I just bought Ping An universal insurance 6000 yuan and want to surrender the policy, how much can I

If you want to surrender the policy, the first thing that comes to mind must be, how can you get as much money back as possible? Let's put a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much money can be refunded from the policy is divided into these three 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

Usually there is a hesitation period after the purchase of insurance, and the surrender of the insurance during the hesitation period can be refunded in full premium, and only a little bit of the cost of production will be deducted, and the hesitation period will be calculated after the receipt of the contract is generally signed, generally speaking, it is 10-15 days, and the contract will be written.

2.It is signed

Due to the non-standard operation of some salesmen, the signature of the insurance contract is signed on behalf of the agent, in which case a full refund can be applied.

3.There is evidence

If the person violates the rules or deceives the consumer, if there is evidence, you can also apply for a full surrender.

(2) Refund of cash value

If the hesitation period has been exceeded, then only the cash value can be refunded, and the cash value of life insurance in the nature of savings is available, such as savings critical illness insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, long-term consumption critical illness 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 agreed to give the fixed insurance money to the customer, and the other part of the insurance money to the customer is related to the operation of the insurance company, this part is the dividend, there is no fixed value. Specific popular science is presented:

"Demystifying the Mystery of Dividend Insurance".

It can be seen that if the surrender time exceeds the hesitation period, the money that can be returned will not be more than or equal to the premium, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

3000 is slightly less. There is a 50% deduction of the initial fee for the first year.

If the **person does not clearly explain to you the deduction of the initial fee during the sales process (material truthful notification), and clarify your protection and explain your protection interests, you can report to the local insurance authority, and it is possible to refund your fees in full.

PS: There is no problem with any insurance product, mainly depending on whether it meets your current protection needs, you must be cautious in surrendering the policy, but let you be decisive and decide for yourself.

Newly bought insurance has a 10-day hesitation period, if it does not exceed 10 days, hurry up to refund, go to the company to do it, and refund within 10 days up to 10 yuan deduction of the production cost. If you return it after 10 days, it is not possible to get it for dozens of dollars, and it is possible to have only half of 6000 left.

When did you buy the amount of insurance, otherwise there is no way to calculate it.

Summary. Kiss <>

Ping An Universal Insurance has been paid for 10 years, and only the cash value will be refunded after surrender.

For the surrender amount, you can take out the cash value table at the back of the policy and check the cash value of the surrender in the 10th year, which is basically the amount that can be refunded.

Surrendering the policy in the middle of the policy is relatively loss, and the loss is relatively large, so it should be carefully considered.

If you are sure to surrender the policy, you can bring your original ID card, bank card and insurance policy to the business hall of the insurance company.

Ping An universal insurance 6000 paid for ten years, how much money can be paid for surrender.

Kiss <>

Ping An Universal Insurance has been paid for 10 years, and only the cash value will be refunded after surrender. For the surrender amount, you can take out the cash value table at the back of the policy and check the cash value of the surrender in the 10th year, which is basically the amount that can be refunded. Surrendering the policy in the middle of the policy is relatively loss, and the loss is relatively large, so it should be carefully considered.

If you are sure to surrender the policy, you can bring your original ID card, bank card and insurance policy to the business hall of the insurance company.

If it's convenient, you can take a picture of your policy cash value statement and send it to me, and I'll show you how much money you can get back.

Not contractually.

There is a cash value table at the back of the policy. If you only have a contract and don't have a policy, you can send me the e-policy by looking at the e-policy.

If it's convenient, you can take a picture of your policy cash value statement and send it to me, and I'll show you how much money you can get back.

If you surrender the policy now, you can probably get back about 23,600 yuan. Ping An Universal Insurance deducts 50% of the initial expenses in the first year, 25% in the second year, 15% in the third year, 10% in the fourth year, 10% in the fifth year, and 5% in the sixth year and beyond. Assuming that the cost of protection is equal to the value-added part, then you should now have 23,400 in your account.

Coupled with the continuous payment reward of 100 yuan per year from the third year onwards, if you surrender the policy now, you can probably get back 23,600, depending on your insurance amount.

Extended Information: What are the types of Ping An Life Insurance?

1. Ping An Life participating insurance.

Participating insurance refers to the type of insurance that can share the operating results of the insurance company. With a Ping An participating insurance policy, you can share in the dividend distribution of Ping An Group. A variety of products of Ping An Participating Insurance are also comprehensive insurance, and you can get insurance benefits regardless of survival or death.

2. Ping An Life Universal Insurance.

Universal insurance refers to a type of life insurance that includes insurance protection functions and has a certain asset value in at least one investment account. Ping An Universal Insurance can not only protect the life of the policyholder, but also allow the policyholder to directly participate in investment activities. Ping An Universal Insurance offers you the possibility to solve your protection problems with just one life insurance policy for your lifetime.

3. Ping An Life's investment-linked insurance.

Investment-linked insurance is a life insurance product that integrates protection and investment. Ping An ILAS not only provides protection against accidental death and critical illness of the insured, but also uses its premiums to invest and obtain income. As a popular type of life insurance, Ping An ILAS is suitable for people who have long-term investment and financial management needs and need life insurance protection.

4. Ping An Life Children's Insurance.

Children's insurance is insurance for minors as the insured. Ping An Children's Insurance is one of the types of Ping An Life Insurance, which is divided into children's health insurance, education insurance, etc., to provide sufficient insurance protection for your children and help them achieve a better future.

5. Ping An Life Endowment Insurance.

Endowment insurance is a retirement endowment insurance product that provides pension to ensure the needs of the elderly. Ping An Pension Insurance tailors the most suitable pension insurance plan to provide the most solid financial protection for your happy life in your later years.

I bought Ping An insurance for 5 years and paid 6,000 yuan a year, how much can I get back when I surrender the policy?

Hello dear, pay 6,000 a year, pay 5 years of surrender, and the money that can be returned is 15,000 yuan. The specific insurance contract signed by the policyholder and the insurance company shall prevail. At this time, the surrender period must have passed, and according to the relevant regulations, the refundable cost after the cooling-off period is the cash value of the policy.

Summary. Ping An Universal Insurance 6000 has been surrendered for ten years because it has passed the hesitation period, and it is refunded according to the cash value, which is the so-called account value. For example, a 0-year-old child is insured with intelligent universal insurance, paid for 10 years, 6,000 yuan a year premium, and chooses to surrender the policy is similar to their own cumulative premium, 60,000 yuan principal, and the ten-year surrender can also be refunded about 10,000 yuan, but this is based on the mid-range interest rate, but if it is a high-end interest rate, it can be surrendered about 10,000 yuan, which is a return to the capital.

As for the guaranteed interest rate, it is expected that the surrender after ten years will be about 48,343 yuan. However, this is based on the calculated interest rate, which is based on the actual interest rate.

Ping An universal insurance 6000 paid for ten years, how much money can be paid for surrender.

Ping An Universal Insurance 6000 has been paid for ten years, and the surrender is that it has passed the hesitation period, and it will be refunded according to the cash value. For example, a 0-year-old child is insured with intelligent universal insurance, paid for 10 years, 6,000 yuan a year premium, and chooses to return the burial wide insurance, which is similar to their own cumulative premium, 60,000 yuan of principal, and ten years of surrender can also be searched for a code to refund about 10,000 yuan, but this is based on the mid-range interest rate, but if it is a high-end interest rate, it can be surrendered about 10,000 yuan, which is a return to the capital. As for the guaranteed interest rate, it is expected that the surrender after ten years will be about 48,343 yuan.

However, this is based on the calculated interest rate, which is based on the actual interest rate.

I'm sorry I don't understand, but can you elaborate on that?

The value of Ping An Universal Insurance 6000 paid for ten years Chi Xiang's surrender is about 10,000 yuan, and the full premium paid is 60,000 yuan, and the insurance has been bought for 10 years, and the surrender will lose 4000 yuan. According to the relevant regulations of Ping An Universal Insurance, we pay 6,000 yuan per year, compound interest at the mid-range interest rate, pay for 10 years, the value of the account is 56,056 yuan, and after the premium is paid, the value of the 20th year is 79,252 yuan, the value of the 30th year is 116835 yuan, and the value of the 60th year is 323879 yuan. If we buy Ping An Universal Insurance 6000 and pay ten years to surrender the policy, it is not particularly cost-effective, and we still have to think carefully before surrendering the policy.

Summary. Hello, dear, I'm honored to answer for you! <>

After buying Ping An Insurance for 6 years, it is almost 60,000, and about 20,000 can be returned, and after paying the premium for 6 years, Ping An Insurance will only return the cash value of the policy. When you go home and look at the contract, you can see the cash value table of the policy at the end or in the middle of the contract, which indicates how much the cash value is for each year. Usually only about 20% of the premium can be refunded, and then the amount refunded will be affected by the rate, and the policy is different every year, so you need to go back and read the contract yourself, and you can get how much the amount can be obtained by substituting the amount, year and rate.

If you are not clear, you can find an insurance company for accounting, or you can find a third party to calculate.

I've been buying Ping An Insurance for 6 years, and it's almost 60,000, how much money can I get back.

Hello, dear, I'm honored to answer for you! <>

After buying Ping An Insurance for 6 years, it is almost 60,000, and about 20,000 can be returned, and after paying the premium for 6 years, Ping An Insurance will only return the cash value of the policy. When you go home and look at the contract, you can see the cash value table of the policy at the end or in the middle of the contract, which indicates how much the cash value is for each year. Usually only about 20% of the premium can be refunded, and then the amount refunded will be affected by the rate, and the policy is different every year, so you need to go back and read the contract yourself, and you can get how much the amount can be obtained by substituting the amount, year and rate.

If you are not clear, you can find an insurance company for accounting, or you can find a third party to calculate.

Ping An Insurance (Group) Co., Ltd. Ping An Insurance, the full name of Ping An Insurance (Group) Co., Ltd., is China's first comprehensive financial service group with insurance as the core, integrating multiple financial services such as insurance, trust, banking, asset management, and enterprise annuity. The company was founded in 1988 and is headquartered in Shenzhen. 2010 Fortune Global 500 Companies In June 2010, Fortune announced its 2010 "Global 500" list, Ping An Global 500 of China.