusting another person to handle the application, the trustee can only handle the application to the parents, spouse, children and other immediate family members of the applicant who are eligible.

Online Cancellation of Policy:

If you are a customer, you cannot cancel your life insurance policy online, you can only cancel the rider.

If it is a cancellation of the additional insurance, you can cancel it by entering the One Account, or you can contact the service staff, and the service staff can also cancel.

The service staff can help customers cancel the policy of the hesitation period through the salesman marketing system, and if they want to refund the non-hesitation period policy, they cannot handle it online.

Hello, I am Changsha Ping An salesman. If you are a customer, you can not cancel the life insurance policy online, you can only cancel the add-on, if it is a cancellation of the add-on, you can go to your account to cancel, or you can contact your service staff, and the service staff can also help you cancel. If you are a service person, you can help customers cancel the policy of the hesitation period through the salesman marketing system, and if you want to refund the policy of the non-hesitation period, you cannot handle it online.

Summary. Hello, how to cancel a policy:1

Contact the insurance company to apply for surrender, for example, you can directly call the insurance company's service** to apply for surrender, and you can also consult what specific materials are required for surrender by the way; 2.Bring the surrender materials to the insurance company to go through the surrender procedures, generally need the insurance policy, premium payment certificate, the policyholder's valid identity document, the application for termination of the insurance contract, etc.; 3.The insurance company's staff will assist in the surrender process, usually to collect the policy and transfer the surrender money into the bank account designated by the policyholder within the agreed time.

Hello, how to cancel a policy:1Contact the insurance company to apply for surrender, for example, you can directly call the insurance company's service** to apply for surrender, and you can also consult what specific materials are required for surrender by the way; 2.

Bring the surrender materials to the insurance company to go through the surrender procedures, generally need the insurance policy, premium payment certificate, the policyholder's valid identity document, the application for termination of the insurance contract, etc.; 3.The insurance company's staff will assist in the surrender process, usually to collect the policy and transfer the surrender money into the bank account designated by the policyholder within the agreed time. Generally speaking, if it is an insurance product that is insured on the policy, then it is usually possible to apply for surrender directly.

If you want to refund the insurance you bought in the insurance company, you can bring the relevant information yourself or entrust the salesman to the insurance company to handle itRefund during the cooling-off period: Usually the insurance product will have a 10 to 15-day hesitation period, as long as the policyholder refunds within this period, the insurance company will refund the premiums paid, up to the cost of deduction, if the refund is made after the cooling-off period, only the cash value will be refunded 2

Refund method: to handle the refund need to provide relevant information documents, usually personal identity certificate, valid insurance contract and the last payment voucher, etc., entrust others to handle the refund should also show the policyholder's power of attorney and the principal's ID card, the policyholder can consult the insurance company and then bring the required documents to handle. 3.

Under what circumstances can the insurance be surrendered in full: **The person has the act of signing on behalf of the person; There is money back or gifts in the sales process; exaggerating product benefits and claims during the sales process; ** People have induced or misled sales, etc.

First, the reason for surrender does not conform to the facts, some policyholders are applying for surrender, and the reasons for surrender do not conform to the factual basis at all, such as requesting full surrender of the policy, at this time, the policy is not in the hesitation period, but also caused by the insurance company's violations of laws and regulations, according to the agreement, only the cash value can be returned, and the insurance company will definitely not agree to the surrender application;

Second, the policy is invalid, there are several types of invalidation, automatic invalidation, expiration of the protection invalidation, the termination of the contract by the history of the policy, etc., once the insurance company does not provide protection rights, the policyholder has no right to apply for surrender, even if the application insurance company will not accept it.

Thirdly, if the policy is settled and the contract is not terminated, for example, the critical illness contract can generally be paid multiple times, and the protection may still be valid after one claim, and the policyholder is not entitled to apply for surrender of the policy that has already made a claim.

The basis of the law: the Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations. The parties to the insurance contract are the policyholder and the insurer; The content of the insurance contract is the rights and obligations of the two parties.

Article 11 When concluding an insurance contract, consensus shall be reached through consultation, and the rights and obligations of all parties shall be determined in accordance with the principle of fairness.

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 bought, and there is a data source that is not automatically paid? 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 is: if you feel that you can get the economy back to the original level within two years, you should not apply for a refund and surrender the policy. Instead, you'd better surrender the policy.

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

How to cancel the policy preservation acceptance.

If the policy is preserved, if it wants to be cancelled, it can be proposed by the applicant, and if the respondent provides a guarantee, the preservation of the policy can also be cancelled.

Relevant legal provisions.

Provisions of the Supreme People's Court on Several Issues Concerning the Handling of Property Preservation Cases by the People's Courts

Article 23: In any of the following circumstances after a people's court has adopted property preservation measures, the person applying for preservation shall promptly apply for the preservation to be lifted:

1) Failure to initiate litigation or apply for arbitration in accordance with law within 30 days of employing pre-litigation property preservation measures;

2) The arbitration institution refuses to accept the application for arbitration, permits the withdrawal of the application for arbitration, or handles it as a withdrawal of the application for arbitration;

3) The application or request for arbitration is rejected by the arbitral award;

4) Other people's courts do not accept the lawsuit, approve the withdrawal of the lawsuit, or handle it as withdrawn;

5) The lawsuit or litigation demand is rejected by an effective judgment of another people's court;

6) Other circumstances in which the person applying for preservation shall apply for the lifting of the preservation.

After the people's court receives an application for lifting the preservation, it shall rule to lift the preservation within 5 days; If the situation is urgent, a ruling must be made to lift the preservation within 48 hours.

Where the person applying for preservation fails to promptly apply to the people's court to lift the preservation, it shall compensate the person subject to preservation for the losses suffered by the person subject to preservation as a result of the property preservation.

Where the person subject to preservation applies for the lifting of the preservation, and upon review the people's court finds that it complies with the provisions of law, it shall rule to lift the preservation within the period provided for in paragraph 2 of this article.

According to the provisions of the Civil Procedure Law of our country, if the policy is preserved, if you want to cancel it, you can submit it by the applicant, and if the respondent provides a guarantee, you can also cancel the preservation of the policy.

There are two types of commercial insurance cancellation policies purchased. The first is the cooling-off period within 10 days from the effective date of the policy, which can be canceled, and only 10 yuan of production cost will be deducted. The second is that the surrender of the policy exceeds the cooling-off period and only returns the cash value of the policy, which is a loss.

Provide a surrender application, ID card and bank card when canceling the policy.

If the cancellation of the policy is in the hesitation period can be canceled directly, basically will not lose anything, after the hesitation period of the policy generation and then cancel will lose a part, if you have the ability to pay to maintain the policy, I suggest you still continue to pay, if you have to cancel the first is to pay the bank card does not save money (not enough premium), to the payment period to deduct money can not be deducted will automatically break the insurance, then there will be a overcome manager to call you **, you can say that I have no money to renew the insurance to find a reason. After that, go to your insurer (office) to go through the surrender procedures.

I want to cancel the policy I don't want to buy it.

2. The original ID card of the policyholder, if the surrender amount is 0, it can be a copy of the ID card. 3. A copy of the personal bank settlement account under the name of the policyholder, bank card or passbook is acceptable. 4. The original insurance contract that needs to be surrendered, if it is a surrender additional insurance or the policy is an electronic policy, the original insurance contract is not required.

If you entrust others to handle the surrender of insurance, in addition to the above-mentioned surrender materials, the materials you need are: 1. Power of attorney, which needs to have the signature of the policyholder, and its template can be on the official website of the insurance company**. 2. The original ID card of the client.

When the insurance company surrenders the policy, it will first bring the information to the counter of the insurance company, and then after the insurance company approves it, the surrender money will be credited to the bank account submitted at the time of surrender in about 7 working days.

Dear, good morning, I am very honored to serve you, I am the <> of Wenqutang Finance and Economics

20 years of financial model research and analysis, investment through virtual oak test, financial gold medal answerer, more than 10,000 people serving brother reputation!

The general process of insurance surrender: 1. Submit the surrender application by calling the customer service of the insurance company** or going to the counter of the offline outlet. 2. Explain the reason and time of surrender to the insurance company, and submit the surrender materials according to the requirements of the insurance company.

3. After the insurance company reviews the surrender application, it will issue a surrender approval and withdraw the policy at the same time. 4. The surrenderer shall hold the surrender approval form and the ID card to accompany the insurance bureau to receive the insurance premium that should be refunded through the designated channel. [

Dear, the information required for surrender is: 1. If you handle it in person, you need an application for cancellation of the insurance contract, and you can first check the template for the banquet in advance on the official ** of the insurance company. 2. The original ID card of the policyholder, if the surrender amount is 0, it can be a copy of the ID card.

3. A copy of the personal bank settlement account under the name of the policyholder, bank card or passbook is acceptable. 4. The original insurance contract that needs to be surrendered, if it is a surrender additional insurance or the policy is an electronic policy, the original insurance contract is not required. If you entrust someone else to handle the surrender of the insurance, in addition to the above surrender materials, the materials required are:

1. The power of attorney needs to be signed by the policyholder, and its template can be found on the official website of the insurance company**. 2. The original ID card of the client. When the insurance company surrenders the policy, it will first bring the information to the counter of the insurance company, and then after the insurance company has approved it, the surrender money will be credited to the bank account submitted at the time of surrender in about 7 working days.

How to return the policy: Hello <>

Surrender the policy over the counter of the insurance company Oh Surrender can be surrendered at the counter of the insurance company, contact the insurance salesman to surrender, entrust others to surrender, ** surrender, online surrender, as follows:1Surrender the policy over the counter of the insurance company:

The policyholder can bring his ID card, insurance policy, bank card, and premium payment voucher to the counter of the insurance company's offline service outlets to go through the surrender procedures. The staff of the insurance company will assist in the surrender of the policy, and will generally require the policyholder to fill out the application form for terminating the insurance contract, and take back the policy and other surrender materials, and the surrender money will generally be returned to the bank account designated by the policyholder within 1-10 working days (up to 30 days). 2.

Contact the insurance salesman to surrender the policy: The policyholder can contact the insurance salesman who is exclusive to the policy to collect the policy, a copy of the policyholder's ID card, a copy of the bank card and other surrender materials, and the insurance salesman will handle the surrender procedures on behalf of the policyholder. 3.

Entrusting others to surrender the policy: The policyholder can entrust his immediate family members, such as his parents, spouses, and children to handle the surrender procedures, and generally requires the policyholder to hand over the policy, a copy of his ID card, a copy of the insurance policy, a copy of the bank card, and a copy of the premium payment certificate to the entrusted person. The entrusted person can then bring his ID card and surrender materials to the insurance company to go through the surrender procedures.

4.**Surrender: Some insurance can be surrendered directly, the policyholder can call the customer service of the insurance company ** to handle the surrender, follow the voice prompts, or you can also explain your surrender needs after transferring to labor, and the customer service staff will assist in the surrender.

If it is an insurance product that cannot be surrendered directly through **, the customer service staff will generally explain the specific surrender method. 5.Online Surrender:

If it is an insurance product insured on the **, then it can generally be surrendered directly through the online platform, for example, it can be surrendered through online channels such as the official *** of the insurance company and the official app of the insurance company, and if the insurance is insured through a third-party online platform, the surrender entrance can usually be found on the online platform. Taking Ping An Insurance as an example, you can generally surrender the insurance through the Ping An Gold Butler app, and the specific process is as follows: (1) Enter the "Ping An Gold Butler" app; On your mobile phone, tap to enter the "Ping An Gold Butler" APP.

2) Click "Policy Services"; On the homepage, click on "Policy Services". 3) Click "More"; Click on "More" after "Service". (4) Click "Surrender"; In the "Policy Change Area" section, you can click to enter "Surrender".

5) Select Liangqing surrender business; To surrender the policy during the cooling-off period, you can click "Surrender during the cooling-off period"; After the hesitation period, you can surrender the policy, click "Surrender". (6) Surrender; Select the insurance product that needs to be surrendered, and you can go through the surrender procedures on **.