I bought 100,000 yuan of life insurance and paid it over, how much can I get back if I surrender the

If you buy life insurance, you can only get 70% of it if you surrender it temporarily

The money from life insurance, if you want to surrender the policy, should be able to return the principal, but the interest you lose, these old houses are not cost-effective.

Why do you have to surrender the insurance after you have already paid it? Wait, wait until you can go back automatically. It probably grew a lot at that time.

If the policyholder dies, you don't have to surrender the policy, the insurance company will automatically push it to you, and the compensation is also a lot.

I bought life insurance for 100,000 yuan. It has been handed over. How much money can I get back if I surrender the policy?

First. First of all, determine whether you are buying participating insurance or life insurance? If it is a dividend insurance, the principal will be returned.

There will also be a certain amount of interest and dividends. I said life insurance. Probably only get between 40 and 60%.

If there is nothing urgent, it is best not to surrender the policy. After buying insurance, you will only get income if you hold it for a long time.

Second. If you're in need of money, there are other ways to raise it. For example, policy loans. Nowadays, many insurance companies have this business, which is very convenient and fast. It can solve your immediate needs without having to surrender the policy.

Hope mine can help you.

Surrender is generally the cash value of the year in which the policy is surrendered.

Why do you want to return? Do you think the insurance service is not good or what is the reason?

This depends on the insurance contract in your own policy, which cannot be generalized, and some types of insurance cannot be surrendered.

In most cases, I don't recommend surrendering the policy after paying the insurance, as this can lead to a large cash loss and expose the user to no protection. Before users buy insurance products, users need to comprehensively consider their real needs, and at the same time, they need to choose the right insurance products according to their own economic strength. Regarding the issue of surrender, I will explain in detail from the following points.

1. You need to determine the type of insurance you have.

There are many types of life insurance, such as critical illness insurance and medical insurance, which we often mention, as well as cancer insurance and life insurance, and some users will also buy annuity insurance and financial insurance. Different types of insurance have different surrender requirements, for example, most critical illness insurance and all medical insurance cannot be surrendered, and most life insurance and annuity insurance can be surrendered, but there will be some cash costs. <>

Second, you need to check the insurance contract and judge how much you can refund according to the insurance contract.

You will never find the right answer to this question you are asking, because each insurance contract has certain particularities, and different types of insurance and different protection conditions will also determine the cost of your surrender. Under normal circumstances, if you have paid for less than 5 years, you may need to surrender more than 50% of your premium. If you have been paying for more than 5 years, you will also lose at least about 30% of your premiums.

3. I do not recommend that you surrender the policy early.

As I said above, since you have subscribed to the insurance product, if the insurance product can take effect normally and can provide you with some protection in your life, I recommend that you continue to pay for this insurance product. If this insurance product is not suitable for you, you can also choose to stop losses in time and configure the insurance type that meets your real needs. But no matter what, the surrender will definitely bring you a very big loss, and I suggest you think about it.

If the policy is surrendered at this time, then only 95% of the amount can be refunded, because a certain handling fee will be deducted at the time of surrender.

Hello. There are two main types of insurance surrender, one is the hesitation period surrender, and the other is the normal withdrawal of the insurance, that is, the surrender after the hesitation period. After the insurance is purchased, there will generally be a hesitation period of about 15 days, and if the insurance is surrendered at this time, whether it is Chinese Life or other insurance companies, it will only charge a certain amount of production cost, generally about 10 yuan, and then refund the paid premium without interest; The longer the premium is paid, the higher the cash value of the policy until it reaches a top.

In addition, after surrendering the policy, you will not be able to enjoy the corresponding protection, and insurance such as critical illness insurance will become more and more difficult to insure as you get older.

If you have purchased life insurance, you can surrender the policy to 70% to 80%**, and it is not possible to surrender the policy in full.

If you have not passed the cooling-off period, you can surrender the policy in full. If the cooling-off period has passed, the money refunded is the content of the cash value.

Hello, may I ask if I bought an insurance with a dividend of 70,000 yuan in February last year, saying that it was a cover of 5 years and a return of 10 years, but it turned out that the years were too long, and the time to pay this year was coming soon, I wanted to surrender the insurance, and I was afraid that the loss was too big, and I didn't know how to reduce the loss?

Now there are many people, especially people over 50 years old have bought insurance, buy insurance are many kinds of insurance companies, for the current insurance most of the need to have corresponding returns, such as the current life insurance, as well as Chinese people's insurance, etc., these are relatively large insurance, have the corresponding promotion, for the current life insurance surrender funds are how much, there are the following components.

1. Full surrender.

Then one of them is full surrender, this full surrender must meet the following conditions to fully surrender, the first hesitation period surrender of the policy will have a hesitation period after it takes effect, and the surrender during the hesitation period is to enjoy full surrender, just say that the surrender will charge about 10 yuan of the cost of work, and the hesitation period is generally from the signing of the contract to start counting, generally in 10 days to 15 days or so to achieve the effect of surrender, this provision is also written into the contract, this do not worry. The second is to be signed, if some salesmen are not standardized, the signature of the insurance contract is signed, this situation is negligence, the application for surrender can also be fully surrendered, the third is that there is evidence in the evidence to prove that the ** person violates the operation or has deceived the insurance component, at this time the application for surrender can also be fully surrendered.

2. Return cash.

Cash return is outside the hesitation period can only be refunded cash, usually only savings type of life insurance has the value of cash return, such as both insurance whole life insurance, more than one year of term life insurance, long-term consumption critical illness insurance and a series of insurance, these accident insurance generally has no cash value, for the cash value of the return calculation method, can be obtained through the corresponding business customer service.

3. Return cash + dividends.

If you want to get the cash returned and dividends, there are also several first dividends divided into two parts, one part is agreed to give the customer a fixed insurance, the other part is to the customer insurance and the insurance company to relate this, part of the uncertain insurance is called public interest, the detailed bonus explanation can be solved through the corresponding problem, or through the corresponding customer to understand.

Look at the type of insurance, most of the health insurance refund is less than 10%, the single pension insurance can be 95%, all to the terms of the contract in the cash value table shall prevail, the cash value of each product is not the same, if you must return, you can look at the policy cash value column, the corresponding five years is the number of surrenders, see you buy more than 10,000 per year, should be financial management or protection, If it is life insurance or critical illness insurance, it has been paid for 5 years, it is recommended to continue to pay, after all, there is a guarantee of peace of mind, You can also think about why you bought this insurance in the first place. If you insist on refunding, you can contact the insurance person, or you can check the policy on the official website, which has a cash value table, that is, how much cash value can be refunded.

Extended Materials. What are the types of life insurance: 1. Term life, if the insured dies or becomes totally disabled within the specified period, the insurance company will compensate according to the amount specified in the insurance contract, if the insurance contract expires, the insured does not have an accident, then the insurance company will not refund the premium, and the insurance contract will be terminated.

There are regulations on the term of term life insurance, and generally the term life insurance period on the market includes 20 years, 30 years, protection up to the age of 60, protection up to the age of 70, etc., so the policyholder can choose according to their own needs. 2. Whole life, whole life insurance refers to the insured from the signing of the insurance contract to the time of death of the insured, because the death of people is inevitable, so the product will eventually pay the insurance money to the beneficiary, the product has a reserve function, so this type of product is cost-effective, but the product is more expensive than term life insurance, the insured can be the most unfortunate protection, can also be used as a pension savings ** or a tax-free inheritance to the next generation.

3. Survival insurance, insurance of this type of insurance, generally means that the insured must survive to the period specified in the insurance contract, so that the insurance company will pay the relevant insurance money, and if the insured dies during the insurance period, the insurance contract will be terminated, and the insurance company will not repay the insurance premium. 4. Life and death, which means that during the insurance period, if the insured unfortunately dies or becomes totally disabled, the insurance company will pay the death and total disability insurance benefits to the beneficiary; If the insured survives to the expiration of the insurance contract, the insurance company pays the expiration insurance money to the insured or the beneficiary, this kind of insurance is a very common insurance, and the product is cost-effective, so there are many people who are insured. 5. Endowment insurance means that if the insured dies during the insurance period, or survives until the expiration of the insurance, the insured or the beneficiary can receive the insurance money, and the family can receive a compensation after the misfortune occurs, making up for the psychological comfort, and can also obtain the expiration insurance money at the expiration of the survival period, which can be used as endowment insurance to ensure the quality of life in later life.

Hello dear! I'm glad for your question, the insurance surrender is according to the cash value to return the pro, this each surrender is different, the surrender needs to be returned in accordance with the previous contract, there is no specific surrender, because the insurance products are not all the same, the specific surrender of the **contract will have a pro, you can open the insurance contract, look at the corresponding surrender of the policy, one year, two years, three years, five years, etc., there will be a corresponding **, this is not how much we say to refund how much, It's all based on the contract we signed at the beginning.

I bought life insurance for five years, paid 10,000 premiums, and wanted to surrender about 7,000 yuan. According to the surrender regulations of life insurance companies, he generally has a 60-day grace period for long-term life insurance products, and the policyholder can pay the premium on any day during the grace period, and if the payment is still not made within 60 days, the policyholder can also use the two-year grace period, but the two-year policy is invalid.

I can only give you a refund of more than 9,000, because I have to deduct some handling fees from you, and I won't give you all of them.

If it is during the hesitation period of the insurance, it can be refunded in full, but if it has exceeded this period, the handling fee will be deducted according to a certain percentage, and there will be some losses.

Chinese Life Insurance surrenders 200,000 yuan, and generally speaking, 70% to 80% of the premium can be refunded. When Chinese Life Insurance is surrendered, it will be calculated according to the time of its own insurance, and generally about 70% to 80% of the policy can be surrendered.

Chinese Life Insurance

Chinese Life Insurance Company is composed of Chinese Life Insurance Company, as well as its subsidiaries and direct agencies. These include, Chinese Life Insurance Shares****, Guangfa Bank Shares****, Chinese Life Asset Management****, Chinese Life Property Insurance Shares****, Chinese Life Pension Insurance Shares****, Chinese Life E-commerce****, Chinese Life Insurance Shares****, China Life Investment Holdings****, Insurance Vocational College, etc.

Chinese Life Insurance Company referred to as Chinese Life, is a leading financial enterprise, is a state-owned super-large financial and insurance enterprise company, headquartered in Beijing, the world's top 500 enterprises, China's top 500 brands, is a national vice-ministerial unit.

The predecessor of the company was the original Chinese People's Insurance Company, which was established in 1949, and was divided into China Insurance Life Insurance **** in 1996, and changed its name to Chinese Life Insurance Company in 1999. In 2003, with the approval of *** and the China Insurance Regulatory Commission, the original Chinese Life Insurance Company was restructured and changed to Chinese Life Insurance Company.

How much can I get back Chinese life insurance surrender? Paid 200,000, you buy Chinese life insurance, if you want to surrender the insurance, as for how much money can be refunded, it depends on the contract provisions, because the insurance company has many contracts, ordinary people are difficult to understand, so it is also impossible to calculate the best result is that 200,000 are returned to you.