What is the impact on me personally when the insurance officer frequently applies for insurance in m

On a case-by-case basis:

Frequent insurance surrender, if the surrender is in the hesitation period, it can be said that it will not affect you, neither on the credit report, nor on the blacklist, nor may it involve money laundering, the hesitation period is only 20 days, and the premium will be refunded as much as the insurance company will go out. If you want to talk about the impact, that is, when you really want to buy the insurance company's products again, the system will check the record of your multiple insurance surrenders, and it may get you stuck, and manually investigate what happened to you before. In real life, we have indeed encountered such customers, ** when surveying, what we got was "I am such a hesitant person, my personality dictates it", and we have nothing to say.

Insurance companies pay more attention to: whether the customer's health status is truthfully informed, whether the economic situation matches the premium, whether the relationship between the insured is legal, etc.;

Frequent insurance surrender, if it is past the hesitation period, the first thing to consider in this case is that there is a loss in surrender, of course, your economic loss here should be borne by the insurance officer who came to you to do this, so you have no actual economic loss. There will be no money laundering involved, the premium of 1,000 yuan will go in and surrender the policy for a period of time, and the refund of two or three hundred yuan or even dozens of yuan will be returned, is there such a money laundering? Wash 1000 yuan into 200 yuan, and the brain is rusty?!

The impact on you is described in Section 1.

What is the impact on me personally if the insurance officer applies for insurance in my name this year and surrenders the policy before the expiration of next year.

Find your policy, there is a page of cash value table, look at the cash value of the fifth year of the corresponding year, it is recommended not to refund.

It is easy to be suspected of money laundering by the People's Bank of China's anti-money laundering investigation.

Instructions for applying for insurance: 1. Determine the legal identity of the insurer to avoid being deceived. When someone knocks on the door to visit or sell insurance, you have the right to ask them to show the relevant certificate printed with the logo of the insurance company or the certificate of the insurance person.

2. Be familiar with insurance responsibilities and do not blindly insure insurance. At present, there are endless types of insurance in the insurance market, and for ordinary people, it is like seeing flowers in a fog in the face of a variety of insurance varieties, and even some people do not know what to understand even after reading the insurance terms several times. Therefore, before you apply for insurance, you must ask the salesman to explain the characteristics and insurance responsibilities of the insurance clauses carefully and in detail, and fully understand the insurance responsibilities listed in the insurance clauses, especially the exemption provisions.

3. The applicable objects of each type of insurance, as well as the level of insurance liability and protection are different, and the limit of the amount of insurance, the level of insurance premiums and the level of payment for each type of insurance are also different.

If you surrender the policy, it will not have any impact on the salesman, so there is no need to worry too much。Some people want to surrender after buying insurance, but they are worried that their surrender behavior may have an impact on the salesman, in fact, you don't have to think so much, I believe that every insurance salesman has encountered a surrender user, and even some of them don't know that the user has surrendered, this is because their commission has already been obtained, and the insurance company is impossible to recover the commission, so for them there is, but it will not be very big.

Users usually have a hesitation period after purchasing insurance, most of which are about 10 to 15 days, and if the policy is surrendered within the hesitation period, the insurance company can basically surrender the policy in full. However, at this time, the salesman's commission has not yet been obtained, at most, he is busy in vain, and it will not have any impact. If the user has exceeded the hesitation period to surrender the policy, the commission salesman has already gotten it, and the insurance company will not recover the salesman's commission because of the user's surrender.

The reason is simple, because the salesman's commission has already been deducted from the premium you paid.

This is equivalent to the salesman's commission is borne by you personally, and the insurance company will not bear this part of the loss. However, if the user surrenders the insurance, the impact on the salesman is not completely absent, and the biggest impact should be that the commission that can be obtained every year is a little less. Because the salesman's commission is composed of the premiums he bills, the user pays the premium every year, and the salesman can get a little commission.

Generally speaking, the first few years of billing are the most, and the follow-up has become less and less, which is basically negligible.

So there is no need to worry about the impact on the salesman, I think you should consider the loss you need to bear after surrendering the policy, after all, the premium is not fully refundable, you need to deduct a part of the cost, and the remaining cash value of the policy can be refunded to the policyholder.

There is an impact, the general insurance company has renewal and continuation rate assessment requirements for the salesman, and if the policy is surrendered, the renewal and continuation rate salesman will be affected.

Expand knowledge: 1. Surrender.

Cancellation of insurance is the cancellation of an insurance policy. 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.

The clause generally provides that either party to the contract 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 end 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.

If the insured cancels the insurance policy in the middle of the validity period of the insurance policy, the insurance premium shall be paid at the prescribed rate, and the insurer shall refund the balance of all insurance premiums after deducting the insurance premiums payable to the insured; If the insurer requests cancellation of the insurance policy, the unexpired portion of the premium shall be refunded to the insured on a daily basis.

2. Types of surrenders.

Surrender during the cooling-off period.

Cooling-off period surrender 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.

Normal surrender. 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. In a long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

The surrender of the insurance will affect the commission and assessment of the salesman. The insurance is an insurance that needs to be paid every year, and the salesman will have a commission every year, but it is less and less every year. If the policy is surrendered during the hesitation period, the salesman's commission will not be obtained, and if the policy is surrendered after one year of purchase, the follow-up commission salesman will be gone.

If the insurance is surrendered halfway, it will affect the continuation rate, which will have a certain impact on the assessment indicators of the salesman.

Surrender insurance will have an impact on the salesman, and the withdrawal of insurance will reduce the salesman's commission, and will also increase the workload of the salesman, and will also affect the performance of the salesman.

There will be an impact, so that the salesman's contribution will be reduced, and then the money will be less.

If the salesman is employed, the commission for selling your insurance will be deducted. If you're not in office anymore, it doesn't matter.

It will indeed have an impact on the salesman, because if you surrender the insurance, he should be regarded as losing a business.

Surrender is the policyholder goes.

The requirements and procedures for handling the cancellation of the insurance are: the qualified person who applies for the surrender of the insurance is the policyholder. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender benefit; If the policyholder applies for surrender of the policy, the insurance company will refund the cash value of the policy after receiving the surrender application.

If the insured has paid the premiums for less than two years, the insurer shall refund the remaining insurance premiums to the insured after collecting the insurance premiums for the period from the date of commencement of the insurance liability to the date of termination.

The surrenderer shall provide the following documents when handling the surrender:

1. If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder;

2. The insurance policy provided by the surrenderer to prove the establishment of the contract.

and proof of last payment;

3. The ID card of the policyholder.

Bright; 4. The policyholder or the insured entrusts others to handle it on behalf of him;

5. A power of attorney from the policyholder or the insured shall be provided.

Principal's ID card.

Summary. Hello, dear. Both the policyholder and the insured do not need to return the insurance.

Generally speaking, the surrender of insurance is applied for by the policyholder, but the policyholder must also have the insured's signature to agree to surrender before the surrender can be handled. To put it simply, the surrender of the policy does not require the presence of the insured, but the insured must be aware of it and provide a handwritten signature agreeing to the surrender. It is worth mentioning that if it is an insurance product purchased on the policy, then the policyholder can directly surrender the insurance on the policy, so in fact, the insured does not need to sign.

Hello, dear. Both the policyholder and the insured do not need to return the insurance. Generally speaking, the insurance surrender is applied for by the insurance company, but the policyholder must also have the insured's signature to surrender the insurance before the surrender procedures.

To put it simply, the surrender of the policy does not require the presence of the insured, but the insured must be aware of it and provide a handwritten signature agreeing to the surrender. It is worth enduring in advance that if it is an insurance product purchased on the policy, then the policyholder can directly surrender the insurance on the policy, so in fact, the insured does not need to sign.

The specific process is as follows: 1. If the policyholder needs to surrender the policy, he or she can first consult the insurance company's offline mountain disturbance outlets and need to bring the surrender information. 2. Bring the identity document of the policyholder, the original insurance policy, the payment voucher, and the bank account, if you entrust others to handle it, you also need the ID card of the entrusted person and the power of attorney issued by the policyholder to go to the offline outlets of the insurance company to handle it.

3. After going to the counter of the insurance company, fill in the surrender application, write down the reason and time of surrender, and submit the surrender information to Baochang Insurance Company, and the staff will review the surrender information. 4. After the surrender review is passed, after confirming that there is no problem, the surrender money of the insurance company will be credited to the submitted bank account within 7 working days.

What is the impact on me personally if the insurance personnel of Baoheng Hidden Baggage Insurance carry the register in my name and frequently apply for insurance and surrender the insurance in my name, and then surrender the insurance before the expiration of next year, will it affect me personally?

The impact of frequent insurance and frequent refund includes economic losses, the insurance liability will be interrupted, and the health notice needs to be filled in again when re-insured. 1. Economic loss: If the insurance company surrenders the policy during the hesitation period, the insurance company will refund the premium without interest and only charge a small amount of the production cost, and then apply for surrender after the hesitation period, you will have to bear the economic loss, because the amount of insurance refund includes the cash value of the policy, and the cash value of the first year will generally be very low, which will cause a difference and need to be borne by the user himself.

2. The protection responsibility will be interrupted: after the application for surrender takes effect, the original protection rights and interests of the insurance contract will disappear, and if the user encounters risks during this period, the insurance company will not bear the relevant protection responsibilities, and the losses caused by this can only be borne by themselves. 3. Re-insurance needs to fill in the health notice again:

If you want to apply for a health notice again, you need to fill in the health notice again, and with the increase of age, not only will the premium paid increase, but if the body is abnormal after surrender and does not meet the requirements of the health notice, you may have to face additional underwriting, deferred coverage or even rejection.