Can I still surrender the insurance after two years of suspension?

The policy can be surrendered in full, subject to the following:

1. Normal: Within 10 days of getting the policy, surrender the policy in full unconditionally!

2. Remember to record when buying an insurance policy, the general salesman will be misleading, and then it will be said that he has been misled, and there is evidence, he will definitely be able to refund the full amount, but the salesman is finished, the light fine, and the serious may not be able to do this industry for a lifetime!

3. Under special circumstances, if you have a medical history when you buy insurance, you don't meet the insurance requirements, but you don't know to tell you, and the salesman doesn't ask, and the insurance company will take the initiative to surrender the insurance within two years!

To put it bluntly, you only have 10 days to surrender the policy within the hesitation period, and it is relatively fast! In other cases, if you want to surrender the policy in full, you need to have a strong scheming to do it, so you must read the contract after buying the insurance and get the contract, and return it within 10 days if you find that it does not meet your requirements, and don't regret it later.

Of course, in addition to the above methods, you can also ask a professional policy surrender agency to help us surrender the policy, but because there are many companies, therefore, we should make a reasonable comparison when choosing to avoid damage to the interests.

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There are two options for the suspension of insurance for two years: (1) Reinstatement: Insurance reinstatement means that within the two-year period of suspension of the insurance contract, the policyholder and the insurance company negotiate and reach an agreement on the resumption of the insurance contract, so that the policy will continue to take effect.

2) Surrender: You can still surrender the policy after two years of suspension, but the cash value of the return is not much, if you want to return, take a look at the following strategies:

Some friends don't pay attention to buying insurance, and always buy it casually, but then they want to surrender the insurance for various reasons. Therefore, the surrender of the policy is very sloppy, the key knowledge points of the surrender are not to know when the surrender of the policy, see this article for detailsHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Normally, you will not get back the full amount of the premium paid if you surrender the policy, except in these two cases

1.Cooling-off period surrender:Generally speaking, there will be a hesitation period after buying insurance, and the time is about 10-15 days, and there is basically no loss when the policy is surrendered during this period;

2.Sales misleading:If the salesman is misleading about the signing of the contract when you first start buying insurance, and the signature in the insurance contract that makes the contract effective is not signed by you, you may have the opportunity to apply for a full refund of the premium.

In addition to these two cases, there will be a certain degree of loss, and at this time reducing the loss is the only thing we can do, such as choosing to reduce the amount to pay off:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

In fact, this is more cost-effective than surrender insurance, but this method is not available for every insurance, and it can only be implemented after confirmation by the insurance company.

In addition,These situations should not be taken lightly when surrendering:

It is best to choose the time to surrender the insurance after the waiting period of the new insurance has passed, so as not to interrupt the coverage due to the surrender and renewal.

2.Health Status:If there are more physical diseases, it is also difficult to pass the health notice of the new insurance, and in this case, it is not wise to choose to surrender the policy.

3.Payment card balance:If you make up your mind to surrender the policy, you can first clear the balance of the card that was previously bound to pay the insurance premium, so as not to be deducted again when the payment period is reached.

The precautions for surrender are more than this, it is not convenient to talk about it here, if you want to know, you can learn more about it in this articleWhat are the details to pay attention to when surrendering an insurance policy? Hope!

A grace period of 60 days, and then it was suspended.

The insurance company has the right to terminate the contract and refund the cash value of the policy after 2 years.

But it's very few, that is, more than 30%, in fact, it depends on what kind of insurance.

You surrender now about the same as you would in the future.

There will be losses.

Yes, but only up to about 20%.

Within 2 years of suspension, the premium can also be renewed to keep the contract valid.

The insurance can be refunded after two years of suspension, but the refund is insufficient.

Summary. The policy can be surrendered, and Ping An Fu can still be surrendered after 2 years. After 2 years of withdrawal, the surrender is based on the cash value, which needs to be combined with how long the insurance has been insured, how much insurance has been bought, and how long it has been paid.

If the policy has not been paid for 2 years, it means that the policy is invalid, and the insurance company is not responsible, but you can choose to surrender the policy directly. Because there is a grace period for critical illness insurance paid in installments, once the premium is not paid after the 60-day grace period, the policy will enter a state of invalidation, and the insurance company will not be liable for the insurance accident that occurs during the lapse period. It is only during the grace period that the insurance company will be liable for the insured event.

During this period, the policyholder can choose to surrender the policy at any time, and the surrender is calculated based on the cash value of the policy at the time, or if it is still within 2 years, the policy can also be reinstated, and the waiting period needs to be recalculated. However, if there is no reinstatement for more than 2 years, Ping An Fu's policy is permanently invalid and the validity of the policy cannot be restored, and the insurance company can only surrender the policy according to the policy, and the cash value of the surrender insurance will be given to the policyholder.

Can Ping An Insurance be surrendered after two years of suspension?

Ping An Insurance can be surrendered after two years of suspension: Ping An Fu premium has been suspended for two years, and if you continue to pay during the two-year suspension period, then the policy can be reinstated. If the policy has been suspended for two years, the policy can no longer be reinstated, but it can still be surrendered at this time.

The policyholder can bring the original policy, the original SFZ, and YHK in his or her name to surrender the policy.

The policy can be surrendered, and Ping An Fu can still be surrendered after 2 years. After 2 years of withdrawal, the surrender is based on the cash value, which needs to be combined with how long the insurance has been insured, how much insurance has been bought, and how long it has been paid. If the policy has not been paid for 2 years, it means that the policy is invalid, and the insurance company is not responsible, but you can choose to surrender the policy directly.

Because there is a grace period for critical illness insurance paid in installments, once the premium is not paid after the 60-day grace period, the policy will enter a state of invalidation, and the insurance company will not be liable for the insurance accident that occurs during the lapse period. It is only during the grace period that the insurance company will be liable for the insured event. During this period, the policyholder can choose to surrender the policy at any time, and the surrender is calculated based on the cash value of the policy at the time, or if it is still within 2 years, the policy can also be reinstated, and the waiting period needs to be recalculated.

However, if there is no reinstatement for more than 2 years, Ping An Fu's policy is permanently invalid and the validity of the policy cannot be restored, and the insurance company can only surrender the policy according to the policy, and the cash value of the surrender insurance will be given to the policyholder.

If you don't want to renew the insurance after two years of purchase, of course, it is a matter of being able to surrender the policy, and the insurance company will not refund us the full amount of the premium we paid。After we have purchased the insurance, the insurance company needs to pay a part of the commission to the marketer, and the service has been provided to the policyholder in the two years after the purchase of the insurance, which is all billed.

The insurance we buy pays the normal annual premium, and this premium cannot be fully refunded to us, and the remaining money will be returned to us after deducting these expenses, and this remaining money is called the cash value of the policy. The insurance has been purchased for two years, and the hesitation period for full surrender has already passed, and you can only accept this reality if there are no problems with the policy. Depending on the insurance, the cash value of the policy also varies from person to person and is not a fixed amount.

We need to calculate the amount of premiums we pay, when we pay them, and the type of policy we have purchased, which is a formula in the insurance contract. If you don't have any meaning about this matter, you only need to bring the relevant valid documents and certificates and go directly to the nearest business office to handle the surrender business. Some people think that not renewing the policy is equivalent to automatically surrendering the policy, but this is not the case.

For a period of time after we do not pay the premium, the insurance is suspended, and it can still be reopened at this time, and after a long time, the insurance can only be surrendered by default.

However, you must go to the business hall to handle the business, otherwise even the cash value of the policy will not be refunded, and the loss will be even greater. And some people have opened the withholding function by default, although you did not go to the business hall to pay, but it was automatically deducted from your bank card, which is equivalent to paying an extra year of premium, and the money will not be refunded. So since you have decided not to want this insurance, you should go to the business in time instead of dragging it over there.

Of course. You can take out the contract, and the cash value column is the amount you want to refund.

Yes, you can apply to the insurance company at this time, and you can also communicate with the relevant person in charge of the insurance company, but you need to deduct the corresponding fees.

Generally speaking, most insurance companies can refund premiums, but some small companies will refuse to refund premiums.

The insurance cannot be renewed after more than two years. It needs to be re-insured, and the purchase can only be successful after being underwritten by the insurance company.

Insurance renewal generally stipulates that the application is submitted before the expiration of the insurance contract, and the insurance premium is paid again, thereby increasing the validity period of the insurance contract. In the event of a failure in the turnover of assets, the insurance company will give a grace period of 60 days to the policyholder who fails to pay the renewal premium on time. During the grace period, even if the renewal premium is not paid, the insurance contract remains valid, and if an insured event occurs during this period, the insurance company will still be liable for the insurance, but the outstanding premium will be deducted from the benefit amount.

However, if Sun Xiguo has not paid the renewal premium in full after the 60-day grace period, the insurance contract will be terminated. After the insurance is suspended, it will only be reinstated if the reinstatement is filed.

Summary. Hello, yes, but when you terminate your coverage, all the coverage you have purchased will also be terminated. The money I paid for a year was also in vain.

Can I surrender Ping An Insurance after one year of suspension?

Hello, yes, but when you terminate your coverage, all the coverage you have purchased will also be terminated. The money I paid for a year was also in vain.

Is it refundable in full? Not the full amount, refundable only based on the cash value of your insurance.

Full is only full during the cooling-off period.

I bought more than 5390 Ping An Fu.

There are also two for one accident insurance and dividends.

By what percent?

Three insurance policies cost more than 10,000 yuan, how much can be refunded?

From 70-90%, it depends on the insurance company's regulations on surrender. You have to contact the insurance company.

Full refunds are not possible, and the loss is significant. According to the provisions of the Insurance Law of the People's Republic of China, if the policyholder terminates the contract and has paid the insurance premium for more than 2 years, the insurer shall refund the cash value of the insurance policy within 30 days from the date of notice of termination; If the insurance premium is not paid in full for 2 years, the insurer shall refund the insurance premium after deducting the renewal fee of the hand dust travel in accordance with the contract.

In practice, when the policyholder surrenders the policy, the insurance company refunds a sum of cash according to the cash value table. However, in the first two years of purchasing an insurance policy, the insurance company underwrites, makes the policy, settles the handling fee of the person, the salary of the employee and other insurance expenses are large, and the insurance premium refunded by the insurance company after deducting the handling fee is very small. Please consult the insurance company for the specific amount of refund.

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

The policy can be surrendered after two years of purchase. The policy can be surrendered after two years of payment. The insurance can be surrendered at any time, but it is uncertain how much the insurance company can refund after surrender.

Generally speaking, if the policy is surrendered during the cooling-off period (10 or 15 days after the policyholder receives the insurance contract), the premium paid can be refunded, but some insurance products also need to deduct the production cost; If the policy is surrendered after the cooling-off period, then the cash value of the policy can only be refunded, and the policyholder may need to bear a certain financial loss. However, if it is an insurance with a high cash value, such as universal insurance, and the cash value is greater than or equal to the premiums paid at the time of surrender, the policyholder may not be liable for financial losses. However, it also takes time for the cash value to grow, and if it has only been paid for two years, the cash value is usually not that high.

Test your anti-risk index, experts will interpret it for you for free!

Hello, after paying social security for two years, if you don't want to continue, you can get a refund, as long as you meet the conditions, you can refund the money in your personal account. One of the following conditions must be met.

1. Participate in basic endowment insurance.

of persons have reached the statutory retirement age.

After that, if the cumulative payment is less than 15 years, you can apply for the termination of the basic pension insurance relationship of employees, and the personal account storage amount of the pension insurance will be paid to you in a lump sum.

2. If you lose the nationality of the People's Republic of China, if you go abroad to settle down, the transfer chain will source the nationality. You can apply for the termination of the basic pension insurance relationship and basic medical insurance when you leave the border of China or after leaving the country.

Relationship. The amount saved in the personal account of pension insurance and medical insurance is paid to the person in a lump sum.

3. If an individual who participates in the basic endowment insurance dies, if the insured dies during the insurance period, the balance in the endowment insurance and medical insurance personal account can be inherited in accordance with the law. A lump sum payment will be made to the beneficiary or legal heir designated by the deceased during his or her lifetime.

If you meet the above conditions, you can go to the social security agency to which your household registration belongs and submit written materials for processing. The specific handling materials vary slightly from city to city, and the details can be consulted with the relevant local social security institutions.

If you have participated in social security and established a personal account before joining the army, you can apply to the relevant departments for a one-time refund of the personal contribution part if you take the form of retirement and support when you are discharged from the army.

Extended information: For endowment insurance, the consequences of intermediate interruption are not serious, because in the end, it is tired of holding the number of years. However, if the contribution period is less than 15 years, the pension will not be received.

Finish. Once the medical insurance is broken, you will not be able to enjoy the benefits of medical insurance, and there will be a 3-month waiting period for medical treatment if you pay it again.

Legal basis: Social Insurance Law.

Article 14 Personal accounts may not be withdrawn in advance, and the interest rate on bookkeeping must not be lower than the interest rate on bank fixed deposits.

Exemption from interest tax. In the event of the death of an individual, the balance of the personal account may be inherited.

There are only the following types of pension insurance that are currently allowed to be surrendered:

1. Settle abroad.

2. Death. 3. Repeatedly participate in insurance at the same time.

4. When you reach the statutory retirement age and have paid contributions for less than 15 years, you request not to be transferred to rural insurance or urban insurance, and have a written application. OK.