How to return Sunshine Insurance, Sunshine Insurance surrender process

Sunshine Insurance Surrender:

Surrender can be divided into hesitation period surrender and normal surrender.

Cooling-off period surrender:

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 is considered 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.

You can go directly to the company counter and you can return. Bring your original ID card and original insurance policy.

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the counter to fill in the surrender application!

First, contact customer service.

Second, at the same time, you can consult the relevant enterprises or departments to inquire.

Third, operate in accordance with the terms stated in the contract.

Fourth, I wish you a smooth work, a prosperous career, a healthy life, a happy family, and a prosperous Year of the Goat.

What kind of insurance did you buy? Why do you want to return?

Surrender will cause you losses, think twice!

Sunshine Insurance. The surrender process is as follows:

1. First of all, submit an application for surrender to the insurance, and prepare the insurance contract and ID card.

and bank cards and other information submitted to the insurance company for review;

2. After the insurance company reviews the information and confirms that it is correct, it will contact the user to go to Qingyou Insurance Company to go through the surrender procedures;

3. The user signs the application for termination of the insurance contract.

After the surrender procedure is completed, the insurance company will refund the premium to the bank card account designated by the user.

After determining that you want to surrender the policy, you need to do a good job in the preliminary preparations, whether you have bought a new insurance or not, and if you decide to surrender the insurance, it is best to buy a new insurance product first; Guarantee the gap period.

There will be a waiting period after the purchase of insurance products, it is best to wait for the waiting period of the new insurance product to pass before surrendering the old insurance, which can avoid the window period of protection.

Long-term life insurance products, generally have a certain insurance hesitation period (10 days), the policyholder surrenders the policy during the insurance hesitation period, the insurance company generally only charges a certain handling fee (about 10 yuan of production cost), and then will refund all the premiums you have paid.

It should be reminded that if you choose to surrender the policy after the insurance cooling-off period, the surrender loss is large, so it is recommended that you consider and choose carefully.

The basic procedures and required materials for insurance surrender:

1. Go to the business hall in person.

The materials include: surrender application, ID card of the policyholder, copy of bank card, policy and insurance premium invoice.

2. Entrust the salesman to the business hall to handle it.

Materials include: surrender application, power of attorney, ID card of the policyholder, copy of bank card, insurance policy and insurance premium invoice.

Hello dear! 1. Bring your ID card, insurance cost invoice, car insurance policy, etc. to submit the surrender application to Sunshine Insurance's offline outlets; Calling God 2, waiting for Sunshine Insurance to issue a certificate of endorsement for surrender of Xiangsong Bend; 3. Bring the relevant surrender approval slip and the cherry loss certificate and your own ID card to the financial department of Sunshine Insurance to receive the refunded insurance fee. However, we also need to note here that not all car insurance expenses can be surrendered, and you can consult the customer service of Sunshine Insurance for details.

The necessary conditions for surrendering a car insurance policy include the following two points: first, the car insurance policy must be within a limited period; Second, during the insurance period, if the vehicle has not occurred or reported or claimed, it is definitely not possible to surrender the insured vehicle that has been claimed, and the insured vehicle that has been reported and has not received a claim cannot be surrendered.

The specific refundable amount of Sunshine Insurance depends on how the cash value table on the policy is written.

For example, the cash value table of some insurance products will directly state what the cash value of each year is, and you only need to look at the cash value corresponding to the year of surrender when you surrender the policy. For example, the cash value table of a policy indicates that the cash value of 10,000 in the fourth year corresponds to 100,000 in the insured amount, then if the insurance amount is 500,000 when the policy is surrendered in the fourth year, the cash value that can be refunded in the current year is 50*100=5000.

Extended information: How much can be refunded when surrendered, mainly depending on which situation:

1) Full Surrender Usually only these are the only cases that can be fully surrendered:

1.Surrender during the cooling-off period.

There is a hesitation period for buying insurance, if you are still in the hesitation period when you surrender the insurance, you can surrender the policy in full, and the cost of production will be deducted, generally 10 yuan, usually the hesitation period is calculated after the contract receipt is signed, generally about 10 days, and the contract will be written clearly.

2.It is signed.

If some salesmen operate improperly, the signature of the insurance contract is signed, and the application for surrender in this case can be refunded in full.

3.There is evidence of violations.

If there is evidence that the person violates the rules or has the element of fraudulent insurance, you can also apply for full surrender in this case.

2) Return the cash value.

If the policy is surrendered beyond the hesitation period, only the cash value can be refunded, and usually only savings life insurance has cash value, such as whole life insurance, term life insurance with a term of more than one year, comprehensive insurance, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, universal insurance and participating insurance; One-year medical insurance, accident insurance, etc., generally have no cash value.

3) Return cash value + dividends.

The cash value has already been mentioned above, let's talk about dividends. Participating insurance is generally insurance with a financial nature, like pure consumer insurance without 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 the insurance payment to the customer according to the insurance company's operating conditions.

The surrender channels of Sunshine Life's insurance products are generally realized in traditional offline forms, mainly including:

1. Go directly to the customer service center of the operating outlets to handle the surrender, submit the relevant surrender information on the spot, fill in the surrender application, etc.

2. **Contact the official customer service of Sunshine Life for surrender consultation and processing, we only need to inform the manual customer service of their personal information, policy number, etc., and then follow the voice prompts of the customer service to complete.

In addition, for some Internet insurance products launched by Sunshine Life in cooperation with third-party insurance sales platforms, it is relatively more convenient and simple to handle the surrender of insurance policies directly through exclusive online channels.

Sunshine Insurance, to return the insurance, you need to bring the insured's insurance contract, valid ID card in front of the mask, bank card, etc. to Sunshine Insurance Company.

Handle the surrender procedures at the same time.

If you want to surrender the policy during the hesitation period, you can first call the national unified customer service of Sunshine Insurance Company**95510 to explain the situation and ask for surrender. If you apply for surrender within the 10-day cooling-off period, the insurance company will refund the premium paid, and the policyholder will not suffer any financial loss. If the policy is surrendered after the cooling-off period, the insurance company will only refund the cash value of the policy.

The policyholder will have a large financial loss.

The claim process of Sunshine Insurance is as follows:

1. After the insured has an insured accident, it is necessary to notify Sunshine Insurance Company in time;

2. According to the requirements of the insurance company, prepare the information required for the claim, such as the medical expense reimbursement generally requires the disease diagnosis certificate and discharge record.

List of hospitalization expenses, invoices for hospitalization expenses, etc.; Critical illness.

Claims generally require the provision of pathological certificates, etc.;

3. Submit the claim information to the insurance company for review;

4. After the claim information is approved, the insurance company will transfer the claim money into the bank account of the insured or beneficiary.

Hello, if you surrender the policy during the hesitation period, you can directly call the unified customer service of Sunshine Life Insurance Company**, explain the situation to the staff and apply for surrender procedures. If the policyholder applies for surrender after the cooling-off period, the policyholder can only bring his/her valid personal identity document, insurance contract and bank card to the counter of Sunshine Life Insurance Company to go through the surrender procedures, and the insurance company will verify the actual surrender amount and then return it to the bank card account designated by the policyholder. 1.

As for the amount of surrender, it has always attracted everyone's attention. After all, many long-term insurance products still require a lot of premiums. Under normal circumstances, the surrender amount will be affected by the surrender time.

The best time to surrender the policy is actually about 10 days after we receive the policy, because this period is generally in the hesitation period of the product. And most insurance products have a hesitation period, surrender at this time, will only deduct about 10 yuan of the production cost, and other expenses can be refunded to us. 2.

The things that need to be prepared for the surrender of Sunshine Life are generally the surrender application, or the application for termination of the contract, as well as our policy contract, ID card and other materials. However, in general, different products and different people may need different materials to surrender the insurance. Therefore, it is best to find out what documents we need to prepare for the surrender of the policy through the insurance company before surrendering the policy.

3.The commercial insurance of any commercial insurance company is refundable, but the process varies from company to company within the scope of legal compliance. Insurance surrender is generally based on the cash value stated in the policy, and in the early stage of the policy, the cash value is often very low, which means that the surrender will suffer a large loss.

Recently, I have seen a lot of people ask questions about the surrender of critical illness insurance, and it is also said that critical illness insurance is more complicated, and it is inevitable that you will not be satisfied with it"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

How to surrender the policy? There are two forms: online surrender and offline surrender.

(1) Online surrender

Generally speaking, you can find the policy on the personal homepage of the insurance, apply for surrender, and upload the relevant information as required, but there are still very few insurance policies that can be surrendered online, and most of them need to go to the insurance company to return by themselves.

After reading this analysis, you will understand:Is it reliable to buy insurance online? What is the difference between online and offline insurance? 》

(2) Offline surrender

Offline surrender is generally this process:

Typing ** can ensure that you bring all the information, so that you can go to the application at one time. The insurance company cannot refuse to surrender the policy, but the surrender can often only return the cash value, and there will be losses, so you must be mentally prepared. The insurance company will refund the cash value of the policy at that time within 30 days from the date of receipt of the insurance contract termination application from the date of receipt of the insurance contract termination application.

If you have already decided to surrender the policy, it is important to remember that the old policy will not be surrendered until the new policy becomes effective to ensure that the protection is not interrupted.

If you surrender the policy now, you will only receive the cash value of the policy in the corresponding year. To surrender the policy, bring the policy, the policyholder's ID card and bank card to the customer service hall of Sunshine Insurance Company to go through the surrender procedures.