How to surrender the insurance policy just handled?

Generally, there will be a period of hesitation period for insurance, depending on the contract signed at that time, and there is no reason to refund without a hesitation period. The purpose of the insurance cooling-off period is to prevent some moral hazard and to protect the rights and interests of the policyholder. There is generally no loss when the policy is surrendered during the cooling-off period.

Generally speaking, commercial insurance will set up a cooling-off period, and the surrender of the cooling-off period is basically no loss, and the refund will be made according to the premium. Some companies will deduct 10 yuan to 15 yuan of production cost if you surrender the policy during the cooling-off period. For long-term insurance products such as life insurance, critical illness insurance, and annuity insurance, the hesitation period is 10 days, 15 days, and 20 days, which are natural days, not working days.

Mostly on the 15th.

However, compared with long-term insurance, many short-term insurance types actually have a non-destructive surrender time, but unlike long-term insurance, this time is rarely written in the contract, usually written in the insurance instructions.

The insurance hesitation period, also known as the cooling-off period, is a period of time after the policyholder receives the insurance contract and signs for it in writing, during which the policyholder can apply for the termination of the insurance contract, and the insurer will refund the insurance premium paid after deducting the production cost. Generally 10 days.

The China Insurance Regulatory Commission stipulates that if the policy is surrendered during the cooling-off period, the insurance company shall refund all the premiums paid by the policyholder after deducting the cost of not more than 10 yuan, and shall not charge any other fees. If the insured has already undergone a free medical examination with the insurance company at the time of application, the corresponding medical examination fee shall be deducted; For investment-linked products, if the value of the assets of the segregated account changes during the cooling-off period, the insurance company can only deduct the decrease in the value of the policyholder's assets and the cost of realizing the assets, but cannot deduct the commission and management fees incurred in the sale of the policy.

If you surrender the policy during the cooling-off period, you must pay attention to the following points: First, if you cannot receive the policy in time due to special circumstances, it is best to notify the insurance company in advance. Secondly, after receiving the insurance policy, be sure to fill out the policy receipt in person and indicate the date.

This is because the insurance company's determination of the cooling-off period is calculated based on the date of receipt. Finally, in case of surrender, the policyholder does not need any reason, but must apply to the insurance company in writing, and the verbal request is invalid.

Open the page where you purchased the product and click on the consultation.

<> click on how to surrender the policy.

Then click on the product you purchased.

Finally, there will be a surrender method.

Since it is underwritten by different insurance companies, the surrender method of each insurance in it is different, so be sure to choose the product you purchased and then follow the prompts to surrender

Hello, this is just handled insurance, there is a 15-day hesitation period, you can call the insurance company you purchased to surrender the policy.

Du Xiaoman insurance is a big **.

I want to surrender my policy and I don't have a job now.

1. What is Du Xiaoman insurance?

Du Xiaoman Insurance is a sales platform, but the surrender still needs to be surrendered to the insurance company, and how to surrender the insurance also needs to pay attention to which insurance company's product.

You can first check the policy, call the official customer service of the insurance company, inquire about the specific surrender measures, and then you can operate the deinsurance.

However, there is a loss in surrendering, and you need to contact a professional broker to analyze before deciding whether to surrender the policy.

2. Issues that need to be paid attention to when surrendering the policy.

1. Pay attention to the reasons for surrender. First of all, it is necessary to clarify why you are not satisfied with the insurance product, and whether it is possible to achieve expectations by optimizing the overall plan, rather than using the method of surrender, which is more costly and risky.

2. Pay attention to the follow-up insurance plan. If you make up your mind to surrender, then you should carefully consider whether you have bought the backup insurance, and after the waiting period, if you do not make any preparations to surrender the insurance, it will lead to the emergence of a risk gap, in this case, it is not recommended to surrender the policy directly.

3. Pay attention to the losses and psychological expectations caused by surrender. The surrenderer needs to calculate and accept the loss caused by the surrender of the policy, the cash value of the surrender is very different from the premium paid, understand the loss of surrender, and feel that it is safer and more appropriate to replace the policy or deal with it in other ways.

In fact, when we buy insurance, we will find that there is a hesitation period, but after the hesitation period, if we surrender the policy, we will cause a certain loss, and we can only get back the cash value of the policy.

In addition, there are also channel costs, labor costs, operating costs, etc., which insurance companies will pay commissions to sales channels (such as **merchants, online channels, etc.).

Since operating costs are generally deducted in the first two years, the sooner the policy is surrendered, the more money will be deducted.

Finally, there is something to say:

To sum up, under the condition of considering the above three points, after making relevant analysis and decisions with a professional broker, you can find the insurance company's ** through the sales platform of Du Xiaoman, contact the relevant customer service, and say the requirements to further surrender the policy, but be cautious in surrendering.

If you have taken out the insurance, you will have a 20-day consideration period and you can get a full refund.

The expiration date of each insurance company is different.

If the hesitation period is exceeded, it can only be followed.

The cash value of the policy is refunded.

It is not cost-effective to have a large surrender loss.

Generally, it is not advisable to surrender the policy carefully.

You can find out more about the terms and conditions of the policy.

I am considering whether to surrender the policy.

All insurances have a cooling-off period after purchase, and the hesitation period is inconsistent from company to company, subject to the contract, and the surrender during the hesitation period is fully refundable.

If you decide to surrender the policy, you should check the terms and conditions of the insurance contract, which are clearly stated.

How do I surrender the policy?

Regarding the surrender of the policy, you can call the official **95055 of Du Xiaoman Finance, and the customer service staff will assist you to solve it.

1. Surrender the insurance policy and no longer purchase insurance. So how much can you get back when you surrender the policy? The answer to this question depends on the situation and is as follows:

1.Surrender during the cooling-off period.

The hesitation period is generally 10-15 days, and the insurance company will directly surrender all the premiums after deducting the cost of production.

The cooling-off period is mainly set to give the policyholder some time to consider, so that he will not be misled by a momentary sale to purchase insurance that is not suitable for him.

Surrendering the policy during the cooling-off period has almost no loss, and we have considered the need to surrender the policy within this time in time.

2.Surrender after the cooling-off period.

If the policy is surrendered after the cooling-off period, it will be regarded as a normal surrender regardless of whether the cooling-off period has passed for one day, one year or ten years.

The policyholder can submit an application for surrender of the policy, and the insurance company will generally refund the cash value of the policy within 30 days and terminate the insurance contract according to the terms and conditions.

The cash value of the policy is the residual value that can still be obtained if the policy is abandoned, and it is the value of a life insurance policy with a savings nature.

In layman's terms, the cash value of a policy is actually the amount that the insurance company will be able to refund to us when we surrender the policy.

2. Under what circumstances can the policy be surrendered in full?

In addition to the full surrender of the policy during the hesitation period, if there is an illegal operation in the sales process, there is also a chance to surrender the policy in full. Specifically, there are the following situations:

1. The first person is a signatory.

2. There is money back or gifts in the sales process.

3. Exaggerating product benefits and rationale in the sales process.

4. ** person induces or misleads sales, etc.

3. How to surrender the policy correctly?

1.Apply for insurance in advance to shorten the coverage gap.

After we decide to surrender the policy, we must return the old product after the waiting period of the new product.

Many insurance plans will have a waiting period, so it is necessary to make a new protection plan in advance, and try to leave as little protection gap as possible, so that the protection can be seamlessly connected.

Therefore, it is important to re-in-apply for insurance that is truly cost-effective and suitable for you in the shortest possible time.

2.The surrender loss during the hesitation period is small, as mentioned earlier, the surrender during the hesitation period, the insurance company unconditionally refunds the premium paid in full, and there is basically no loss in surrender at this time.

3.Make the most of grace periods.

The grace period refers to the grace period granted by the insurance company to the policyholder for failing to pay the premium on time, which is generally 60 days.

Finally, for people who want to buy insurance, some suggestions, although insurance is a low-risk type of financial management, but also to analyze the risk of various types of insurance when buying, do not blindly insure or trust others, after deciding to buy a certain type of product, it is best not to surrender the policy, where there will always be a loss in surrender, even if it is surrendered during the hesitation period, although it will be refunded in full, but your time and energy are actually lost.

I just messed with me by someone else, I didn't see it, so I want to surrender how to refund, I bought my own medical insurance, so I want to surrender the policy I hope you can understand, thank you.

It is recommended to contact customer service. It is recommended to contact customer service. It is recommended to contact customer service. It is recommended to contact customer service. It is recommended to contact customer service.

If you have taken out the insurance, you will have a 30-day consideration period and you can get a full refund. There is no way to fully refund those who have exceeded the consideration period, because the contract is officially in effect.

I want to surrender the policy without my consent.

The refund will be made in accordance with the terms of the agreement.

Du Xiaoman Insurance is the insurance ** platform under Du Xiao Man Sui Slip Demolition Finance, which is a new type of Internet insurance company, if you want to surrender the insurance policy, you can directly contact the underwriting insurance company for processing. The general process is as follows:

1. First of all, prepare the surrender application form and state the reason for surrender;

2. Secondly, prepare the insurance policy, if the original policy is lost, it needs to be reissued before applying for surrender;

3. Prepare the insurance premium invoice and the identity certificate of the insured, etc.;

4. After preparing the surrender information, hand it over to the insurance salesman, who will handle the surrender procedures on behalf of the salesman.

Hello, it is convenient and easy to borrow money from Du Xiaoman financial platform. Du Xiaoman Finance's credit service products have money to spend, which is the credit brand of Du Xiaoman Finance, providing users with safe and convenient, unsecured and unsecured credit services.

The daily interest rate of consumer loans with money is as low as low, and it has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application conditions for consumer products with money: It is mainly divided into two parts: the requirements for Zheng Ling and the requirements for information.

2. Information requirements: During the application process, you need to provide your second-generation ID card and debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use the temporary ID card, expired ID card, or first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

I also wanted to withdraw from Du Xiaoman insurance, but the customer service read it quickly when it came to surrendering**, and I didn't hear it clearly, so I hung up.

I want to quit Du Xiaoman Insurance Company. I want to withdraw from the insurance company. Policy.

It's not my own operation, I want to withdraw from Du Xiaoman Insurance.

I want to surrender the insurance how to return, just now it is not my own operation, I hope to surrender the insurance.

I also want to surrender the policy, and the staff asked me to buy other insurance to help me surrender the policy.

Exit the degree of Xiaoman, degree of Xiaoman insurance refund.

I want to cancel my insurance policy.

I want to surrender, refund, unsubscribe,

Please buy insurance and insurance policies first

Refund and unsubscribe, how much is the complaint**, and the policy number does not know the money that has been deducted for two months.

I want to refund the Chinese insurance insurance, only pay for three or five days, how to go?

How do I copy it to get back from Du Xiaoman's insurance?

Why can't I get my insurance back?

I surrender the policy, I don't know when I will enter your insurance, and I surrender the policy now.

I want to quit how to withdraw from Xiaoman Insurance.

I want to withdraw from Du Xiaoman insurance, I want a refund.

I also quit the degree of Xiaoman insurance, they don't say.

How can I return and ask that I don't know what kind of insurance this is.

I want to refund the insurance.

How much is the degree of Xiaoman insurance company.

Du Xiaoman insurance is automatically deducted for 1 month, I want to surrender the policy, how to refund?

You should have accidentally clicked on an automatic insurance from an insurance company, hello, I don't want to use it, how can I return it.

Summary. Hello, you can surrender the policy, the hesitation period is not full, not part of the hesitation period.

Hello, you can surrender the policy, the hesitation period is not full, not part of the hesitation period.

Du Xiaoman Insurance is the insurance platform of Du Xiaoman Finance, which belongs to the first batch of Internet innovative insurance companies in China, and cooperates with many well-known domestic insurance institutions such as Huatai Insurance, Sunshine Insurance, Anxin Insurance, Yi'an Insurance, Tongfang Global Life, etc., to launch cost-effective insurance products. Du Xiaoman is just a platform for selling insurance, and services and surrenders are not within its service scope. If you want to surrender the policy, you still have to contact the corresponding insurance company, for example, if you have purchased Du Xiaoman's medical insurance with a million medical insurance, and the insurance company is Huatai Insurance, then the policyholder can call the customer service **4006095509 when you surrender the policy, or there are local insurance company outlets to go directly to the outlets to apply for surrender, and the insurance company will cooperate with the surrender.

The surrender process of Du Xiaoman Insurance is the same as that of general insurance, you can apply for full surrender during the hesitation period, and the cash value of the surrender policy after the hesitation period will usually be lost. Generally, it is not recommended that consumers blindly surrender the policy, and it is best to clarify the reason for surrender and fill in the gaps.