How much can Chinese Life Insurance wealth management type 50,000 be refunded after paying for one y

1.: Hello, if you only pay a year of insurance, you can only refund half of it at most, so you should think twice about surrendering, the cost of losing is not a lot, if you want to return as much as possible, the following strategy must be seen.

2.There are two situations when we surrender the policy, one is to surrender the policy during the cooling-off period, and the other is to surrender the policy after the cooling-off period.

Surrender the policy during the cooling-off period, and the loss is very small.

If the insurance you purchased is within the cooling-off period, and you realize that the insurance you bought is not suitable, everyone will be happy and will refund if you want to.

Because most products have provisions in the terms: surrender during the hesitation period, generally deduct the cost of production or directly do not deduct the fee.

In other words, surrendering the policy during the hesitation period and getting a full refund is almost no major financial loss.

But pay attention! Some products have a hesitation period of 10 days, while others have a 15-day period. Specific analysis of specific products is subject to the terms.

Surrender the policy after the hesitation period, and the loss is very large.

In fact, most people have already passed the hesitation period when they consider surrendering the policy.

In this case, if you surrender the policy, you will generally only get back the cash value of the policy.

The so-called cash value refers to the fact that there is a cost for the insurance company to operate every insurance product.

Cash Value = Premiums Paid Operating Costs of the Insurance Company + Interest Generated by Premiums Paid.

If the policyholder surrenders the policy in the middle of the policy, especially in the first two or three years, the policyholder will bear most of the financial loss.

3.Misleading sales: If the salesman has irregular operations when the insurance contract is signed, and the signature in the insurance contract is not signed by the person, it is very likely that the full amount will be refunded.

Personal advice: aIn addition to the above circumstances, there will be a certain degree of economic loss, at this time reducing the loss is the only thing we can do, such as the option to reduce the amount to pay off:

b.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.

c.It is not as cost-effective as surrendering, but this method is not universal, and whether it can be used or not needs to be negotiated with the insurance company.

3.Surrender Notice.

These situations are also special attention to when surrendering the policy:

Health Condition: If you have more medical conditions, you may not be able to notify you of your health through the new insurance, so it is not recommended to surrender the policy.

Payment card balance: If the surrender is confirmed, the bank card used to pay the insurance premium should be cleared, and if the surrender is not successful, it is likely to be deducted when the payment period arrives.

This belongs to you to break the contract, look at the number of years you have paid, what is the cash value of the insurance premium in that year, how much you can refund, the general cash value is about 60% of the premium.

Surrender can only return the cash value, you can check the policy contract, generally there is a cash value table on the policy contract, you can correspond to the time to see, how much the cash value is how much can be refunded. If you don't understand, you can also call** to customer service for consultation. Generally speaking, the cash value should be around 20 30%, that is to say, if the money reaches 15,000 yuan after 5 years, then the cash value is about 3000-4500, which means that you can only return about 3000-4500, and this is already quite a lot.

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

1. Full surrender.

Usually these can be fully surrendered:

1) Surrender during the cooling-off period.

Usually there is a hesitation period after the purchase of insurance, if the surrender is still within the hesitation period, you can surrender the policy in full, only deduct about 10 yuan of the cost of production, usually the beginning of the hesitation period is after the contract receipt is signed, usually 10-15 days, the contract will be stipulated.

2) Be signed on behalf of you.

If some salesmen do not operate properly, and the signature of the insurance contract is signed on behalf of the agent, in this case, the full premium can be refunded by applying for surrender.

3) There is evidence.

If the ** person violates the operation or deceives the consumer, if there is evidence, the full premium can be refunded if the application for surrender is also available.

2. Return the cash value.

If the policy is surrendered outside the hesitation period, only the cash value will be returned, and the cash value is savings life insurance, such as long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, comprehensive insurance, whole life insurance, term life insurance with a term of more than one year, universal insurance and participating insurance; Accident insurance, one-year medical insurance, etc., generally have no cash value.

3. Return 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 the insurance money that has been fixed will be given to the customer, and the other part is the insurance money that depends on the company's operation, which is uncertain and called the dividend.

If you are not in an urgent need of money, it is recommended not to surrender the policy, as long as it is not surrendered in full, there will be a loss, and you can use the policy to take out a loan if you need money urgently.

Hello, first of all, if the insurance is surrendered in the fifth year, the cash value will be refunded. This is because the insurance product can only be refunded in full within the 15-day cooling-off period. After the cooling-off period, the cash value of the policy is refunded to the year.

Different insurance products: The age and gender of the insured and the premiums paid are different, resulting in different cash values for each insurance policy.

Therefore, if you can refund how much you can refund, you need to have a page called the cash value table in the insurance contract in your hand. Corresponds to the cash value at the end of the 5th year policy year. It is the surrender amount.

You can also check the cash value of the policy by calling the insurance company's customer service** to provide the identity information of the policyholder or the insured. You can also check the current cash value of the policy by logging in to the insurance company's official WeChat and mobile app, as well as the official **.

Questions. Why can't you understand that the cash value table is 500?

You can take a picture of your cash value statement and send it to me to help you see it, the cash value chart and the first page of the insurance policy.

The cash value statement usually states the cash value for every $1,000 of the basic sum insured.

That is, the number in the cash value table is the amount corresponding to 1000. For example, if the basic insurance amount is 100,000, then the fifth year is 500. The calculation method is 100,000 1,000 500 = 50,000.

Questions. <>

The cash value table is usually the cash value corresponding to the basic sum insured of 1000. Is the basic sum insured for your policy contract 10,000?

Then use 10000 1000 500 to get 5000, which means that there is no cash value at the end of the fifth year. This is the amount surrendered in the fifth year.

It should be that the principal of 3,000 yuan will be returned, and then you will be given another three years of dividends, of course, the dividends will not be very high.

At this time, if you want to surrender the policy, you should be able to refund about half. But it also depends on the system of each region, and you can go to the relevant place and ask the staff.

It may be refunded more than half, it will not be a full refund, and he may have to charge some of your processing fees or other fees.

I let Wang Shumil swoop, bought 30 years of Xinhua Life auspicious celebration, paid for 18 years, if the surrender is too loss, continue to pay it!

You will be refunded up to 1,000 dollars.

The final interpretation right belongs to the company.

Look at the cash value or call the customer ** to consult.

Haha, surrender sad and shed tears.

Summary. Hello dear! We'll be happy to answer for you. <>

Life insurance can be refunded at the end of 5 years. However, if the whole life insurance is withdrawn after five years, the cash value can only be received by surrendering the policy, but if it is only five years, the cash value may not be so high, and it is lower than the premium paid.

Can I get my money back after 5 years of life insurance?

Hello dear! We'll be happy to answer for you. <>

Life insurance can be refunded at the end of 5 years. However, if the whole life insurance is withdrawn after five years, the cash value can only be received by surrendering the policy, but if it is only five years, the cash value may not be so high, and it is lower than the premium paid.

If you buy a 5-year life insurance policy, you can surrender the policy. Life insurance is a commercial insurance product, and consumers can choose to apply for insurance according to their actual protection needs and premium budget, or they can choose to surrender the insurance according to their own protection needs and economic conditions. However, if the life insurance policy is surrendered after 5 years of purchase, it is a cooling-off period and the cash value of the policy can only be refunded.

Summary. Hello dear! Chinese Life Insurance pays 50,000 surrenders to return the cash value of the policy, if it is a one-year insurance, then the surrender in the middle of the policy, generally need to deduct the premium and handling fee for the number of days of protection, before the remaining premium can be refunded.

If it is a long-term insurance, then the surrender period can refund the premium paid, and the cash value of the policy can be refunded after the cooling-off period, and the cash value will generally be reflected in the cash value table of the policy. For example, the cash value table will state that it is calculated according to the sum insured per 1,000 yuan, for example, the corresponding amount of cash value in the fifth year is yuan, if the insured amount is 300,000 yuan, the cash value surrendered in the fifth year can be multiplied by 300. Of course, the specific value is based on the cash value at that time.

Hello dear! Chinese life insurance paid 50,000 surrender can return the cash value of the policy, if it is a one-year insurance, air travel then surrender in the middle of the policy, generally need to deduct the premium and handling fee for the number of days covered, before the remaining premium can be refunded. If it is a long-term insurance, then the surrender of the policy during the hesitation period can refund the premium paid, and the cash value of the policy can be refunded after the surrender period, and the cash value will generally be reflected in the cash value table of the policy.

For example, the cash value table will state that it is calculated according to the sum insured per 1,000 yuan, for example, the corresponding amount of cash value in the fifth year is yuan, if Pai Xiaoguo is insured with 300,000 sum insured, the cash value of the surrender in the fifth year can be multiplied by 300. Of course, the specific value is based on the cash value at that time.

I paid 10,000 yuan a year, and I have paid it for 5 years, so how much can I return if I surrender the insurance now?

I have critical illness insurance.

Critical illness insurance can usually be refunded 30%-50% of the policy in the early stage.