After paying the insurance for four years, can I surrender the insurance if I don t want to pay it?

1.After paying the insurance for four years, I don't want to pay it, and I can surrender it at any time, and now the insurance company has many ways to surrender the insurance

The most common is to bring all your original documents and valid identity documents, and go to the counter of your local insurance company (which can be found on the official website) to handle it manually;

Call the insurance company, and the customer staff will introduce the process to you in detail;

You can also handle it, and you can check it on their official website. Many people buy insurance casually, but later they feel that the insurance is not good enough and want to surrender the policy. Therefore, if you surrender the policy, don't be casual.

2.Surrender can be done at any time, but the key knowledge point of surrender is that you must not know when surrendering the policy, and you can surrender the policy Generally speaking, surrender will cause a certain loss, but there are two situations in which there will generally be no loss:

Cooling-off period. Surrender: Usually there will be a hesitation period after buying the insurance, which lasts about 10 to 15 days, and the full premium can be refunded if the policy is surrendered within this period;

Misleading sales: If the salesman misleads when buying insurance, and the signature of the insurance contract is signed by someone else instead of himself, he wants to return the entire amount insured.

It is quite possible. In addition to these unexpected circumstances, the loss of a part of the money is unavoidable, at this time reducing the loss is the only thing we can do, such as the option to reduce the amount of payment: that is, do not ask for a refund, but put the current cash value.

As a premium payment, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced. This will be much more cost-effective than surrendering, but whether it means that everyone can use this plan to deal with it, this treatment is not suitable for your insurance, and it needs to be confirmed with the insurance company. There are still a lot of details that need to be paid attention to about surrender, so I won't list them all here.

Extended information: Surrender can be refunded, but there must be losses, will not be refunded at the original price, only the cash value in the insurance contract, the loss will be great! Surrender is very simple and convenient, as long as you call the customer service, check your information with the manual customer service, you can surrender the policy, he will arrange the customer service staff of the local insurance company to contact you, you go to the local insurance company to submit materials to surrender the policy!

You can also use the insurance company's online operation to surrender the policy! In short, there must be a loss in surrender, and the loss is very large, so it should be considered comprehensively!

After paying for 4 years of insurance, if your insurance has not expired and you feel that the insurance you purchased is not suitable, you can choose to surrender the policy, but you should know that there are currently two situations for surrender, namely hesitation period surrender and normal surrender. Among them, if the policy is surrendered during the hesitation period, the insurance company will refund all the premiums paid by the policyholder, and only charge a small amount of the production cost, which generally does not exceed 10 yuan. In the case of a normal surrender, the insurance company will refund the actual cost according to the cash value of the policy, i.e.:

The policyholder has paid the premium - the company's management fee - the commission cost - the premium required for the assumption of responsibility The interest generated by the remaining premium, which is often lower than the premium paid, the longer the time drags on, the greater the surrender loss, so it is recommended that you try not to surrender the policy.

First, if this person has a regular work unit, that is to say, if you go to work in another unit and you want to sign a labor contract with the enterprise, then according to the current laws and regulations of our country, the enterprise must pay pension insurance for you, which is a mandatory provision of the state.

Second, social security can not be surrendered halfway, if you buy the pension insurance in the social security, then you can stop paying halfway, but you can't surrender the insurance. However, if you have purchased commercial insurance, then you can choose to surrender the policy.

However, if you have participated in social security and established a personal account before joining the army, if you are resettled in the form of retirement or support when you are discharged from the army, you can apply to the relevant departments for a one-time refund of the personal contribution part. Therefore, it is recommended that everyone pay social security if they can. If you work in the unit, the medical and social security is compulsory and cannot be withheld.

Flexible employment personnel can choose the most suitable grade for themselves to participate in the insurance according to their own economic situation, so that they can be guaranteed in the future.

First of all, we need to make one thing clear, when we submit a surrender application, although the insurance company agrees to surrender the policy, the insurance company will not refund the premium to us, but only the "surrender value".

Because surrender is a unilateral breach of contract, after a policy is signed, the cost of policy management has already been incurred, including handling fees, costs, benefit deductions and other expenses, and cannot be recovered.

One thing to understand is that the surrender value varies depending on the type of insurance. Generally speaking, long-term insurance has a higher surrender value, while many consumer-oriented insurance plans have no surrender value.

If you have paid the insurance for four years, you can refund the policy if you want to surrender it now, but the amount of insurance returned is not the money you paid, which means that you have defaulted and must deduct part of your reservation fee.

If you don't want to pay the insurance for 4 years, you can't surrender it, because if you withdraw the insurance halfway, it is likely that you will lose a lot of principal, and it is not worth it.

It is possible to surrender the policy, but generally speaking, if the insurance product has a cash value, the loss is very large if the policy is surrendered before the expiration of the insurance period, and you may lose about half of the premium you paid.

If I don't want to pay the insurance for four years, can I surrender the policy? It must be refundable, the insurance contract you purchased has a cash value table, what is the cash value at the end of the first year, this cash value is the amount you can get when you surrender the policy in the first year, you have paid for four years, you can open it to see, the cash value at the end of the fourth year is the money you can get when you surrender the policy.

I guess you're talking about commercial insurance! If you want to surrender the policy, you can, but the loss will be relatively large, generally about 40% of the premium you pay!

Yes, but it is estimated that there will not be much money to be refunded.

I've been buying the insurance for four years, and now I don't want to renew it, how much can I get back?

In this case, you need to look at the insurance contract. For most insurance products, many life insurance and annuity insurance can be surrendered, but a certain amount of liquidated damages need to be paid when surrendering, and the relative proportion is relatively high. The specific amount that can be received can be viewed on the cash value page of the policy, or you can contact the insurance company directly for inquiries.

It is not recommended to surrender the policy, because there is a certain cost to surrender the policy, and there will be a certain loss.

What is Participating Insurance?

Participating insurance refers to the life insurance that the insurance company distributes to the policyholders according to a certain proportion of the surplus of its actual operating results compared to the pricing assumption, which has the following characteristics:

First, policyholders can receive dividend distributions. In addition to the basic protection function, customers can share the company's operating results with the company.

Second, the dividend distribution methods include cash dividends and incremental dividends. Cash dividend distribution refers to the direct distribution of surplus to policyholders in the form of cash, and insurance companies can provide a variety of dividend payment methods, such as cash, premium payment, interest accumulation, and purchase of sum insured. Incremental dividend distribution refers to the distribution of dividends in the form of increasing the sum insured each year throughout the term of insurance.

Thirdly, the distribution of dividends is uncertain. The level of dividends mainly depends on the actual operating results of the insurance company.

What is Dual Insurance?

Comprehensive insurance refers to life insurance that is conditional on death or survival during the insurance period in accordance with the insurance contract. At the same time, it has the function of protection and savings. All other things being equal, the savings function of both insurance is more prominent than that of whole life insurance.

Since both the endowment insurance policy includes both the death benefit and the survival benefit, all other things being equal, the premium rate of the endowment insurance is higher than that of both term life insurance and whole life insurance. The death protection function of both insurance is similar to that of term life insurance and whole life insurance, and the survival insurance money can be used for education, pension and other expenses.

There are loss questions.

How much can I get back.

I bought insurance for my children.

Ask about the guarantee.

Generally less than 10%.

I remember telling me that I would pay 10 pounds for 30 years.

Ask a question and then return the principal at 30.

Surrender can generally be about 50%.

According to the general insurance contracts currently on the market, each insurance contract will have a certain level of punishment. This means that when you want to surrender your policy, you will need to check the surrender instructions stated in the policy wording. You have paid the insurance premiums for 4 years, and there will be a high penalty for surrendering the policy, and there will be no investment income at the same time.

About 80% of the exits can be made. And if you want to surrender the policy, then you have to pay some liquidated damages, because the contract is signed when you pay the insurance.

If you buy insurance for 4 years and surrender it halfway, it may not be very cost-effective, and you can only return a few hundred yuan.

If you return it, you should be able to get 80% back, because there is also a handling fee for surrender, so it is not cost-effective for you to surrender the policy.

Hello! According to your situation, the insurance can still be refunded after four years of payment. You can directly call the insurance company's ** to surrender the policy, or you can bring the insurance contract, proof of charge, original ID card and other materials to the insurance company's counter to handle the surrender.

The insurance can be surrendered after four years, but because it has been purchased for four years, the hesitation period has long passed, and the cash value of the policy can only be refunded if the policy is surrendered, because the cash value of the policy will be much lower than the premium paid, so the policyholder may bear a certain amount of economic loss.

Extended information: 1. Life insurance is based on the body or life of the person as the subject of insurance, when the body or life of the insured has an insured accident, or the insurance period expires, then in accordance with the provisions of the contract, the insurance company will pay compensation or survival money.

2. Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

3. Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

4. From an economic point of view, insurance is a financial arrangement for apportioning the loss of accidents; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

5. The object of insurance, that is, the object of the insurance contract, is not the subject matter of insurance itself, but the insurable interest of the policyholder or the insured in the subject matter of insurance (biāodì).

6. Insurable interest is the legally recognized interest of the policyholder or the insured on the subject matter of insurance. This is mainly because the insurance contract does not protect the safety of the insurance object itself, but the economic interests of the policyholder, the insured and the beneficiary after the insurance object is damaged. The subject matter of insurance is only a vehicle of insurable interests.

The insurance can be surrendered after four years of payment, but because it has been purchased for four years, the hesitation period has long passed.

If the policy is surrendered, only the value of the policy will be refunded, due to the cash value of the policy.

It will be much lower than the premium paid, so the policyholder may bear a certain amount of financial loss.

Life insurance policy. When the body or life of the insured suffers an insured accident or the insurance expires, the insurance company will pay compensation or survival money in accordance with the provisions of the contract. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

In our daily life, some people will choose insurance to help them manage their finances or help themselves avoid risks, when they choose insurance, they must pay the premium, only the payment period is enough, in order to get the due protection, so if their insurance has been paid for 4 years and want to surrender, it must depend on whether the content of the contract signed at that time is 4 years, if the payment period is 4 years, then you can successfully surrender the policy, if you have not deferred enough to pay the payment period, then you must continue to renew the insurance, Only when the payment period is enough, you can choose to surrender the policy, if you do not pay enough, you will suffer financial losses if you want to surrender the policy.

When the insurance you buy expires, you must surrender the insurance in a timely manner, if you do not surrender the insurance in time, the insurance company will not automatically renew the insurance for yourself, if you buy the insurance will not surrender, you must go to the local staff in time to surrender, if the local is not convenient to travel, then you can choose to call the online manual customer service for detailed consultation, let the online manual customer service help you to surrender the policy, when you surrender the policy, You may refund the full amount of the fee you paid at that time to your account, and then you must check whether the surrender amount has been in your account in a timely manner, and the surrender time may be delayed during the holidays.

When we buy insurance, we must pay according to the terms of the insurance, we must not be able to break off the payment during the payment period, if there is a break in the situation, it is likely to invalidate the insurance contract, so that they can not get the protection they deserve, if during the payment period, their own economy is unable to pay, they must inform the staff of the insurance company of their own situation, so that the staff of the insurance company will provide themselves with the right way to deal with it, Of course, you will enjoy much less protection.