How much can Taikang Life pay after ten years of surrender and pay 100,000?

Taikang Life Insurance Co., Ltd. **** is a national, joint-stock life insurance company established on August 22, 1996 with the approval of the head office of the People's Bank of China, and the company is headquartered in Beijing. For surrender questions, please contact Taikang Life customer service**: 95522.

Summary. Hello, I'm glad to answer for you, Taikang Life I have paid ten years of insurance premiums, I want to withdraw from the termination of the contract how much can be returned: Taikang Life Insurance has paid enough for 10 years to surrender, generally according to the cash value of the policy to surrender, if it is a product with a financial nature, at the time of surrender, the dividends due to the insured will also be returned.

Hello, I'm glad to answer for you, Taikang Life I have paid ten years of insurance premiums, I want to withdraw from the termination of the contract how much can be returned: Taikang Life Insurance has paid enough for 10 years to surrender, generally according to the cash value of the policy to surrender, if it is a product with a financial nature, at the time of surrender, the dividends due to the insured will also be returned.

Critical illness. Insurance.

Taikang Insurance's Critical Illness Insurance Surrender wants to know how much money you can get back, depending on whether you surrender the policy during the cooling-off period or outside the cooling-off period.

If it is within the cooling-off period, the surrender rate is 100%. If the policy is surrendered outside the cooling-off period, the refund will range from 10% to 70% depending on the cash value of the insurance product purchased. For example, Taikang Life Insurance Company's Happy Health 2020, a 30-year-old adult male as an example, the insured amount of 200,000 critical illness insurance will be paid in 30 years, 220 yuan will be returned in the first year, and 19280 will be returned in the 10th year, if it is paid in full, it will take 42 years to return the capital, and it is not cost-effective to surrender the policy early.

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.

Summary. Hello, pay the insurance for 10 years and 30 years, and the insurance can be returned when it expires.

Taikang Life pays 30 for 10 years, when will it be returned?

Hello, pay the insurance for 10 years and 30 years, and the insurance can be returned when it expires.

This kind of insurance can generally be returned 120-150% at that time, that is, there is a part of the interest, and after expiration, you can take the policyholder's ID card and the bank insurance company to collect it in the business hall of the insurance company. Buried erected.

If the policy is surrendered during the period, it can only be refunded the cash value of the corresponding years, for example, after paying for 10 years, it can only be refunded the cash price of the 10th year.

Summary. Kiss! Hello!

Participating insurance can be surrendered after 10 years of surrender of the policy cash value + unclaimed dividends, of which, the cash value of the policy can be obtained by checking the cash value table of the policy, but the dividends can not be determined, so the final specific amount of refund, in fact, should be subject to the calculation of the insurance company. In general:1

If the protection period of participating insurance is 10 years, then after the expiration of 10 years, there is no need to surrender the policy, and the policyholder can receive all dividends and insurance benefits in accordance with the insurance contract; 2.If it is a simple participating insurance with a payment period of 10 years, because its cash value is relatively high, after the 10-year period is completed, the surrender of the policy can generally be withdrawn equivalent to the premium paid; 3.If the participating insurance is attached to a critical illness and the payment period is 10 years, because its cash value is relatively low, the policy will be surrendered after the 10-year payment is completed, and it cannot be withdrawn to be equivalent to the premium paid, that is, the policyholder may need to bear a certain amount of economic losses.

How much money does Taikang participating insurance have been surrendered after 10 years.

Kiss! Hello! Participating insurance can be surrendered after 10 years of surrender of the policy cash value + unclaimed dividends, of which, the cash value of the policy can be obtained by checking the cash value table of the policy, but the dividends can not be determined, so the final specific amount of refund, in fact, should be subject to the calculation of the insurance company.

In general:1If the protection period of participating insurance is 10 years, then after the expiration of 10 years, there is no need to surrender the policy, and the policyholder can receive all dividends and insurance benefits in accordance with the insurance contract; 2.

If it is a simple participating insurance with a payment period of 10 years, because its cash value is relatively high, after the 10-year period is completed, the surrender of the policy can generally be withdrawn equivalent to the premium paid; 3.If the participating insurance is attached to a critical illness and the payment period is 10 years, because its cash value is relatively low, the policy will be surrendered after the 10-year payment is completed, and it cannot be withdrawn to be equivalent to the premium paid, that is, the policyholder may need to bear a certain amount of economic losses.

It is enough to pay for 10 years, and say how old the child is to pay for school and marriage.

Kiss! How much can I get back if I surrender my participating insurance in 10 years? 1.

The recoverable amount of the surrender after 10 years is the cash value of the policy, so this cash value needs to be viewed according to the cash value table attached to the purchase contract. If you directly look at the cash value corresponding to the 10-year column, you can know how much money you can get back in the end and how much you can share. If you really don't know, you can find a professional salesman to calculate it for you, or find a salesman from an insurance company to calculate.

2.Taikang Life participating insurance is generally divided into two parts, one is a fixed insurance for customers, and the other is an insurance that changes according to the company's operating conditions. The second part is mainly dividends, and there is no way to calculate the fixed value, because the operating situation of the insurance company needs to be analyzed in detail.

Summary. Hello, how much can Taikang Insurance return after 4 years of surrender: about 30%, first of all, we bought insurance for four years, it must be long-term insurance, but long-term insurance also includes consumer insurance, savings insurance, dividend products, etc., different types of products, the money he can return is definitely different, because of its cash value, the growth rate is different.

If we buy savings dividend products, the cash value of such products may increase better, and the returns will be more, and we can return about 30%. If it's a consumer product, there are fewer returns. Specifically, you can look at your policy.

There is a cash value table in the policy. Look at the cash value in the fourth year, which is how much money we can get back when we surrender the policy.

Hello, how much can Taikang Insurance surrender after 4 years: about 30%, first of all, we bought insurance for four years, it must be long-term insurance, but long-term insurance also includes consumer insurance, savings insurance, dividend products, etc., different types of products, the money he can return is definitely different, because of its cash rough value, the growth rate is different. If I buy savings dividend products, the cash value of this type of stove stool infiltration product may increase better, and the returns will be more, and the returns can be about 30%.

If it's a consumer product, there are fewer returns. Specifically, you can look at your policy. There is a cash value table in the policy.

Look at the cash value in the fourth year, which is how much money we can get back when we surrender the policy.

How to surrender Taikang InsuranceHow to surrender Taikang Insurance's surrender wants to disturb Sun, begging us to go to the offline business outlets to handle the surrender. First of all, we can call Taikang Insurance's customer service** and ask where the nearest business outlets** are. Then we can take the prepared materials or ask someone to help us go to the business outlet.

The materials that need to be prepared are our personal ID card, bank card surrender application and original insurance policy. If you entrust someone else, you also need to write a power of attorney and the principal's ID card. We apply to the insurance company, and the surrender insurance company will review our information and review it for us.

How to calculate the surrender premium in the cash value table.

Hello, the cash value table is a surrender amount that gives you directly.

No need to calculate.

So how much can we count now?

How much to refund. Hello, only about 30% can be refunded.

That's the total amount we paid for the past four years, and then it's 30 percent.

Hello, right.

If you only pay for a year and want to refund, then you will basically have to deduct nearly half, you pay 10,000 yuan, you can only get 5,320 yuan, and the rest is that the cost and liquidated damages have been deducted. When you sign the insurance contract, it stipulates that once you return the case, you will deduct the liquidated damages and production costs.

Sign the contract. With regard to the signing of a contract, according to the provisions of the law, if a written contract is signed, the contract shall be established when both parties sign or affix their seals, and if the terms of the contract are not equal, it will not affect the formation of the contract, but the contract may be revoked after it is established.

Article 32 of the Contract Law stipulates that if the parties conclude a contract in the form of a written contract, the contract shall be formed when both parties sign or affix their seals.

Article 33 stipulates that [Confirmation and Formation of Contract] If the parties conclude a contract in the form of letters, data, etc., they may request the signing of a confirmation before the contract is concluded. The contract is concluded when the confirmation is signed.

Article 54 stipulates that [voidable contracts] One of the parties has the right to request the court or arbitration institution to modify or revoke the following contracts:

1) Entered into due to a material misunderstanding;

2) It is obviously unfair at the time of the conclusion of the contract.

If one party uses deception or coercion to cause the other party to conclude a contract contrary to its true intentions, the injured party has the right to request a court or arbitration institution to modify or revoke it.

If the parties request a change, the court or arbitration institution shall not revoke it.

2. Types of liability for breach of contract.

1. Liability for breach of contract: Liability for breach of contract refers to the liability of the parties when they fail to perform or do not fully perform the contractual debts

2. Liability for anticipatory breach of contract: The so-called liability for anticipatory breach of contract refers to the liability that one party clearly indicates to the other party that it will not perform its contractual obligations after the contract is validly established and before the performance period agreed in the contract, or the party's own behavior or objective facts imply that it will not be able to perform its contractual obligations according to the contract

3. Liability for negligence in contracting: In the process of concluding a contract, if one party fails to form, invalidate or revoke the contract due to its fault, and the other party suffers a loss of trust interests, the fault party shall bear the responsibility.