The financial insurance is 12,000 a year, and it has been paid for 2 years, and if you want to surre

If you want to surrender the insurance, you will definitely think first, how much money can be refunded, and is there a way to refund 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

There are generally three situations in which a policy can be surrendered in full:

1.Surrender during the cooling-off period

Generally, there is a hesitation period when buying insurance, if it is surrendered during the hesitation period, you can refund all the premiums, and the cost of production will be deducted, generally 10 yuan, and the hesitation period usually begins to be calculated after the contract receipt is signed, usually ten days, and the contract will be written clearly.

2.It is signed

Due to the non-standard operation of some salesmen, the insurance contract is signed, and you can apply for a full refund 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 the cash value is savings life insurance, such as long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, universal insurance and participating insurance; There is no cash value, such as one-year medical insurance and accident insurance.

If you want to know how much cash value the policy has, you can call ** to the insurance company's customer service or read the contract, and you can also calculate it like this:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. The dividend will be 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 to the customer will be different due to the operation of the insurance company. The detailed explanation is here:

"Demystifying the Mystery of Dividend Insurance".

It can be found that if you surrender the policy beyond the hesitation period, you can only return less than the money paid for the premium, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

Different insurance companies have different business regulations, and you can contact the corresponding insurance company for consultation on relevant insurance issues. If you need to consult Ping An Insurance, you can call Ping An Life 95511-1, Ping An Auto Insurance, Property Insurance, Accident Insurance 95511-5, and Ping An Pension Group Insurance 95511-6.

Surrender is the cash value of the surrender policy, you can look at the cash value table of the policy, the corresponding cash value in the second year is the money you surrendered, if there is a dividend, plus the dividend.

Surrender outside the grace period, in principle, is the cash value of the exit insurance (the specific amount should be stated on a page of the contract), and some handling fees must be deducted. In general, you have to lose 50%-60%, and some losses will be more. The nature of financial insurance is usually not obvious.

If you are sure to surrender the policy, it is best to research the reason for the surrender and whether there is a corresponding solution.

Look at the contract, the contract is clearly written, and if it doesn't work, ask customer service.

With the gradual change of people's cognitive concepts, now everyone attaches great importance to insurance, and will no longer think that it is a means of cheating money, in fact, insurance is equivalent to providing protection for everyone's future life. However, buying insurance will also encounter various problems, such as how to choose the type of insurance, and what to do if you want to surrender the policy. For example, if you buy insurance, and you have paid for two consecutive years, 10,000 yuan a year, how much money can you refund if you want to surrender the insurance, the following is the origin for you to analyze.

When you return the cash value to buy insurance, the staff may be very positive, but if you want to surrender the policy, it may not be so smooth. The procedure is more cumbersome, and the surrender is not fully refundable, and needs to be determined according to the contract. It is not that if you pay a total of 20,000 yuan, you can return 20,000 yuan to yourself, you need to see how much the cash value of this insurance is now, how much 20,000 yuan can still be worth now, and then refund the corresponding amount.

Once you buy insurance, it is not recommended that you surrender the insurance easily, which is a big loss for your own economy. Generally speaking, the validity period of the insurance is within 20 to 30 years, and you must continue to pay for each year, as long as it is terminated, there is no point in buying this insurance, and it will depreciate your money. So once you decide to buy insurance, you have to stick to it, and the money will come out, and there will be no appreciation in your own hands**.

Of course, some families may have encountered major changes, or they really cannot afford to continue to pay the high annual insurance premiums, so they have to choose to surrender the policy. At this time, you can go to the Internet in advance to learn about some relevant information about surrender, and consult the staff about what procedures are required for surrender. And don't be angry that you can't get all the money back to you, these are very normal and should be understood clearly when you buy insurance.

If you surrender the policy, you may get four or five thousand yuan, because the insurance is generally not allowed to be refunded, and if you return, you will also deduct some handling fees, and some breach of contract fees will deduct various expenses.

If you want to surrender the insurance, you may only be able to refund 10,000 yuan, because you can only refund the insurance of the current year, and there is definitely no way to refund the insurance of the previous year.

It is estimated that more than 30,000 points will be refunded, and it is estimated that it is impossible to refund the full amount, and a part of the handling fee will be withheld.

It depends on the relevant provisions of the contract you signed on the surrender of the policy, and the surrender premium will be obtained in accordance with the contract.

Summary. Hello, the cash value table of different insurances is different, you pay the insurance for one year, the premium of 6000 yuan, the surrender is according to the cash value table of the first year to give you the return of the premium, can only give you about 30% back, that is, you can only return 1800 yuan, which is very not cost-effective.

After paying the insurance for a year, how much can the surrender of 6000 be returned.

Hello, the cash value table of different insurances is different, you pay the insurance for one year, the premium of 6000 yuan, the surrender is according to the cash value table of the first year to give you the return of the premium, can only give you about 30% back, that is, you can only return 1800 yuan, which is very not cost-effective.

The first step is to open a paper or electronic policy and turn to the page of the cash value table, usually the last page or the middle of the policy. The second step is to do a simple review.

Some insurance companies have listed the cash value table according to the individual payment situation, such as the surrender payment of 1215 in the first year, the surrender payment of 3620 in the second year, etc., which have been listed one by one until the expiration of the policy, and do not need to be calculated. In another case, the sum insured needs to be converted, and there is only the cash value corresponding to the sum insured of 10,000 in **, such as the sum insured of 10,000 for critical illness insurance, and the surrender fee for the first year is 50 yuan; The surrender benefit for the second year is 320 yuan; The surrender of 850 yuan in the third year, etc., in this case, it can be converted in combination with the amount of personal insurance, and the amount of 200,000 insurance bought by the individual can be 20 50 = 1000 yuan in the first year.

Summary. If the cash value corresponding to the 10,000 sum insured is 50 yuan, and the insured amount is 300,000 yuan when the policy is surrendered in the second year, then the cash value that can be refunded is 30 * 50 = 1,500 yuan.

Generally, there will be a cash value table in the policy, and the surrender can be multiplied according to the sum insured in the current year, and the surrender of 10,000 yuan after 2 years of insurance is an economic loss, and the policy cannot be surrendered in full.

The amount of cash value varies from policy to policy and depends on the policy.

How much can I get back if I pay 10,000 yuan a year for two years.

Hello dear, you can refund 30% of the premium 60%.

The exact amount of money you can get back depends on the cash value table of your policy.

If the cash value corresponding to the 10,000 sum insured is 50 yuan, and the insured amount is 300,000 yuan when the policy is surrendered in the second year, then the cash value that can be refunded is 30 * 50 = 1,500 yuan. Generally, there will be a cash value table in the policy, and the surrender can be multiplied according to the sum insured in the current year, and the surrender of 10,000 yuan after 2 years of insurance is an economic loss, and the policy cannot be surrendered in full. The amount of cash value varies from policy to policy and depends on the policy.

Summary. The cash value of critical illness is relatively low, and the cash value will not exceed 20% for two years of payment. That's less than 4000. You will also lose the coverage of critical illness insurance.

I've been buying insurance for two years, and I've paid 10,000 yuan a year for two years, how much can I get back if I want to surrender the insurance?

Hello, policy surrender is the cash value of the surrender policy. The cash value of different insurance products is different. So it depends on what insurance products you are buying, which insurance company is you?

Whole life insurance has the highest cash value. The cash value can be 80% for two years. Pay 20,000 yuan to get 16,000 yuan back.

The cash value of critical illness is relatively low, and the cash value will not exceed 20% for two years of payment. That's less than 4000. You will also lose the coverage of critical illness insurance.

The specific amount of refund depends on which insurance company and what insurance product is purchased.

Summary. Hello, you can refund the money if you don't pay it out, and you can only refund the cash value.

Will I return the money if I pay 20,000 + yuan per year for insurance and financial management for five years?

Hello, you can refund the money if you don't pay it out, and you can only refund the cash value.

This insurance can protect the principal after three years, that is to say, as long as the policy is surrendered after three years, the principal can be guaranteed, but if it is not paid for two years, there will be losses.

In the sixth year, you can withdraw all the principal and part of the interest, but the insurance is terminated. The insurance is reliable, but this is a participating insurance, the use value is not high, and the buried and mature interest will not be much higher than the time deposit, after the expiration or withdraw money from the bank, if there is a claim in the middle, you need to bring the liquid to find the insurance company. And this kind of insurance is generally only compensated for death or disability, the amount of claims is not high, in general, the use value of the bank's policy is not high, and you can't withdraw money in the first few stupid years, and you can take it after two or three years, if you take it out in advance, it is likely to be a loss, only after the expiration of the dividend and interest, after taking out the insurance is also terminated, if the insurance expires and then the income will be very high, I hope I can help you.

Summary. About 36,000 yuan. If something goes wrong with the economy in the short term, you can mortgage them with cash value.

Interest rate is 6% per annum. The interest they give you is more than that. Deduct 2 points from the loss.

If there is a problem for a long time. Then surrender the policy. I hope mine is helpful to you, if you are satisfied with me, please give a thumbs up thank you!

Finally, I wish you good health and all the best!

Chinese life wealth management insurance for three years, pay 20,000 yuan per year, has been paid for 2 years, how much can be refunded now?

Anyway, the initial sailor fee is about 13% of the premium you pay for the entire policy. 13% 30% 5%=. plus interest. About 90% of the state! About 36,000 yuan!

About 36,000 yuan. If Sun does not have financial problems in the short term, he can use the cash value to mortgage them in Chadong. Interest rate is 6% per annum.

The interest they give you is more than that. Deduct 2 points from the loss. If there is a problem for a long time.

Then surrender the insurance and the mountain. I hope mine is helpful to you, if you are satisfied with me, please give a thumbs up thank you! Finally, I wish you good health and all the best!

After one year of purchasing wealth management insurance, the cash value of the policy can generally be refunded, but if it is a participating insurance, the cash value of the policy plus the unreceived dividends can generally be refunded; In the case of universal insurance, it is generally the cash value of the refundable policy and the universal account value.

Therefore, different financial insurance, and even different payment terms and payment amounts of the same financial insurance, will lead to different cash values, so how much can be refunded after one year of purchasing financial insurance, you should look at the specific insurance products.

Here are a few examples:

1.Lexin Annual (Dividend): A 0-year-old boy pays 20 years of insurance to 105 years old, with a premium of 10,000 yuan in the first year, and surrenders the policy after one year, with a cash value of 3,270 yuan. Because dividends are uncertain, dividends are not considered here;

2.Wealth Appreciation Whole Life Insurance (Universal) A money: If a 0-year-old boy pays 10 random fiber insurance policies for life, pays 10,000 premiums in the first year, and returns the cash value of 4820 and the account value of 5078 after one year;

3.Hongkang Golden Jade Incremental Whole Life Insurance: If an 18-year-old boy pays for 20 years of whole life insurance, the first year's premium is £5,000, and the lack of orange cash value of the policy is. Imitation.