I bought Ping An s insurance, and now I want to surrender the policy, help me calculate how much mon

If you plan to surrender the policy, you will definitely think first, how much money can be refunded, and can you refund a little more? Let's put a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

The amount that can be refunded by surrender is related to these situations:

(1) Full surrender

Generally, only one of these types can be fully surrendered

1.Surrender during the cooling-off period

There will be a hesitation period after the policy takes effect, and the surrender of the policy during the hesitation period can return all the premiums, and the cost of about 10 yuan will be charged, usually the hesitation period is calculated after the contract receipt is signed, generally 10-15 days, and the provisions will be written into the contract.

2.It is signed

Due to the non-standard operation of some salesmen, the insurance contract was signed on behalf of the agent, and the full amount of the surrender can be refunded at this time.

3.There is evidence

If it can be proved that the person violated the operation or deceived the consumer, you can also apply for a full refund at this time.

(2) Refund of cash value

If the hesitation period is exceeded, only the cash value can be refunded, and only savings life insurance has cash value, such as term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, whole life insurance, endowment insurance, universal insurance and participating insurance, etc.; 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 **, and the calculation can be calculated using the following formula:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it is divided into two parts, one part is that the insurance money that has been fixed will be given to the customer, and the other part of the insurance money will be different due to the operation of the insurance company, which is uncertain and called dividends. The details are sorted out here:

"Demystifying the Mystery of Dividend Insurance".

Obviously, if you do not surrender the policy within the hesitation period, you can only return less money than the premium paid, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

After a cooling-off period of 10 days, only the cash value of the policy will be refunded. The cash value will be clearly stated on the policy. In the case of participating insurance, the unclaimed dividends will be refunded together.

1. You can check it on the insurance policy.

2. Call Ping An Life 95511, report your policy number, and check it for you through the service staff.

It's not specific, how can it be calculated? You can take a look at the cash value of the policy and call Ping An's service**95511 to inquire about it; Or go to the company's counter and ask, if there is a reduced payment function, you don't need to pay again. There is no need to surrender the policy.

Call 95511 and ask him your policy number or your ID number for him.

Ask the ** person, it is estimated that it is the cash value, since you bought it, it is up, and it is not appropriate to surrender the policy.

Ask your insurance broker.

Whoever you ask for to buy it, ask whomever you want.

Summary. Hello dear, Ping An Insurance can refund 80% of the insurance premium. It depends on the type of policy you have, whether your policy type has a payment term, and what your payment term is.

If your policy is for a one-year term, you can get the entire principal back; If your policy is for a three-year term, you can get back the principal amount of the unpaid premiums. If your policy has no payment period, you can get back the principal amount of the unpaid premium, but a surrender charge may be deducted. It is recommended that you consult your local Ping An insurance company for more accurate information.

I bought Ping An's 100,000 yuan dividend insurance six or seven years ago, and I paid more than 30,000 yuan a year and paid it together for three years.

If I surrender the policy now, how much principal will I get back?

There are also dividends received halfway.

Hello dear, Ping An Insurance can refund 80% of the insurance premium. It depends on the type of policy you have, whether your policy type has a hail fee payment period, and what your payment period is. If your policy is for a one-year term, you can get the entire principal back; If your insurance policy is for a three-year term, you can get back the principal amount of the unpaid premium; If your policy has no payment period, you can get back the principal amount of the unpaid premium, but a certain surrender charge may be deducted.

It is recommended that you consult your local Ping An insurance company for more accurate information.

Relevant information: 1. If the policy is surrendered during the hesitation period, Ping An Insurance Company will deduct the contract fee of 10 yuan and then refund all the premiums. 2. If the policy is surrendered after the cooling-off period, it is generally the cash value of the surrendered policy.

But for consumer products, there may not be a cash value, so the surrender after the hesitation period is basically not refundable, but for savings products, the cash value of the policy will increase with the growth of time, and our surrender mainly depends on the time of insurance, so you can take a look at the cash value table in your contract. The exact amount depends on the insurance product you have purchased and the duration of the insurance, and you may receive a partial refund in accordance with the terms of the insurance contract when you surrender the policy. In general, you can get 80% of the premium, or more, but up to 90%.

So the participating insurance I bought is a savings type, right?

Yes, the participating insurance belongs to the storage liquid storage and burial type insurance, it is a long-term protection type of insurance, it can provide continuous protection, and at the end of the period, you can get an additional dividend.

Well, how long does it take for the expiration period?

The expiration time of the general dividend insurance is one year, and some insurance companies provide half-year return to the tomb or three-year dividend insurance, and the expiration time can be different according to the different insurance companies.

Summary. Dear, hello, I am happy to answer <> for you, how much money can be refunded by Ping An Insurance surrender is as follows:1If the policyholder surrenders the policy during the hesitation period, the premium paid by the policyholder will be refunded in full, and only a little cost will be deducted

If the policyholder surrenders the policy after the cooling-off period, only the cash value will be refunded. The cash value of the policy is different at different times. Generally, the later it gets, the higher the cash value.

How much can be refunded by surrendering Ping An Insurance.

Dear, hello, I am happy to answer <> for you, how much money can be refunded by Ping An Insurance surrender is as follows:1If the policyholder surrenders the policy during the hesitation period, the premium paid by the policyholder will be refunded in full, and only a little cost will be deducted

If the policyholder surrenders the policy after the cooling-off period, only the cash value will be refunded. The cash value of the policy is different at different times. Generally, the later it gets, the higher the cash value.

Hello, I want to ask Ping An Insurance I have paid Xinsheng 12 for 8 years, and now I don't want to pay it, how much can I refund?

Dear, how much do you pay in a year?

A year is more than 2,900, less than 3,000

Ping An Xinsheng Insurance Surrender: You can bring SFZ, insurance contract and silver card account to the offline customer service center of the insurance company for processing, fill in the contact contract application form at the counter, write the reason for surrender, and submit the information to the insurance company, after the insurance company has approved, the surrender amount can be transferred to the bank account provided by the policyholder within 3-5 working days.

Dear, I have paid Xinsheng 12 for 8 years, and now I don't want to pay, I can refund 14,400 yuan. at 60% of the premium paid.

Summary. Surrender can generally be handled in the following ways:1

Apply to the insurance company for a surrender, for example, you can call the insurance company's customer service** to apply for a surrender. Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc.

Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the policyholder within the agreed time.

How much can be refunded by surrendering Ping An Insurance.

Dear, hello, if you surrender the policy, you can refund 30% of the premium 60% because the surrender can only be refunded the cash value of the insurance, and the specific refund amount can be opened in the cash value table of the policy to see what the corresponding cash value is in the corresponding year.

Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc. Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.

Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the policyholder within the agreed time. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.

How to calculate the specific money for insurance surrender, you need to consult the insurance staff, they have a calculation formula, and different types of insurance should be different, so it depends on what kind of insurance you buy. If you really want to return, you can ask the salesman of Ping An Insurance. Moreover, according to the provisions of the Insurance Law, the cash value of the policy will be refunded after 2 years of payment; For less than 2 years, the handling fee will be deducted and the premium will be refunded.

In either case, you will lose more than 50% of the premiums you paid, usually 50%-70%, or even as high as 90%, and it is impossible to return the principal.

The surrender amount of a normal surrender policy is calculated as the insured amount paid by the policyholder - the management fee of the insurance company - other costs - the premium for the insured time + the interest generated by the remaining premium = the surrender amount.

Extended information: 1. Preparation materials for insurance surrender:

1. Application for surrender (if the insured requests to surrender the insurance, the applicant shall provide the surrender application with the written consent of the policyholder).

2. The original insurance contract and the last payment certificate;

3. The original identity certificate of the policyholder;

4. If the applicant entrusts another person to handle it, the power of attorney of the policyholder and the original identity certificate of the principal shall be provided. Surrender Process The applicant who applies for the surrender of commercial insurance is the policyholder. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money.

2. The specific surrender process is as follows:

1. The surrenderer must first call the customer service of the commercial insurance insured by the policyholder** or go to the customer service center of the local insurance company to apply for surrender, because not all cases can go through the surrender procedures, such as the policy that has received the insurance money, it is not possible to apply for surrender.

2. The staff of the insurance company will inform the surrenderer of what materials need to be prepared when applying for surrender, generally including the original ID card of the policyholder, bank account, insurance policy, etc. Of course, the policyholder can also log in to the official website of the insurance company to check what materials to prepare for surrender.

3.Before surrendering, the policyholder should fill in the application for terminating the contract, submit the insurance contract and the legal identity certificate of the policyholder, and at the same time the insurance company will withdraw the surrendered policy, and then the refund will be sent to the policyholder's bank card account according to the agreed time.

1. If the policyholder deliberately conceals the facts, fails to perform the obligation of truthful notification, or fails to perform the obligation of truthful disclosure due to negligence, which is sufficient to affect the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the insurance contract.

2. If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, and shall not refund the insurance premium.

3. If the insured fails to perform the obligation of truthful notification due to negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, but may refund the insurance premium.

After the contract is concluded, the applicant can request to terminate the contract, the surrender is the cancellation of the insurance policy, and after the insurance contract is signed, the two parties can terminate the contract by agreement or in accordance with the provisions of national law.

The following documents need to be prepared for surrender of life insurance:

1. If the policyholder applies for surrender and the insured requests to surrender the insurance, a written surrender application agreed by the policyholder shall be provided.

2. Valid insurance contract and final proof of payment.

3. Applicant's identity certificate.

4. If entrusted, the applicant's power of attorney and the client's ID card shall be provided.

There are two types of surrender:

1. Surrender during the hesitation period

Cooling-off period refers to surrendering within the cooling-off period agreed in the contract, and the general insurance company stipulates that 10 days after the policyholder receives the policy is the cooling-off period, and usually, the insurance company will deduct the production cost and refund all premiums.

2. Normal surrender:

A surrender beyond the cooling-off period is considered a normal surrender, and the policy under which the insurance money is normally received cannot be withdrawn.

Normal surrender generally requires that after one year, the policyholder can apply for termination of the policy, and the life insurance company shall return the cash value of the policy within 30 days from the date of receipt of the application, which refers to the amount that can be returned when the life insurance contract is terminated or dissolved.