I bought 5500 Ping An Insurance in July, how much is it deducted for surrender now

For those who divide the insurance, a thousand dollars. Look at the cash value table of your contract, which is the surrender benefit.

Hello, after the cooling-off period surrender will lose a lot of money, will only return to you the cash value, when buying insurance, you must carefully consider and choose a product of your choice.

After the hesitation period, you will lose a lot of money if you surrender the policy, since you buy it, don't return it, and force yourself to save a sum of money for a year!

The cash value of the policy can only be refunded, see the contract**, the surrender of the huge loss, be cautious, your single is estimated to be more than 600 yuan.

Hello, I suggest you don't surrender the policy, you calm down and think about why you bought insurance in the first place?

What is the purpose of your insurance? What is the reason for surrender? Think it through before you decide.

Hello, the surrender loss is very large, you check the cash value table on the contract.

Why do you want to return it, don't return it if you buy it, so that there is no protection, there is no money, and it is irresponsible and not cost-effective.

If you want to insure a better product, you must return it after the waiting period of the new protection, and you can't refund much money, if you really don't want to pay, make a reduction after a year.

Regardless of the type of insurance, you will lose more than half of your first year of surrender.

Life needs 7 insurance policies, why should you return them? Life is protected first and then financed, adults before children. I don't know how you bought it?

Refund as much as the cash value is, and try not to surrender the policy.

Hello! If you don't particularly want to do it because of the advice, not only the loss of cash, but also the protection will be affected, please consider carefully!

Hello, just look at the cash value in your contract, what is the cash value?

If you think you can live a long life, there will be no accidents, no risks, no diseases, you will return the cash value.

The cash value of the benefit presentation in the proposal is the money that can be refunded to you.

It is recommended not to return but to get back the cash value and lose a lot.

Refund the cash value, preferably not at all.

Hello, it is recommended that you do not return.

Hello, what's the situation, the cash value...

Why do you want to return it? Your peace, my promise.

Look at the contract, it is written in the contract.

Why should I return it if I buy it?

People who want to surrender the policy, the first thing that comes to mind is, how much can they refund? How can I go back more? Here's a guide first::《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

If you are not in a hurry to use the money, it is recommended that you do not surrender the policy, the loss is very large, and if you need it urgently, you can borrow from the policy.

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

How much money can be refunded when surrendered, there are several situations:

(1) Full surrender

There are generally three situations in which a policy can be surrendered in full:

1.Surrender during the cooling-off period

There is a hesitation period for buying insurance, and the surrender of the insurance during the hesitation period can refund all the premiums, and will charge about 10 yuan of the production cost.

2.It is signed

Due to the non-standard operation of some salesmen, the insurance contract is not signed by me, and you can apply for a full refund at this time.

3.There is evidence

If there is evidence that the person violated the operation or deceived the consumer, you can also apply for a full refund.

(2) Refund of cash value

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

If you want to surrender the policy and want to know the cash value of the policy, you can read the contract or call the insurance company **, which can generally be calculated like this:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it is divided into two parts, one part is a fixed insurance payment to customers, and the other part is the insurance money paid to customers according to the operation of the insurance company, which is a bonus and has no fixed value. Specific popular science is presented:

"Demystifying the Mystery of Dividend Insurance".

Obviously, if you surrender the policy beyond the hesitation period, the money returned is less than the premium paid, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

If you surrender the insurance policy after one year, you can generally only refund the cash value of the policy. Surrender is mainly divided into two situations: surrender during the cooling-off period and normal surrender, as follows:

1. Surrender the policy during the hesitation period

Surrender during the hesitation period refers to the time for the insurance company to hesitate to the policyholder, which is generally about 10-15 days after receiving the policy. Normally, the premium can be refunded in full if the policy is surrendered during the cooling-off period.

2. Normal surrender.

Surrender beyond the cooling-off period is considered a normal surrender. Normal surrender requires the policyholder to submit a cancellation application to the insurance company, and the insurance company will refund the cash value of the policy within 30 days after receiving the application.

3 ways to reduce the surrender loss of insurance during the non-hesitation period.

1. To shorten the insurance period, you can choose to negotiate with the insurance company to shorten the insurance period, and the policyholder can still enjoy the rights and interests on the policy after the insurance period is shortened;

2. Use "policy conversion" to adjust: many insurance companies in the market now have a policy conversion function, for example, if you originally insured annuity wealth management insurance, this insurance is expensive, and now you want to surrender the policy, but you will lose a lot of principal, at this time, if the annuity wealth management insurance is converted into protection insurance, the loss of interests will become very small;

3. Use the grace period to postpone the payment, now many long-term life insurance companies provide time grace, the time grace period is generally 60 days, if the policyholder does not pay the insurance premium for more than 60 days, then the policy begins to lapse, but the policyholder can continue to pay within two years, then the policy can continue to take effect.

If the annual premium is 8000, you should only be able to refund about 1,000 a year after buying it! I used to pay more than 5,000 points a year, and I paid more than 2,000 points in three years