The salesman paid the premium in advance, and I surrendered the policy during the hesitation period,

Then the business deserves it, hey

I don't understand this, how did you fool people? Your relatives and friends around you have been cheated by you! Insurance surrender is the cash value of the surrendered policy, and the cash value is far less than the principal, and it is impossible to refund a few dollars.

You have to understand that it is the insurance that calculates you, not the insurance. Insurance, except for accident insurance, other types of insurance are fooling people. People who have bought life insurance have been fooled, because you can't withdraw money at any time, and you will lose a lot of money when you withdraw the money, until you die, and the disease you still have when you die must be the same as the disease in the insurance contract, word for word, in order to get a claim.

When a child is born, he talks about death insurance, which is a curse to die quickly! Insurance only talks about cash value, not principal and dividends. If the insurance has a contract liability, he will have a cash value and dividends, and if the contract liability does not occur, he only talks about the cash value, and the cash value insurance contract has a cash value table on it, how many years is how much it is, you will understand it when you read it.

That money is far less than the principal, whether it is withdrawing money, surrendering, or the so-called conversion pension, it all depends on the cash value. The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium. Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal.

Remember later! The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and government bonds.

Therefore, participating insurance is to defraud customers of their money in the name of insurance.

There is no need to go through the insurance salesman to surrender the policy, even if you don't tell us the process, it doesn't matter, you can go directly to the insurance company with the relevant documents to handle the business。Some policyholders may regret the purchase of the insurance and want to surrender the policy without knowing what to do. In this case, do not delay the time and handle the surrender business within the hesitation period as soon as possible.

1. The difference between surrender.

There are usually two types of surrender, the first is normal surrender and the second is surrender during the cooling-off period. Normal surrender can only refund the cash value of the policy, which means that the policyholder needs to bear a part of the financial loss. If the policy is surrendered within the cooling-off period, the insurance company will refund all the premiums paid by the policyholder, and some insurance companies will deduct about 10 yuan of the cost according to the regulations.

The cooling-off period usually refers to 10 days after the completion of the insurance contract, which needs to be determined according to the provisions of the insurance contract.

2. Consultation related processes.

3. Go to the insurance company to handle business.

After determining the documents that need to be carried, we go directly to the insurance company to handle the surrender business. After arriving at the insurance company, you usually need to fill out a surrender application first, indicating your ID number, mobile phone number, reason for surrender, surrender time and other relevant information. After that, we hand over the surrender application to the relevant staff, and then we can go home and wait for the notice, which will be approved by the relevant departments of the insurance company, and the policyholder will receive a notice after the approval is completed, and then go directly to the insurance company to receive the refunded premium.

Depending on the insurance company, the surrender process may vary slightly. Therefore, the specific process still needs to be subject to the regulations of the insurance company.

You should contact the salesman, or you can also go to the insurance company to find their leader, show your own certificate, and then you can handle it.

At this time, you can go to the counter of the insurance company to handle it, you can go directly to the counter to handle it, and contact the salesman directly for processing.

You can go directly to their store to request a surrender, so that they will quickly help you solve this matter, which is very convenient.

You should personally go to the insurance company to deal with this matter and ask the sales staff to refund the insurance for you.

The impact and loss of surrender on the salesman is nothing more than the impact of commission income and assessment. The impact on the commission should also be specific to the customer at which stage of withdrawal, such as the hesitation period.

Within, after the hesitation period. As for the impact of renewal, it is also based on the basic law of different companies.

Specifically, it depends on the impact on the renewal assessment.

1. The impact of surrender on commission income.

First of all, we need to know a premise, the commission income of insurance is issued in several years, the commission in the first year is the highest, and the subsequent ladder is decreasing.

Scenario 1: Surrender during the cooling-off period.

We know that insurance has a hesitation period, during which the premium can be refunded in full, and if the policy is surrendered within the hesitation period, then the insurance salesperson will not get a penny of the commission.

Scenario 2: Surrender within 1 year of purchase.

We know that there is a loss in surrendering after the hesitation period, and at this time, the salesperson has already received the first year's commission, and the subsequent commission will not be available, but fortunately, the commission in the next few years is very low, and it will generally not add up to the first year.

Scenario 3: Surrender the policy 3 years after purchase.

If this insurance has been bought for more than 3 years, the surrender has little impact on the salesman, and the current domestic surrender rate is still quite high. Since the reform of life insurance rates in 2013, more and more cheap products with good protection have been listed, and many will naturally choose to surrender the products in the past.

2. The impact of surrender on the assessment of salesmen.

In addition to the impact of commissions, insurance companies will also have a series of assessments for salespeople, and I have consulted some of the company's basic laws, mainly related to some assessment indicators such as renewal rates.

If a salesman's monthly premium is 200,000, the surrender premium of 10,000 will not have much impact on the assessment.

Therefore, it is recommended that you do more homework before buying insurance and think about whether this insurance is what you need. And don't be lazy and troublesome, buy as soon as your mind is hot. After buying, check all kinds of homework and information, and in the end, you will be haggard, and you have to worry about whether the surrender will have an impact on the salesperson.

Today, I mainly talked about the loss of surrender to salespeople, and I am not encouraging everyone to surrender blindly, just as I do not encourage everyone to blindly insure.

When we buy or surrender an insurance policy, it should make our insurance portfolio more complete and reasonable, and all means should serve this goal.

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.

Extended Information: 1. Surrender.

Surrender 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.

1. Surrender during the hesitation 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.

2. 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.

Surrender during the cooling-off period without going through the salesman who sells to you.

"Cooling-off period" means that within 10 days (15 days for bancassurance channels) after receiving the insurance contract, if the policyholder does not agree with the content of the insurance contract, the policyholder can return the contract to the insurer and apply for cancellation. During this period, the insurer agrees to the policyholder's application, cancels the contract and refunds all the premiums collected. This 10 days (15 days for the bancassurance channel) is commonly referred to as the "cooling-off period".

If you surrender the policy during the cooling-off period, you must pay attention to the following points:

First of all, if you are unable to receive the policy in time due to special circumstances, it is best to notify the insurance company in advance.

Secondly, after receiving the insurance policy, be sure to fill out the policy receipt in person and indicate the date. This is because the insurance company's determination of the cooling-off period is calculated based on the date of receipt.

Thirdly, the policyholder must carefully read the terms of the insurance, and if he does not know enough about himself, or has a deviation in his understanding, he must ask the person in time to avoid misinsuring.

Surrender must be handled by a salesman. According to Article 38 of the Insurance Law of the People's Republic of China, if the policyholder requests to terminate the contract before the commencement of the insurance liability, the insurer shall pay a handling fee to the insurer, and the insurer shall refund the insurance premium.

If the policyholder requests to terminate the contract after the commencement of the insurance liability, the insurer may collect the insurance premium for the period from the date of commencement of the insurance liability to the date of termination of the contract, and refund the remaining part to the policyholder.

The insured value of the subject matter of insurance may be agreed upon by the policyholder and the insurer and stated in the contract, or it may be determined according to the actual value of the subject matter of insurance at the time of the occurrence of the insured event. The insured amount must not exceed the insured value; If the insured value is exceeded, the excess part shall be invalid. If the insured amount is lower than the insured value, the insurer shall be liable for compensation in accordance with the proportion of the insured amount to the insured value, unless otherwise agreed in the contract.

You don't need to let the salesman know when you surrender the policy, because the salesman has already got his due handling fee when you buy, so your surrender will not affect his performance or income at all, but you don't need this protection for the time being! So you can rest assured to surrender the policy!

Just take the bank card, ID card, and contract to the business hall to handle it, but the business hall is to call the responsible salesman to notify the customer of the news of surrender. It's impossible not to let the salesman know.