I bought Xinhua Insurance Participating Insurance, how much can I get back after five years?

First, it is best not to surrender the policy, which is the biggest harm to the customer. Second, surrender is generally a return of the cash value of the policy.

The cash value table is in the contract. The insurance shall refund one-third of the cash value of the insured value.

But what is more embarrassing is that you will lose some money if you surrender the policy, and if you continue to pay, you will lose even more money. Losing ground, this insurance has become a hot potato, and it is not appropriate to deal with it.

The main reasons for surrender are as follows.

1.Too expensive to buy According to the Bureau of Statistics, the per capita monthly income last year was 2,561, the median.

2210, which means that half of the people in the country earn less than 2210 a month, which is a lot less than we thought. However, for 90% of the insurance products on the market today, their premiums are usually several times the monthly income of the vast majority of the population.

2.The amount of coverage purchased.

Too low There are two ways for ordinary people to resist major risks: save money or buy insurance. A serious illness, such as cancer, heart disease.

Wait for a few years, spend hundreds of thousands, and recuperate during the period, with no income. If ordinary families want to save enough of these hundreds of thousands in advance to prevent risks, 90% of families can't do it, but spending a little money every year, buying an insurance, and directly paying hundreds of thousands of dollars when encountering a serious illness can fully support us through these gloomy years. However, it is a pity that the vast majority of people buy the amount of insurance is too low, 50,000.1 million, which is difficult to play a role when the risk comes.

3.The protection is too poor, and there are "pits" in the terms For people who buy insurance, I am afraid that the most unacceptable thing is to pay for decades of hard work and rules, and finally tell him that there is no clause in the insurance and no compensation. However, as many people think, the insurance clause is a "play on words", and a few words can make the difference between "pay" or "no pay".

If you are unfortunate enough to buy an unsuitable product, there is an obvious flaw in the terms. Well, we have to retreat as well.

If the surrender is confirmed, the surrender process is as follows: 1. Submit a surrender application to the insurance company by calling customer service** or going to the counter of the outlet, explaining the reason for surrender and the surrender time. 2. After reviewing the surrender application, the insurance company will issue a surrender approval and withdraw the policy at the same time. 3. According to the requirements of the insurance company, the surrender person shall hold the surrender approval form and ID card.

Go to the insurance company to get a refund of the premium.

There are many unreliable insurance businesses in this kind of insurance business, and you can ask the insurance company directly.

Hello, the participating insurance of Xinhua Insurance does not support surrender, it has been paid for five years, it is recommended to continue to pay in accordance with the insurance contract, and the loss of surrender is relatively large.

Xinhua Insurance has paid for 5 years, and the only thing that can be returned is the cash value. For example, Ms. Liang bought a Xinhua insurance company and paid a premium of 3,000 yuan a year, paying a total of 15,000 yuan.

However, when the sixth year payment period was approaching, Ms. Liang decided that the Xinhua insurance she had insured could not meet her current needs, so she submitted a surrender application to the insurance company. The insurance company returned 3,680 yuan to Ms. Liang as agreed.

Extended information: Xinhua is a long-established insurance company, the company's main business includes life insurance, health insurance and accident insurance and other life insurance business, and most of the products currently sold are also this type of insurance. If you want to know more about New China Insurance, you can take a look at the following information:

Xinhua is a well-known insurance company in China, the company is large-scale, with many branch outlets. The company mainly deals in annuity insurance, critical illness insurance and life insurance.

To get to know the company better, you need to know what the company's products are. Except for some problems with individual products, the products of Xinhua Insurance Company are all okay.

Healthy C1 has the following advantages:

1. Additional benefits: Those diagnosed with critical illness in the previous 10 years and those who died in the first 10 years can get an additional 20% benefit.

2. Those who suffer from 6 specific critical illnesses, such as brain cancer, can also receive an additional 20% compensation.

And its disadvantages are:

1. The content of the guarantee is average, but it is very high and not very cost-effective. With a premium of about 10,000 yuan, I can buy several single-claim critical illness insurance.

2. The amount of compensation for mild illness is too small. Most critical illness insurance plans can pay out more than 30% for minor illnesses. It cost more than 10,000 yuan, but the compensation ratio for mild diseases is not as high as other cheap products, so it is really not worth it.

Pros:1Cancer multiple claims: Cancer can be paid up to 3 times, the incidence of cancer is high, and the ** rate is also high, so it is beneficial for consumers to increase multiple claims for cancer.

2.High brand awareness: Xinhua Insurance is one of the old insurance companies, and its branch service outlets are also relatively well-known.

3.The maximum number of claims for minor illness is 22, which is really amazing.

Cons: 1Age limit for claims: Critical illness can only be paid multiple times before the insured person reaches the age of 85.

2.Cancer payouts are strict: two cancers must be separated by 5 years, and the previous cancer must be in complete clinical remission,** and spread to be paid; Cancer and fourth group of organ-related critical illnesses also need to be paid with an interval of 5 years, which is a relatively long interval.

3.High exemption threshold: The premium can only be waived when the cumulative claim amount reaches the basic sum assured, which is much higher than the product that can be waived after paying for a minor illness or critical illness once.

Generally, you can refund 60% or 80%, because these things are signed with a formal contract, and it is impossible to return all of them if you want to return the money.

New China Insurance can be surrendered in full under one of the following circumstances:

1. If the policyholder finds that the salesman has substituted for signing the insurance contract with the salesman of Xinhua Insurance Company, he can retain the evidence and apply to the insurance company for a full refund. Because only the policyholder himself signs the insurance contract to have legal effect, any other form of signature is not standardized. Signing on behalf of the policyholder is also one of the irregularities expressly prohibited by the Insurance Law, in which case the policyholder is advised to keep the evidence before surrendering the policy.

2. The insurance purchased is within the hesitation period. If the policyholder is still within the scope of the cooling-off period, it is generally 10-15 days. Then the policyholder can make full use of this period of surrender and submit a surrender application to the insurance company.

The insurance company will refund the entire premium upon receipt of the policyholder's surrender application.

Extended information: 1. New China Insurance surrender can be handled online.

1. Surrender of the Mini Program. Policyholders can first pull down to enter the mini program interface on the main interface of WeChat on their mobile phones, and then search for New China Insurance in the search bar and click on it. After entering the Mini Program to authorize and log in, find "My - Personal Center - My Policy" in the rightmost menu bar.

Then select the policy you want to surrender in "My Policies", fill in the surrender application, and submit it for review.

2. Surrender on the official website. The policyholder first searches for the official ** of Xinhua Insurance on the search engine, and clicks to enter the service hall on the homepage. Then find the self-service surrender in the service hall, fill in the reason for surrender truthfully on the policy details page of the policy you need to surrender**, and click "Confirm Surrender".

2. Surrender can be divided into hesitation period surrender and normal surrender.

1. Surrender during the cooling-off period refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

2. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

Summary. Hello, you have paid Xinhua Insurance for 7 years, and if you want to surrender the policy, you can refund about 70% of the principal.

You can tell me how many years you need to pay for the insurance period and how much the premium is for each period, and I will calculate it for you.

I have paid Xinhua Insurance for 7 years, how much can I refund if I want to surrender the policy?

Hello, you have paid Xinhua Insurance for 7 years, and if you want to surrender the policy, you can refund about 70% of the principal. You can tell me how many years you need to pay for the insurance period and how much the premium is for each period, and I will calculate it for you.

20 years, 2000 a year.

Pro, pay 2,000 yuan a year, you need to pay for 20 years, you have paid 14,000 yuan, so that the surrender is about 4,000 yuan. Early surrender of the policy will result in a significant loss of principal. I recommend that you think about it carefully.

The specific amount of refund depends on which kind of insurance is bought, and generally depends on the cash value of the policy, which can be about 50%. It is recommended that you bring your policy and ID card to the insurance company's counter to apply for it, and the amount handled at the counter shall prevail.

Extended information: Insurance is a Chinese word, pinyin is bǎoxiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

The large categories are classified according to the scope of insurance coverage, and the small categories are classified according to the type of insurance subject.

According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability insurance, and credit guarantee insurance.

The subject of insurance is the subject of the insurance contract, which only includes the policyholder and the insurer. The insured, beneficiary, and the owner of the policy, unless the policyholder is.

The same person, otherwise, is not the subject of insurance.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. The policyholder can be a natural person or a legal person, but must have civil capacity.

Insurer, insurer is also called"Insurers"It refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money. In China, there are two forms: joint-stock **** and wholly state-owned company. The insurer is a legal person, and an individual citizen cannot act as an insurer.

The insured refers to the person who, according to the insurance contract, has the right to claim insurance money after the occurrence of an insured accident and whose property interests or personal life are protected by the insurance contract. The policyholder is often the insured at the same time.

The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to have the right to claim insurance money, and the policyholder and the insured can be the beneficiary. If the policyholder or insured person does not designate a beneficiary, his legal heirs are the beneficiaries.

The owner of the policy, the person who has the ownership of the insurance interest, is often the policyholder, the beneficiary, or the assignee of the policy.

I've been paying Xinhua Insurance for three years, and I want to refund how much money I advise you not to refund It's okay to refund regardless of how much money you have, you see that you pay the line, and I won't give you that money on the first day of junior high I have such experience.

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

Caution should be exercised when surrendering the policy after the cooling-off period. The specific loss depends on the cash value table of the insurance you purchased, and the cash value of the year is the cash value of the year you pay for a few years, which is the money you get back from surrendering.

Questions. More than 4,000 per year, 12,000 in three years, how much can be refunded?

You can take a look at the policy.

The policy shows the surrender amount, but there is a handling fee for two years.

Questions. So how can you get a little back?

If you don't know much about this aspect, we have a one-on-one expert consultant to interpret the policy for you free of charge.

This depends on the terms, you can stay at your convenience**, our professional insurance specialist can give you guidance.

Is it convenient for you to leave your mobile phone number? (Please separate the mobile phone number with a comma, e.g. Mr. Wang 182, 1234, 1234).

Questions. No charges?

Yes. It's free, and you can ask any questions you have about insurance.

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As long as you buy insurance, it is difficult to return it, and you can't even get half of the capital if you return it.

About 50% of the refund can be made, the cash value of each policy is different, and the specific refund can be found in the cash value table in the policy.

The surrender process of New China Insurance after 5 years is as follows:

1. Apply to the insurance company for surrender and be informed of the materials required for surrender;

2. The policyholder should bring the surrender materials and go to Xinhua Insurance Company to go through the surrender procedures;

3. The staff of Xinhua Insurance Company will assist in the surrender procedures, usually ** the policy, and give the policyholder a surrender guarantee;

4. The insurance company will pay the surrender money into the bank account provided by the policyholder within the agreed time.

After the insurance contract is signed, the parties may terminate the contract by agreement or in accordance with the laws and regulations of the country. In most forms of non-life term insurance policies, there is generally a clause for cancellation of the insurance policy, which sets out the conditions under which either party may cancel the insurance policy before it expires, so as to protect their respective interests from unreasonable prejudice caused by the termination of the insurance contract. Either party must give notice to the other party within a certain period of time before the cancellation is requested, and the insurance contract will not lapse until the expiration of the period.

After the cancellation of the policy, the corresponding insurance premium must be refunded. If the policy is not in force, the insured can in principle recover the full premium, but the insurer is also entitled to charge a minimum premium, or a handling fee.