Can the principal be returned when Ping An Hongsheng whole life insurance expires?

Hongsheng is a protection-type whole life insurance, which expires when the insured dies; There are dividends every year, and the sum insured is paid on death, which is more protection than that of the bank. If it has been paid for 3 years, you can return more than 1,000 if you surrender the policy, and the specific amount is on your policy, and the side with cash value is the money you can get when you surrender the policy, or you can call 95511 and ask how much money you can get when you surrender the policy.

Hello: The above-mentioned colleague said very well, you should be cautious when applying for insurance, and you should be cautious when surrendering the policy. First of all, Hongsheng Insurance is a whole life insurance, and the so-called critical illness insurance is attached to the main insurance.

How much money can be refunded after three years, only the cash value can be refunded, but it is certain that the principal cannot be returned. The other part is a small amount of accumulated dividends.

The surrender agreement in the third year is only 40% of the principal, and the cash value table of the contract has detailed reference data! You can apply for a full surrender within 10 days of purchase!

According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading customers in violation of regulations and will be terminated by the company!

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

If it's really good for you, can those people's IQ be worse than you, and they still need to sell you everywhere?

It's insurance, not a deposit, and if you look at the description on the insurance contract - I guess you signed it without even reading it at the time - it will kill you.

These institutions deal with money all day long, and they will naturally be mercenary and talk nonsense.

Those dividends are theoretically "expected highest" returns, which are based on the annual profitability of the insurance company, which is dispensable and has obvious uncertainties. The content of the contract does not clearly state the specific amount of money to be paid, and just a person's mouth says how high it is, it will be a blank "check" that the insurance company cannot cash. When the time comes, if you don't honor it due to various factors, you will not be legally responsible.

Hello, friend. There will be a loss when you surrender the policy, you can call 95511 and quote your policy number to check the cash value of your policy. It's the money you get when you surrender the policy. It is not advisable to surrender the policy, as it will cause a loss of your own benefits and will also interrupt the coverage.

Hello! Thank you for your trust in Ping An! Surrender is based on the cash value of the policy, you can look at the cash value table in the policy, the amount at the end of the corresponding year is the amount that can be withdrawn from the surrender, and there will be 3 years of accumulated dividends.

Don't know why you want to surrender your policy? It is recommended that you should be calm when buying insurance, and be more cautious when returning insurance!

I generally advise customers not to surrender the insurance policy easily after buying it! So when buying insurance, be calm! If you really want to surrender the insurance, you can directly call Ping An's customer service** 95511, and the customer service staff can tell you!

Or you can check the cash value table that has one page inside the policy!

Hello, there are two ways to withdraw Ping An Hongsheng Whole Life Insurance (Participating) at the end of the payment period: one is surrender, and the other is partial collection of the policy account value. However, there may be a loss of principal.

1.Surrender. If you choose to surrender the policy, you can get a refund of the cash value of the policy at that time.

The legal basis is as follows:

Under the Insurance Act

Article 47 stipulates: "If the policyholder terminates the contract, the insurer shall return the insurance policy in accordance with the contract within 30 days from the date of receipt of the notice of termination."

The cash value. The insurer is the insurance company, that is, the policyholder (that is, yourself) can request to surrender the policy, and accordingly, the insurance company shall refund the cash value agreed in the contract within 30 days.

For the specific amount of cash value, you need to check the cash value page in the policy for the corresponding cash value of the insurance year, as well as the agreed dividend guarantee interest rate and actual settlement interest rate, if the insurance contract is lost, you can call the insurance company to reissue the contract.

2.Partial claim of the policy account value.

Depending on the contract, you can choose to receive part of the account value of the policy (the account value of the policy here can be understood as the cash value of the policy) and partially withdraw the sum assured for future contracts.

Decrease accordingly. However, after inquiring about the terms of Ping An Hongsheng Whole Life Insurance (Dividend), there is no clause for partially receiving the account value of the policy, so whether you can partially receive it is still necessary to consult the salesman at that time or the insurance company** for consultation.

Finally, if the cash value at the end of the payment period does not exceed the principal, and the family does not urgently need funds, you can choose the most suitable surrender time according to the corresponding cash value each year. Plus, whole life insurance.

It is a personal protection, and you can also choose to keep this insurance for a while.

If you need to specifically analyze the withdrawal time, whether the principal can be exceeded, and whether the policy should be surrendered, you need to do it according to the actual situation of the policy, you can consult a professional insurance person. Hope mine can help you.

Ping An Hongsheng Whole Life Insurance is a participating whole life insurance launched by Ping An Life, which can protect you for life, live to old age, and enjoy dividend benefits, the older you get, the more valuable you are. Since it is a whole life insurance, it cannot be paid for 20 years, and the insurance benefits can only be paid after the death of the insured. If you want to withdraw the insurance in the middle of the policy, you will have to surrender the policy, but if you cannot repay the insurance in full when you surrender the policy, you will lose money.

Below, I will explain why you can't refund the full amount when you surrender the policy?

Surrender is not about how much we pay, but only the cash value of the policy.

This is because, regardless of whether the insurance is out of the way or not, the insurance company has actually paid two costs:

One is the cost of coverage, once the contract is in effect, the insurance company provides you with risk protection. If you are not out of insurance, it does not mean that others are not out of insurance, the essence of insurance is to share the risk equally, and you have to pay the cost of protection for the person who is out of insurance.

Another operating cost, that is, the manpower, customer service and so on provided by the insurance company for you when you buy insurance, are real expenses.

Therefore, the cash value of the surrender of the policy is based on the cost paid by the insurance company.

Therefore, it is not recommended that you take the surrender method to withdraw the cash value of Ping An Hongsheng Whole Life Insurance, because there will be a loss, and second, after the surrender of the policy, the policy contract will be terminated, and the protection will be lost.

If you still have questions about whole life insurance, please scan the QR code to pay attention to Concentrate Insurance, we will answer any questions about insurance for you with professional knowledge, objective, neutral and enthusiastic attitude, so that it is no longer difficult to buy insurance!

Ping An Hongsheng Insurance is a whole life insurance with protection and dividends, which cannot be returned or withdrawn after 20 years, but you can go to the branch counter to handle the dividend withdrawal. With whole life insurance, you can't get out of the money you put in. There are only three types of money that can be obtained, the first is dividends, the second is surrender, and the third is the insurance money after an accident.

Since it is a whole life insurance, the protection period is lifelong, and withdrawing money halfway is surrender, and the cash value of surrender and surrender policy, you can refer to the cash value table. Because money has a cash value, the later you take it, the more you get is true. So, even if you surrender the policy, you can get more money than before, but as for how much, it depends on the interest rate calculated by the insurance company.

If you change the insurance, according to the age of the landlord, you still have to pay for critical illness and accidental injury, and the rest depends on your personal wishes. Most life insurance policies now have some savings and investment functions in addition to insurance protection.

Dividend distribution of insurance:

During the validity period of this main insurance contract, the dividend distribution plan shall be determined annually according to the actual operating conditions of the participating insurance business. Policy dividends are not guaranteed. If it is determined that there is a dividend distribution under this master insurance contract, the dividend will be distributed on the policy anniversary date and you will send you a dividend report for each policy year informing you of the details of the dividend.

You can choose any of the following bonus payment methods when you apply for insurance:

1. Accumulation of interest: Dividends are retained in the company, stored at an annual interest rate, and paid when the application or the termination of the main insurance contract.

2. Offset insurance premiums: dividends are used to offset the insurance premiums payable in the next period, and if there is still a balance after the payment, they are used to offset the insurance premiums payable in the following periods, but the balance is not interested. After the expiration of the premium payment period, the insurance premium payment method will be automatically changed to the accumulation method.

3. Purchase and pay off the increase insurance: according to the age of the insured at that time, the dividend will be used as the net insurance premium paid at one time to increase the basic insurance amount of the main insurance contract.

If the insurance payment period of Ping An Hongsheng Whole Life Insurance (Participating) is 20 years, then the payment for 20 years means that you have fulfilled your payment obligations, but the insurance company's compensation or payment obligations have not stopped, which means that your insurance period has not expired, and the insurance liability has not been terminated, so it is not cost-effective to surrender (withdraw money) at this time. After the insurance is surrendered, the insurance company will no longer bear any insurance liability, and the main function of the insurance product is through risk protection, and the coverage and payment method of different life insurance products are different. If you want to re-apply for insurance after surrendering, you may face risks such as rates** and refusal due to changes in policy age, health status, etc.

I recommend that you think about it carefully. Surrender after the cooling-off period is generally refunded according to the cash value, which is subject to the insurance contract. You can take a look at the cash value table at the end of each policy year at the end of the general insurance contract.

If you have any questions, you can contact the insurance salesman or the official customer service of Ping An Life Insurance at 95511-1 for consultation.

Call 95511 directly and let the Ping An salesman come directly to help you operate.

Summary. After 20 years of Ping An Hongsheng Insurance, if you do not continue to enjoy the protection, you can contact the insurance company to surrender the policy and receive the premiums and dividends paid. However, if you want to continue to enjoy the protection, you can only receive dividends, and there is no question of how to return them.

Ping An Hongsheng Insurance is a low-cost and high-protection participating insurance, when the cumulative amount of dividends reaches the total amount of premiums paid, customers can take the dividends, and the contract continues to be valid.

1.During the validity period of the insurance contract, the insurance company will determine the distribution of dividends every year according to the actual operating conditions of the participating insurance business and in accordance with the relevant regulations of the insurance regulatory authorities. If the Company determines that there is a dividend distribution under this contract, such dividend will be distributed to the policyholder on the policy anniversary.

2.There are three ways for the policyholder to receive dividends, you can choose to accumulate interest and pay insurance premiums, if the payment period expires, it will automatically change to the accumulation of interest for banquets, or purchase and pay off the increase insurance, according to the age of the insured at that time, with dividends as a one-time payment of insurance premiums, according to the same contract conditions to increase the amount of insurance. If the policyholder does not choose the dividend collection method when applying for insurance, it will be handled by accumulating interest.

After 20 years of Ping An Hongsheng Insurance, if you do not continue to enjoy the protection chain, you can join the insurance company to surrender the insurance policy and receive the premiums and dividends. However, if you want to continue to enjoy the protection, you can only receive dividends, and there is no question of how to return them. Ping An Hongsheng Insurance is a low-cost and high-protection participating insurance, when the cumulative amount of dividends reaches the total amount of premiums paid, customers can take the dividends, and the contract continues to be valid.

Ping An Hongsheng Insurance is a whole life insurance company under Ping An Life.

With financial dividends, the beneficiary can get the sum insured in the event of the death of the insured.

The cumulative amount of dividends.

This product does not provide the right to return the return of the history at maturity, but because the policy provides a lifetime death benefit, Zheng Hui can get the insurance payment except for the exemption policy. Of course, this does not mean that the principal will be returned at the end of the product.

From the perspective of accidents, the expiration of the policy is the death of the insured, and the specific amount of compensation also depends on the agreement of the sum insured and the terms of compensation, as well as the cumulative amount of dividends generated.

According to the surrender agreement, as a savings type of insurance, the surrender amount of Pinglimb Hunger Hongsheng is directly related to the choice of surrender time, in the hesitation period.

The policy is fully refundable.

If our safe insurance payment period expires, then we will be able to enjoy the lifelong protection of this insurance product, and we will not have to renew the insurance product of Lu Zhicheng in the future. And when we retire, we will be able to get a corresponding pension.

This can also bring better security to our retirement life. Ping An Insurance Company.

It is also very popular in the market, and the insurance products in it are very worthy of our consumers' purchase, and the quality of the products and after-sales service are quite in place. <>

In the process of purchasing Ping An insurance products, we can consult the corresponding customer service staff, who will solve a series of problems for us according to our actual situation. When we sign an insurance contract, we also need to understand and analyze the various regulations and the scope of protection in the contract, and then choose according to our actual situation, and do not blindly buy some unnecessary insurance products. <>

Most insurance products have a certain payment period, and when we complete the payment period, we don't have to pay anymore, and we can get the lifetime protection of this product. Normally, the payment period of insurance products is about 10 or 15 years, and the specific term of each insurance product is different, and we should make decisions according to the actual situation. <>

When we buy insurance products in the market, we must choose to buy them through formal and legal channels, so that we can tell us that the insurance products we bought early are protected accordingly, and we can also enjoy the after-sales service brought to us by this insurance company. Ping An Insurance Company's service is also quite good, and it can provide more humanized services for our consumers. When we encounter a variety of problems, there will be a dedicated customer service staff to solve them for us.