I have paid the Pacific Anxing Insurance for two years, and I want to surrender the insurance how mu

Founded in 1991, CPIC has been selected as one of the world's top 500 companies and is the big brother of the insurance industry. Regarding the evaluation of Pacific Insurance Company, there are three main questions:

1.Are Pacific Insurance's products worth buying?

Children's Super Energy Treasure Jinyou Life, Love Guardian, Auspicious Life, Xin Satisfaction, etc. are the best-selling products of Pacific Insurance, I spent a week researching Pacific Insurance's products and sorted out one"List of the Seven Best Products to Buy in Pacific Insurance".

I suggest you click on it and take a look.

2.In terms of service level, what is the evaluation of Pacific Insurance?

Based on a large amount of data and experience in the past, the bank and insurance company are divided into 10 levels according to 8 indicators, including the timeliness of claims service, the odds obtained, the complaint rate, and the preservation timeliness, with the highest level being AAA.

Let's take a look at Pacific Life's service ratings:

3.Is Pacific Insurance reliable?

Some people are worried that Pacific Insurance is unreliable, probably because they are worried about not making claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. I stayed up late analyzing various companies and put together a following:

What are the top 10 insurance companies.

That's all for me"I have paid the Pacific Anxing Insurance for two years, and I want to surrender the insurance how much can I refund"All, look!

An Xingbao 1672 a year, 10 years of insurance, 30 years, accident worth 1 million protection.

A plan with low premiums and high protection will be refunded 120% at maturity.

Why should you surrender the policy?

Pacific Anxingbao can return the principal after 10 years, this isCoverage for both, which means that there is something to pay, nothing to cashback.

Pacific Anxingbao Insurance has a maturity benefit, which mainly covers death or total disability, and the sum insured is paid before the age of 75.

Higher. 1. Maturity insurance money, the insured is still alive after the expiration of the insurance period, and the maximum amount of the insurance premium paid is 120%.

2. Death or total disability insurance benefit, if the insured unfortunately dies or becomes totally disabled, 105% of the premium paid and the cash value of the policy at the time of the insured event.

The greater of the two pays the death or total disability benefit.

3. Accidental death or total disability insurance benefit, if the accident is under the age of 75, the basic sum insured will be paid, and 50% of the basic sum insured will be paid if the person has reached the age of 75.

4. Transportation.

Accidental Death or Total Disability Benefit, if the accident is under the age of 75, 10 times the basic sum assured will be paid, and if the accident is over 75 years old, the basic sum assured will be paid 5 times.

Hello, if you are not satisfied with this product, you can choose to surrender the policy, Daddy is here to teach you how to surrender the insurance more cost-effective, click on this article and you will know. "If I buy the wrong insurance, how can it be more cost-effective to surrender the insurance?" 》

So, how much money can be refunded by surrendering?

1.Surrender during the cooling-off period.

The hesitation period of insurance is generally 10-15 days, and the hesitation period is generally understood to give consumers a chance to regret it.

If the policy is surrendered during the cooling-off period, the consumer generally has no loss or the loss is relatively small, and the insurance company will refund the premium paid by the consumer in full (the cost of production may be deducted).

2.Surrender after the cooling-off period.

If the consumer chooses to surrender the policy at this time, then there will be a certain economic loss.

And as long as the cooling-off period has passed, no matter how long it has been, even if it is a few minutes or hours, the insurance company will directly determine that the policy is surrendered after the cooling-off period.

After the cooling-off period, the surrender insurance company usually only refunds the cash value of the policy.

The cash value of the policy, i.e. the residual value that can be obtained by giving up the policy, is the value of a life insurance policy with a savings nature.

The cash value of the policy is generally written in the insurance contract, and the cash value of the policy is usually related to the payment time, and the longer the policy is in effect, the higher the cash value.

Therefore, if the policy is surrendered for a short period of time, the cash value of the policy is very low, and the surrender at this time will result in a greater financial loss.

However, if the policy is surrendered for a long time, the cash value is already considerable, the surrender loss is not so large, and some types of insurance may exceed the sum insured if the policy is in effect for a particularly long time.

Therefore, if consumers surrender the policy after the hesitation period, then they must think carefully first to avoid excessive economic losses.

Founded in '91, Pacific Insurance is a senior insurance company in the insurance industry, and has been listed in the Fortune Global 500 for eight consecutive years. Let's evaluate Pacific Insurance Company with the following three questions:

1.Compared with other insurance companies, is it worth starting with Pacific Insurance's products?

The main products promoted by Pacific Insurance are Jinyou Life, Children's Super Treasure Enjoying Millions, Xin Satisfaction, etc., I spent a week comparing the products of Pacific Company and sorting them out"Seven Products Worth Buying in 2020 by Pacific Insurance".

Hope it helps.

2.What is the level of Taiping Insurance's service in the same industry?

In order to give everyone a standard, the China Banking and Insurance Regulatory Commission (CBIRC) rates the service according to indicators such as claims service, how many complaints, and business processing speed, with the highest level being AAA and the lowest being D.

Let's see how many levels Pacific Life can rate:

The form shows that the Pacific Ocean is AA graded, which is a high level. Next year will be different.

3.Is Pacific Insurance reliable?

Friends who are worried about the unreliability of the insurance company are still concerned about the claims after buying the insurance. This is simple, and the higher the ranking company in the same industry, the more reliable it must be. I stayed up late analyzing various companies and put together a following:

What are the top 10 insurance companies.

You'll be able to see which companies are better than Pacific Insurance.

That's all for me"How much can I surrender to Pacific Insurance? "All, look!

Hello, I am glad to answer for you The surrender amount is equal to the current cash value of your policy (the cash value can be simply understood as how much the policy is worth, which is generally reflected in the insurance contract) Because the cash value of each policy is different There is no fixed amount and percentage You can check the cash value table, and the amount corresponding to the year is the surrender amount. How many years have you paid and why do you want to surrender the policy?

Hello, I am glad to answer for you The surrender amount is equal to the current cash value of your policy (the cash value can be simply understood as how much the policy is worth, which is generally reflected in the insurance contract) Because the cash value of each policy is different There is no fixed amount and percentage You can check the cash value table, and the amount corresponding to the year is the surrender amount. How many years have you paid and why do you want to surrender the policy?

Questions. I've been paying for almost 2 years, nearly 3,000 a year, and now I don't want to pay it because of the pressure of life, how much can I get back?

I've been paying for almost 2 years, nearly 3,000 a year, and now I don't want to pay it because of the pressure of life, how much can I get back?

Because the cash value of each policy is different, there is no fixed amount, and it should normally be a few hundred dollars, but the determined amount also requires you to check the cash value table of the policy, and the amount after the second year is the amount that can be refunded Is your policy in place, you can take a picture and send it over to help you take a look.

Questions. The policy is not there, it was my relatives who asked me to buy it, I was working outside, I used my mobile phone to take a picture of my ID card and sign, and the insurance company will automatically deduct the money in my bank card at the end of next month, how can I unbind it?

The policy is not there, it was my relatives who asked me to buy it, I was working outside, I used my mobile phone to take a picture of my ID card and sign, and the insurance company will automatically deduct the money in my bank card at the end of next month, how can I unbind it?

Questions. I deduct my insurance premium at the end of the next month. At the end of next month, it will be just 2 years, and I would like to ask whether it is better to surrender the policy in January or now.

I deduct my insurance premium at the end of the next month. At the end of next month, it will be just 2 years, and I would like to ask whether it is better to surrender the policy in January or now.

The longer the premium payment period, the greater the surrender loss, and you need to look at the cash value amount on the policy.

Questions. The problem is that I can see the policy from **, and I don't even know that the policy is in**?

The problem is that I can see the policy from **, and I don't even know that the policy is in**?

Didn't you get a policy when you bought insurance at that time?

You can ask the salesman who sold at the time, if there is no insurance policy, the insurance policy is still in the salesman's hands.

Questions. It was all operated by mobile phone, and I was working outside at the time, not in my hometown.

It was all operated by mobile phone, and I was working outside at the time, not in my hometown.

Hello, I received your question, in the inquiry, please wait.

Life insurance surrender is generally only the cash value of the policy, and there will be a certain loss, so it should be considered carefully.

The annual cash value of the policy is stated in the insurance contract, so you can see what the cash value of your insurance contract is.

I hope mine can help you. If you are satisfied with my service, please give 5 stars.

Questions. The Pacific Golden Life Life Insurance policy has been paid for six years, and the total amount of premiums is 30,000 yuan.

You look at your insurance contract, the general cash value table is on the first few pages of the policy, and then look at the cash value for the sixth year, the cash value for the sixth year is the amount that can be refunded now.

Questions. There is a cash value of 95o0, a 11oo, and 120o,, what does this mean.

You can take a picture of **I see.

If there are three, you have three insurance. The buyer's insurance is accompanied by additional insurance.

Questions. How to pass it on.

Just take a picture and upload it.

If you can't upload it**, you can see if there are three insurance names, if so, it means that there are three policies, then the cash value of the three can be added.

When the insurance is surrendered, only the cash value can be refunded, which is the value of the policy. After you pay the premium, the insurance company covers you and you need money. If someone is out of danger, the claim will also need money.

So even if you don't have insurance, these costs are paid for with the premiums you pay.

It is not advisable to surrender the policy, as there is a certain loss after the cooling-off period.

Why should you surrender the policy, the premium paid during the hesitation period, and if there is a loss after the hesitation period, look at the insurance contract.

After the hesitation period, only the cost of production will be paid, and there will be losses after ......the hesitation period

If the cooling-off period has passed, look at the cash value table in the contract.

Can't I tell you how much I will return? What is the cash value of your policy? It depends on the policy.

The refund is based on the cash value of the policy for the year in which it is issued.

If you surrender the policy within 10 days of the hesitation period, only the public capital will be paid, and the surrender after 10 days will be given to the cash price, there is a certain loss, and it is best not to return.

It can be surrendered, but there is a loss.

Neither insurance policy minds surrendering.

Why refund, refund is only the cash value of the policy.

Hello, in fact, no matter which company you are insured, as long as you pass the hesitation period, you will suffer losses.

It depends on what kind of insurance you buy, and there are many different products for insurance. The purchase amount, expiration time, and insurable type are all different. No matter what the insurance is, if you don't surrender it early, you will definitely lose some money.

Insurance is a contract, we ordinary people may not be able to understand, you want a refund or to the insurance company for specific consultation is the best!

Looking at the cash value on the policy, there is a cash value table in the policy, and there is a corresponding value according to the payment period, and the loss will be very large.

Summary. Hello, how much can Pacific Insurance refund in the middle of the refund: only 50% or 30% of the premium can be refunded.

Most insurance products in the Pacific have a hesitation period of 10-15 days, as long as the policyholder applies for surrender during this period, Pacific Insurance will not deduct the handling fee, but will only deduct the cost of about 10 yuan. Therefore, it is equivalent to a refund of 100% of the premium during the cooling-off period, which is a full surrender. After the cooling-off period set by the insurance product, you may face a loss of premiums as only the cash value of the policy will be refunded.

According to the cash value of most of Pacific Insurance's consumer products, there is a high probability that only 50% or 30% of the premium will be refunded during the non-hesitation period.

Hello, how much can Pacific Insurance refund in the middle of the refund: only 50% or 30% of the premium can be refunded. Most insurance products in the Pacific have a hesitation period of 10-15 days, as long as the policyholder applies for the surrender of the insurance during this period, Pacific Insurance will not deduct the handling fee, but will only deduct the cost of about 10 yuan.

Therefore, it is equivalent to the surrender of the policy during the hesitation period to get back 100% of the premium, which is a full surrender. After the cooling-off period set by the insurance product, you may face a loss of premiums because only the cash value of the policy will be refunded. According to the cash value of most of Pacific Insurance's consumer products, there is a high probability that only 50% or 30% of the premium will be refunded during the non-hesitation period.

My mother-in-law has been insured for four years to enjoy millions of insurance, and now the surrender can only be refunded 1 3, which is not legal.

Legal. The loss of surrender in the middle of the policy is very large.

Under what circumstances can the policy be surrendered 50 100

It's almost due. The state has a legal basis.

Article 47 of the Insurance Law of the People's Republic of China generally requires that after a certain number of years of the policy, the policyholder may apply for termination, and the life insurance company shall refund the cash value of the policy within 30 days from the date of receipt of the application. The current value of the policy** refers to the amount that can be returned in the event of termination or surrender of the life insurance contract. In a long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate the contract or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the deposit of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

Surrender is calculated based on the cash value on the policy.