Dividend paying insurance, paid for five years, paid over. If you have an emergency, how much can yo

Participating insurance premiums are refunded at cash value at the end of the premium payment period.

Refund 5000 * 3 = 15000 according to less than 30%, about more than 4000.

That's because customers don't know these two characteristics of Fu Dividend Insurance:

Clause. 1. The dividends of participating insurance products are unknown to the experience of insurance companies.

Second, the dividend pool is not transparent.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

Extended Materials. 1) Full surrender.

Generally, these conditions can be surrendered in full:

1.Surrender during the cooling-off period.

Generally, there is a hesitation period for buying insurance, and the surrender of the insurance within the hesitation period is to return the premium in full, only deducting about 10 yuan of the cost of work, usually the hesitation period is calculated after the contract receipt is signed, generally speaking, it is 10-15 days, and the contract will be written.

2.It is signed.

Because some salesmen do not operate in a standardized manner, the insurance contract is signed on behalf of the company, and a full refund can be applied for in this case.

3.There is evidence.

If it can be proved that the ** person violated the operation or deceived the consumer, the full premium can also be refunded by applying for surrender.

2) Return the cash value.

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

The cash value of the policy can be calculated in this way just by looking at the contract or by asking the customer service of the insurance company.

3) Return cash value + dividends.

The cash value has been mentioned above, and here we will talk about dividends. Dividends are generally divided into two parts, one part is the agreed fixed payment to the customer's insurance money, and the other part is related to the insurance company's operation, this part is the dividend, there is no fixed value.

Many people don't know what to buy insurance for when they buy insurance, they just think that they have a protection when they buy insurance, and it doesn't matter if it's suitable for themselves. But after really signing the insurance contract, I was worried when I paid the premium every year, and after paying for a few years, I found that this insurance was not very suitable for myself, so I thought about surrendering the policy, but after the hesitation period, it was really not suitable to return the premium, the premium for three years was 15,000, and it was estimated that it would be three or four thousand yuan if I returned, and the loss was very large.

Moreover, most participating insurance plans can only refund the cash value and dividends of the policy if they want to surrender the policy in the middle of the policy. The cash value of the policy is the value of the insurance contract with savings, and when the policyholder wants to finalize the contract, the policyholder can get the savings fund for the previous premiums and interest, and also deduct various costs of the insurance company.

If you have paid for three years, because of other reasons do not want to continue to pay the premium, want to surrender the policy is very cost-effective, if the policyholder is because of financial constraints can use the policy loan, some participating insurance can be policy loan, according to 80% of the premium loan. If you feel that the insurance you have chosen before is not suitable and the expected benefits are not as much as expected, then consider taking out a short-term insurance to avoid causing more losses.

If you want to surrender the policy after paying the premium for three years, it is obvious that the best surrender time has passed, if you surrender the policy within the cooling-off period, you can get a full refund, and once you want to refund after the cooling-off period, you can only refund the cash value of the policy. If the policyholder does not sign the contract because of the insurance salesman's violation when the contract is signed, or there is evidence to prove that it was the first person who violated the rules or coaxed the policyholder, both of which can be fully refunded. In short, if you surrender the premium for three years, you will definitely lose a lot of money, and the loss caused by the policyholder needs to bear it yourself, so it is best to think clearly.

You can probably get a refund of 5,000 yuan. However, such standards are not fixed, and they should also be judged according to the actual situation, and they should communicate with the other party in a timely manner.

Generally, only a small amount of money can be refunded, and most of such insurance is not very reliable, and only a small part of the money can be refunded when surrendered.

You can't get much back, you can look at the contract, the contract has a cash value on it, and the refund is this amount.

Summary. How much can you refund the surrender of participating insurance, you can take a detailed look at the policy signed in the year, the insurance value of each year on the policy will be written, 10 years has a value of 10 years, you can refund in accordance with the provisions of the policy contract, refund, and go through the refund procedures.

How much can I get back when I surrender the participating insuranceThe participating insurance I bought for my son has been paid for ten years, and I want to return it, how much can I get back?

How much can you refund the surrender of participating insurance, you can take a detailed look at the policy signed in the year, the insurance value of each year on the policy will be written, 10 years has a value of 10 years, you can refund in accordance with the provisions of the policy contract, refund, and go through the refund procedures.

Can you help me see if that is the insured value.

Your insurance policy already states that the 10-year insured value is: In other words, you can return the yuan. Good.

In order to better preserve the value of their assets or better safeguard their own interests, many people will choose to buy insurance, and participating insurance is also a very popular type of insurance among consumers in the market, such as 5-year participating insurance, many people will choose to buy, so how to promote it after the insurance purchase is completed?

The non-risk characteristics can be said to be very obvious, that is, the policyholder can enjoy the protection of insurance, and at the same time can enjoy different degrees of dividends, so in this case, not only can play the effect of insurance, but also can obtain a certain amount of financial management Because of this, it has attracted the attention of many consumers, but there are many problems that need special attention when distributing dividends.

When many consumers buy insurance, there will be a very big worry, that is, the fulfillment ratio of dividends is relatively low, and even many insurance companies do not pay dividends, and the pool of dividends is not transparent, so in this case, it is easy to have contradictions and disputes, and even complaints.

Generally speaking, if the purchased insurance brand is relatively large, generally after the contract is completed, the insurance company will directly return the dividends and the corresponding principal to the buyer's bank card, so in this case, we do not need to deliberately operate to achieve the surrender.

However, the insurance we purchased does not arrive at the time to surrender, or some insurance companies have relatively strict requirements, then it is necessary to terminate the contract with the insurance company, and the requirements and procedures for surrender must be obtained from the written consent of the policyholder, and the policyholder clearly states that the surrender funds will be received by whom, and the bank will be determined.

Through the above understanding, we can find that the requirements of different insurance companies are also very different, so we must understand clearly before buying insurance before making a decision.

First, check the accumulated dividend amount of the policy and the cash you can get from surrendering the policy, and then find out the maximum loan amount of the policy for five years, and the premium payment period has also expired.

Because it is fully purchased, it is very easy to surrender the policy, just take all the documents, bank passbook, ID card, and go to the insurance company to surrender the policy.

Mr. Wang's comment is wrong, what is the guarantee of loss by the insurance company. Out of context, such a simple question has a contract, according to the contract, legal. Otherwise, it would be a breach of contract. You say it's legal or not.

You can take some contracts and go to the place where you pay your insurance, and ask the staff to help you deal with it, and they will tell you all the processes.

Call the insurance company**