I have paid the 10 year dividend insurance has expired, how much can I get and can I surrender the p

The 10-year participating insurance you have paid has expired. How much can you get for surrendering the policy? There is a formula table on this policy for calculating the cash equivalent of surrender.

Maybe we're not looking at it so clearly. We can find out this dividend every year. However, if the policy is surrendered in the middle of the policy, the calculation formula will not be the same for each insurance policy.

Basically, it won't be much more than the money you deposited.

1. Participating insurance refers to the life insurance products in which the insurance company distributes dividends to the insurance policy holders according to a certain proportion of the surplus of actual operation and production while obtaining life insurance. The expiration of the insurance premium payment period means that you have fulfilled the payment obligation, but the insurance company's obligation to compensate or pay has not stopped, which means that your insurance period has not expired, and the surrender of the insurance liability has not been terminated is the unilateral termination of the insurance contract by the policyholder.

2. In addition to the hesitation period, there will be losses in the general surrender, and the specific surrender amount is subject to your contract, and you can contact the insurance company for consultation.

Participating insurance refers to the life insurance in which the insurance company distributes a certain proportion of the surplus of the actual operating results of its participating insurance business to the policyholders according to the pricing assumption. If it is paid for ten years, it is generally the total amount of refund plus 2%-3% of the income, if it is less than ten years, only the principal can be refunded, and some products cannot be refunded.

Participating insurance has the following characteristics:

First, policyholders can receive dividend distributions. In addition to the basic protection function, the insurance company also decides the dividend distribution every year according to the actual operating conditions of the participating insurance business, that is, customers can share the company's operating results with the company. Second, the dividend distribution methods include cash dividends and incremental dividends.

Cash dividend distribution refers to the direct distribution of surplus to policyholders in the form of cash, and insurance companies can provide a variety of dividend payment methods, such as cash, premium payment, interest accumulation, and purchase of sum insured. Incremental dividend distribution refers to the distribution of dividends in the form of increasing the sum insured each year throughout the term of insurance. Thirdly, the distribution of dividends is uncertain.

How to apply for insurance:

Participating insurance is a wealth management insurance product. Those who purchase participating insurance can also share the operating results of the insurance company in the form of dividends while receiving death benefits and survival benefits.

The distributable surplus of the participating insurance** is the difference between the insurer's hypothetical mortality, return on investment and expense ratio and the actual difference. For example, there may be situations where the mortality rate of the actual insured population is lower than the hypothetical, or the actual investment return is higher than the hypothetical return.

These differences make the insurance company generate a certain surplus, which is the distributable surplus of the participating insurance.

The China Insurance Regulatory Commission stipulates that insurance companies should distribute at least 70% of the distributable surplus of participating insurance to customers every year. There are two ways to distribute dividends: cash dividends and incremental bonuses.

Cash dividends are dividends that distribute the surplus directly to policyholders in the form of cash. Incremental dividends are dividends that are distributed annually in a way that increases the sum insured throughout the term of insurance. At present, most insurance companies in China adopt the form of cash dividends.

Under the distribution method of cash dividends, dividends can be received in a variety of ways: cash, interest accumulation, premium payment and purchase of top-up insurance.

However, the risk of participating insurance is relatively large, and investors should consider it carefully in combination with their own situation before applying for insurance.

If you are insured to the age of 80, there is not much money to be refunded after 10 years, and only about 60% of the premium you have paid will be refunded, because the surrender is the cash value. The cash value table is available in your contract, and you can see how much the cash value is for the 10th year, and you can get a refund.

Specifically, if you look at the cash value of the contract, it is very clear that I will only make an estimate.

Question: If the dividend is 2,004, the bonus is 3,000, and the base is 15,000, for a total of 20,000.

Ask how 18000 is calculated.

For example, for example, many people pay a total of 100,000 premiums for 10 years, but the insurance period is 30 years, and the money he can receive at the end of 30 years is about 115,000.

If you pay for 10 years, then you can get a refund of at least 70% or 85%. After all, it has been paid for 10 years, and if the payment period expires, then there is no need to pay.

It is possible to refund the money, depending on how much money you pay, to deduct part of the fee, it is impossible to refund it all, it can probably be pushed 1 3.

You can refund about 80%, and in some places, you don't need to pay after 10 years, and you can withdraw only after communicating with the other party.

Usually, the insurance depends on the protection time, and the insurance time is over, and it can only be refunded if it is a return-to-principal product, and the payment time will usually be shorter than the protection time.

Wolves in sheep's clothing keep a bunch of ** in the cloak of legality.

It depends on your policy, and each company has a different policy.

You can surrender the policy, but it is not a full return, and if you are given a cash refund price, you will not be able to return much, because it has protected your risk for ten years, and I personally think that it is better not to surrender the policy.

Participating insurance may not be fully refunded after the 10-year term. Participating insurance is also divided into simple participating insurance and participating insurance with additional critical illness insurance, if it is a simple participating insurance, then the cash value is relatively high, and the paid premium can generally be recovered after the due payment, but as for whether the surrender can be refunded after the 10-year payment, it also depends on how the policy stipulates the return of survival money and the interest rate; However, if the participating insurance is accompanied by critical illness insurance, the cash value is lower, and the premium paid cannot be refunded after the full 10-year payment.

Extended information: 1. Can the participating insurance be refunded in full after payment?

1. First of all, it is certain that the dividend insurance cannot be refunded in full after the expiration period, because the participating insurance is mainly an investment, and the insurance company distributes dividends to the policyholder in proportion to the sales results of the previous year, so it is difficult to refund the full amount after investing in this insurance according to the definition.

2. The full payment of the participating insurance can only mean that the policyholder does not need to continue to pay the premium in the future, but can still enjoy the protection during the contract period and can receive the insurance money according to the terms of the contract.

3. Although the participating insurance cannot be fully refunded after the expiration period, if the policyholder can still directly ask the insurance company to terminate the contract during the hesitation period, the cash value of this surrender may only be 70%.

2. How to surrender the participating insurance after payment.

1. In fact, the process of surrendering most types of insurance is almost the same, first notify the insurance company in writing to terminate the insurance contract, and then the policyholder provides the following information according to the requirements of the insurance company: surrender application, original ID card, insurance contract, one point to note here is that this contract will lose legal effect from the date the insurance company receives the application.

2. Submit these materials to the insurance company, wait for the background review, and it will take about 10 working days to complete the refund process, and the specific refund amount will be calculated according to the cash value table in the contract, and most of the participating insurance will deduct 30% of the handling fee;

3. After the waiting period is over, the surrender amount will be directly returned to the original account.

3. How to minimize the loss after surrendering the participating insurance.

1. If you can change the payment method or change the type of insurance, for example, if you originally paid annually, you can now change it to monthly and quarterly payment.

2. Apply for a policy loan. In this way, the money that is equal to investment is not invested with your own money, it is equivalent to a loan to invest, and the money paid every month is still very small, and the participating insurance can be loaned to 90% of the cash value, which can temporarily make your funds very flexible.

3. Directly reduce the insured amount of the original policy, so that the loss is relatively small for yourself, and use the minimum amount to buy the maximum protection. Reduce the sum assured of your existing life insurance policy and switch to a low-premium product.

Hello, whether the ten-year expiration of participating insurance will return to the capital depends on the type of insurance you buy. The wealth management type can protect the principal and have income, and the specific amount can be seen in the cash value table of the insurance contract, but universal insurance and accidents with critical illness may not necessarily protect the principal, depending on the insurance contract.

Depending on the specific terms, it should be possible to return it. But if it's cost-effective, if there's an urgent need for money, you don't need to think about whether it's cost-effective.

With the continuous development of social economy, in our real life we will choose to buy a variety of insurance, to protect the safety of our life, when we suffer a certain accident, can bring us a certain amount of economic compensation, of course, I believe that many friends in the process of buying insurance, will choose more suitable for their own insurance, some friends will choose to buy dividend insurance, it is precisely because of this reason, so some friends are very confused, that is, they have paid ten years of dividend insurance, And it's about to expire how much money you can get, so let's take a look at it.

First of all, we have to understand a problem, that is, we have paid ten years of dividend insurance, how much money can we get, it must depend on which type of insurance we bought at the beginning, because the dividend insurance of different insurance, the profit and interest of the money we ultimately get are different, so we must analyze this problem specifically, if we buy life dividend insurance, after the expiration of ten years of insurance, Then we have to look at the cash value of each corresponding year in the plan in the insurance contract, and see how much money we can finally get back based on this cash.

If we don't know it, then we can consult the relevant staff of the company to help us solve this problem, but in general, we have to look at how our insurance contract is written, and each clause signed at the beginning, how much cash value is represented, these are all we must understand by ourselves, when we open our own insurance contract, we can get an accurate value.

To sum up, we can clearly know how much money we can get for paying ten years of participating insurance, which must depend on how the terms of our original insurance contract are written, because the participating insurance represented by different insurance is also different.

There is a 15-year return to the principal of the participating insurance, and the 15-year return will be more than 10% more than the principal, and the surrender of the policy after maturity can only get back the cash value of the current policy. So I can probably get a few thousand yuan or so.

It depends on how much money you paid, basically it is to return the money you paid before, and then add some dividends, generally speaking, it will not be very much.

Hello, I am happy to serve you, for your questions to make the following answers, first of all, to understand that there is a loss in surrender, can only return the cash value of the corresponding year, will not return the full premium, if the payment period is longer, it is not recommended to surrender the policy.

Questions. If the Red Star Insurance I bought for my child is enough for ten years, can I return the interest and principal?

First of all, look at the type of participating insurance, such as the kind of written payment period of ten years, even if the policy is surrendered, you will not be able to receive the principal plus income. Because the stipulation is that the money can only be withdrawn after the expiration of the insurance period, rather than the payment period, sometimes the policyholder can not withdraw it until he or she is old even if he has paid the premium for 10 years.

Since the expiration time of the insurance contract is more than this number, the payment of ten years can only be regarded as a midway surrender, and the policy will only return the cash value. Refer to the cash value table of the insurance contract, including the operating costs of the insurance company, the commissions that have been deducted, the premiums and interest required for the policyholder to be liable, all of which are to be deducted.

Therefore, the principal cannot be returned.

If it has expired, it will be profitable according to the proportion and amount of payment, and it should also be based on the agreement of the insurance contract.

Look at how much money you paid at the beginning, because the time is also very long, so you should be able to get 10% of the principal in the end.

The dividends that have been paid for 10 years have expired, and you can get about 340,000 yuan, which is still okay.

Whether the participating insurance can be fully refunded after the full 10-year period depends on the situation.

Participating insurance is also divided into simple participating insurance and participating insurance with additional critical illness insurance.

If it is a simple participating insurance, then the cash value.

It is relatively high, and the premium paid can generally be refunded after the payment is due; However, as for whether the surrender of the policy after the full 10-year payment can refund the premium paid, it depends on how the return of the survival fund and the interest rate are stipulated in his policy; However, if the participating insurance is accompanied by critical illness insurance, the cash value is lower, and the premium paid cannot be refunded after the full 10-year payment.

Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the previous fiscal year to customers in the form of cash dividends or value-added dividends in a certain proportion after the end of each fiscal year. In the China Insurance Regulatory Commission.

In the statistics of the mouth of the Kai material path, dividends of life insurance, dividends of pension insurance.

Participating insurance and other types of insurance with participating functions are included in the scope of participating insurance.