I bought Taikang Life Insurance for 3,880 yuan a year for four years, and now I want to return how m

Buy Taikang life insurance for four years, 3,880 yuan per year, if you apply for surrender, it is considered to be surrendered outside the hesitation period, and the insurance company generally refunds the cash value at this time. Therefore, you can check what is the cash value corresponding to the fourth policy year of the contract cash value table, which is generally the money we can get when we surrender the policy at this time. For other knowledge points about surrender, you can continue to understand through this article:

What are the details to pay attention to when surrendering an insurance policy?

You can call Taikang Life customer service**95522 to inquire about the surrender amount. Personally, I think that since I have been paying for four years, I should continue to pay. Because there will be a loss in early surrender. More protection, more peace of mind! Choose wisely!

In this case, of course, you can surrender the policy, but if you surrender the policy, part of the money you paid may be deducted, so it is not possible to refund it in full.

If the insurance you paid now affects the surrender of the policy, you can contact the insurance company, but you will lose a lot of money.

Kangtai Life Insurance is wholeheartedly, if one person pays more than 8,000, if it is only paid for two years, it is possible to withdraw after charging a handling fee, and at most you can get about 10,000 yuan.

Taikang Life has devoted itself to more than 8,000 a year, and has paid for two years, how much can I return if I surrender the policy now? This is going to see if people are willing to give you a surrender? It's not that you can surrender the policy if you want to, but you have to discuss it.

Now there may be a lot of harsh requirements when you buy social security, first of all, you must understand the process of social security, my creditworthiness, as for whether to return or not, only the social security company has the right to interpret.

For this kind of insurance surrender, you had better ask the manager who handled the insurance for you at that time.

If you want to continue to pay the insurance, it is cost-effective, if you surrender the insurance, you will generally return, this is. If you refund one or two thousand yuan, you can't talk about it!

Taikang Life Insurance will lose a lot of money if you surrender this insurance after two years, and you will be able to return 60% of the principal.

Well, if you want to surrender the policy, you should contact the staff of Taikang Life in time, and then apply for surrender.

Kangtai Life's wholehearted insurance is a full-service that provides us with a full range of services** Relatively expensive.

Kangtai Life is wholeheartedly more than 8,000 years old, and it has been paid for two years, can it be refunded now? Well, Kangtai Life Insurance is still very authoritative, and paying 8000 a year is not considered to be an extra two years of payment, and now I want to surrender the policy.

Since the insurance has been paid, it should not be refundable, you can ask the insurance company about this matter, and it is definitely not allowed to be refunded casually after paying for two years, unless you have a special reason.

If you surrender the policy now, you can provide a lot, so you should consider it properly.

It is estimated that there is not much to refund now, because you have already paid the insurance, and this insurance cannot be refunded casually, unless you say a proper reason.

If Taikang Life Insurance is wholeheartedly 8,000 yuan a year, if you reach 18, you can return the policy.

Taikang Life's insurance pays more than 8,000 a year, and if you want to surrender the policy, you may return very little.

In the case of insurance, if you surrender the insurance after only one or two years, you may lose a large part of your funds.

I paid more than two years for playing and studying in the town of Thailand, and how much can I get back when I retire now? A refund of about 3,000 to 4,000, a dollar.

If you want to surrender Taikang Life Insurance, you need to divide it into several situations. If the policy is surrendered during the cooling-off period, the entire sum insured paid will be refunded after deducting the cost of production, but if the policy is surrendered after the cooling-off period, the cash value can only be refunded, and the cash value can be seen on the policy, and how much cash value can be refunded after paying the premium for several years. There is also the surrender of the insurance that has been paid for a full number of years, although the surrender is also the cash value, but it may be relatively higher, but then again, if it can be paid, there is no need to think about surrendering.

1. The surrender of the policy during the cooling-off period can be fully refunded. Insurance is a very important thing, it may involve our payment for a long time, so the insurance also has a hesitation period of about 20 days, during the hesitation period, we surrender the insurance can refund the premiums we paid, of course, the insurance company also has a certain investment, such as labor investment, policy investment, etc., so they will deduct the cost of work, and then refund the premium paid by the customer.

2. Surrender after the cooling-off period. But if it is surrendered after the hesitation period, it is not cost-effective, because after the hesitation period, you can only return a small amount of cash value, the cash value can also be seen on the policy, the corresponding cash value is different every year, we can look for our own policy to see. According to your actual situation, see how much money you can refund.

In general, it is not recommended to surrender the policy, of course, if there is a better alternative, then it is also possible to stop the loss in time.

3. Be cautious when buying insurance. As people pay more attention to future risks, more and more people are choosing to buy insurance to transfer possible future risks. However, we must be cautious when buying insurance, according to our actual situation, combined with our own economic situation, only in this way to buy insurance, we can also reduce the risk of surrender that may occur in the future.

1. You are enough to buy Taikang Life.

If you want to apply for surrender, there are generally two situations: the hesitation period.

Surrender within and after cooling-off period.

1. Surrender the policy during the hesitation period.

If the purchased product is still within the cooling-off period, there is almost no loss in surrendering at this time. Because most insurance terms have stipulations: surrender the policy during the hesitation period, generally deduct the cost of 10 yuan or directly do not deduct the fee.

2. Surrender the policy after the cooling-off period.

Once the policy is surrendered beyond the cooling-off period, there will be a loss in surrendering the policy, which means that you will lose money. Because surrender is not a surrender premium, but a cash value.

What is Cash Value:

Cash value refers to the amount of surrender money in a life insurance policy. In the life insurance with a long insurance period, the insurer needs to deposit a certain amount of liability reserves, when the insured terminates or surrenders the policy for any reason during the insurance period, the insurance company will deduct a certain amount of surrender and termination fees from the liability reserve in accordance with the regulations, and then return the balance to the insured or the policyholder as a surrender payment, and this is the cash value of the policy at the time of surrender and termination. For a long time, the cash value is less than the premium paid, so after the hesitation period, the cash value can only be refunded, which will cause a lot of losses.

3. Reduction payment: If you can't pay normally when the policy is valid, but you don't want to surrender the policy, then put the sum insured.

reduced, the policy continues to be in force.

Of course, not all insurance products have the function of reducing the amount of payment, and you need to ask the insurance company yourself.

Second, if you really want to surrender the policy, please think again:

1.Why did you buy it in the first place?

2.Does your current physical condition meet the health notice when buying a new product?

Everyone knows that before applying for insurance, health information is required. Therefore, health status is the most important factor when considering surrender, and it must be fully valued. In the future, if your health deteriorates and there are abnormalities in the physical examination, you may not be able to pass the health notice and be unable to successfully apply for insurance when you buy new products in the future.

If the current health condition does not allow the purchase of new products, then the operation of surrendering the policy should be cautious!

2.Changing to a new product also requires a recalculation of the observation period, such as critical illness insurance.

Most have a 90-day waiting period and even 180 days. If the policy is surrendered, the waiting period will be recalculated. If the insurance occurs during the observation period, it will not be able to be claimed.

3.Insurance generally means that the older you get, the more expensive the premium. If the policy is surrendered simply because the premium is too expensive, calculate the difference between the new premium and the original premium before making a decision.

3. Finally, no matter what the reason, you must be cautious when surrendering! Careful! Analyze the pros and cons before making a decision!

Only 70% can be refunded, because the corresponding handling fee and labor costs will be deducted at the time of surrender, so it is impossible to return all of them.

If you have already purchased Taikang life insurance, you will definitely get less than 50% back at this time, or you may get less back, because you will lose a lot at this time.

This is uncertain, because the amount of insurance paid by each person is different, and it can be refunded about 40%.

If you want to surrender the policy, the refund amount is not very large, because this is determined according to the amount of insurance paid.

4 years has exceeded the hesitation period, so usually the surrender of the policy will deduct about 20%-30% of the principal, and a little higher will deduct 50%-80%, and the minimum surrender will be 2880 yuan. If you want to surrender the policy, you should choose to surrender the policy during the cooling-off period, so that there will be no loss, if you are determined to surrender the policy, it is recommended not to deposit money in the card where the premium is paid, and the remaining money will be withdrawn first to avoid being deducted before the surrender is successful.

Extended information: First, the development model of domestic insurance companies is becoming more and more mature, although new insurance companies continue to emerge, but the status of insurance companies such as Ping An, Pacific and Chinese Life in the domestic insurance industry is still unshakable. These established insurance companies have not only expanded their development scale, but also improved the loyalty of their users, and the industry has obvious competitive advantages.

Despite this, some insurance companies are also constantly strengthening their own strength and gaining a firm foothold in the insurance industry, and Taikang Life Insurance is one of them.

2. Analysis of the strength of Taikang Life Insurance Company.

1. Taikang Life Insurance Group is affiliated to Taikang Insurance Group, founded in 1996, headquartered in Beijing, after years of development, Taikang Life Insurance has formed its own development model and insurance service system, and the company's strength is also expanding. It is reported that Taikang Life Insurance began to be ranked among the world's top 500 companies in 2018 and again among the world's top 500 companies in 2019, and the company's strength has been recognized. According to the official data of Taikang Life, the current assets under management of Taikang Life Insurance exceed 1.4 trillion yuan.

2. The strong economic strength has guaranteed the solvency of Taikang Life, and users can purchase insurance products through Taikang Life without worrying about follow-up service problems or the stability of Taikang Life. Judging from the current development trend of Taikang Life, the future development is promising, and it will develop and grow in a more positive direction.

3. Analysis of the quality of Taikang Life Insurance.

1. Taikang Life Insurance has a variety of product types, although Taikang Life Insurance is positioned as a life insurance company, but the types of insurance involved in it are diversified and diversified, for example, life insurance, medical insurance, critical illness insurance, accident insurance, etc., which users are more familiar with, Taikang Life Insurance is involved. In addition to the flexible choice of insurance product types, the quality of Taikang Life Insurance itself is also relatively good.

2. For example, Taikang Yuexiang Global High-end Medical Insurance launched by Taikang Life Insurance for users is a medical insurance product for high-net-worth individuals. This product has the characteristics of high insurance amount, comprehensive protection, wide insurance area and many choices.

3. Different from other similar products, the insurance products launched by Taikang Life Insurance can often provide precise protection for the underwriting population, and Taikang Life puts the product protection responsibility in the first place, does not engage in gimmicks, and pays attention to quality. Taikang Yuexiang Global High-end Medical Insurance aims at the noble needs of high-end people, increases the insurance amount to 15 million yuan, and not only meets the needs of high-end people, but also provides convenient products and services, from protection responsibilities to value-added services, so that users feel value for money after purchasing products, and can return insurance to the end of protection.

The insurance can only be refunded according to the cash value list corresponding to the annual cash value on the contract, and you can probably know it by looking at the current price list. This kind of wealth management product has a large surrender loss, so think about it carefully. If you don't have money for the time being, you can not pay it, and you can reinstate it when you have money.

If you don't care about the loss, you can surrender the policy at any time.

Surrender is based on the cash value in the insurance contract. After 4 years of payment, you can find the corresponding number of "Policy Year" 4 on the cash value table page in the insurance contract to be returned to you.

It is recommended not to surrender the policy, not only will there be a loss if you surrender the policy, but the important thing is that once the policy is surrendered, there is no protection.

I have paid Taikang Life Insurance for four years, and now I want to surrender it. If you will pay a lot of losses, it is not recommended to surrender the policy. It is best not to lose money until the expiration of the insurance period.

Buying insurance has become a favorite thing for many people, but many people regret it after buying insurance, because everyone feels that this insurance is not suitable for them, so it is recommended that everyone surrender the insurance. On the Internet, I saw that some netizens reflected such a question, I bought insurance in Taikang Life Insurance for five years, and now I want to surrender the policy, how should I return it?

Surrender is the legitimate rights and interests of the customer, the insurance company can not refuse to go through the corresponding procedures for the customer because the customer surrenders, then this behavior is definitely incorrect, so you can also surrender the insurance, no matter how long you have paid the insurance can be surrendered, you can contact the corresponding personnel of Taikang Life Insurance Company in advance, tell the customer service staff that you want to surrender, and then consult the corresponding procedures, and follow the procedures on the line.

You can consult the staff of Taikang Life Insurance, and then he will give you a surrender application, or you can also go to the official website of Taikang Life Insurance to print a copy, and then fill in the details clearly, submit your personal information and insurance policy, and then hand over all these materials to the corresponding responsible person, then the insurance company will have a professional department to review the surrender statement submitted by the applicant, and this review includes the name of the surrender person and the time and reason for the surrenderAfter the review is passed, the parties will be notified, and the parties will go to the counter to sign and confirm, and then the money will be transferred to the customer's account.

However, now that you have bought insurance for five years in Taikang Life, in fact, you feel that it is very uncost-effective to surrender the policy at this time, if you surrender the policy during the hesitation period, then the insurance company will refund the full amount, but at this time you will definitely not be able to get all the money, and you also feel that the surrender of the money is very small, so it is really not cost-effective.