After paying the insurance for 5 years, I don t want to pay it now, can I get a refund of the money

Can be dropped, flexible employment personnel.

Surrender is conditional, i.e., it can only be processed when the retirement age is reached; It is not cost-effective to surrender the policy, and it is even less cost-effective to continue to pay the premiums through other ways to avoid financial losses and loss of retirement security.

First, the conditions for the surrender of the policy. At present, the conditions for the surrender of insured persons are very strict. Due to pension insurance.

It is divided into an overall part and an individual part, in accordance with the Social Security Law.

Personal account funds may not be withdrawn in advance. The non-early withdrawal means that an individual cannot withdraw until the statutory retirement age has been reached. This withdrawal actually includes the surrender of the policy.

Then there are strict conditions for individual surrender. First, the insured person has reached retirement age and has not paid for 15 years; The second is to repeatedly participate in the insurance and terminate the labor relationship.

Target; Third, the insured person has settled abroad; Fourth, the insured person died. Therefore, if a flexible employee wants to surrender the insurance, he or she must wait until he reaches retirement age and has not paid social security for 15 years.

Second, surrender is very uneconomical, even if you reach retirement age, and because you have not paid for 15 years, you can apply for surrender, and you can only return the funds and interest belonging to your personal account. When flexible employees pay endowment insurance, the actual contribution ratio is 20%, of which 12% belongs to the overall account, 8% belongs to the personal account, and can only return 8% of the personal account when surrendering, accounting for about 40% of the total amount of their own contributions, and losing more than 60% in vain.

Third, it is the best policy to continue to pay. It is understandable that people who are flexibly employed are unable to pay due to temporary financial difficulties due to unstable income. So it is advisable to do it like this:

First, when the economy is in difficulty, it will not be paid temporarily. If there is an opportunity to work in the employer during this period, the employer will continue to pay, and the part that is interrupted in the middle can be ignored;

The second is to continue to pay when the economy improves. People can't be in a difficult period forever, and after a few years, they have plenty of money and a better life, and they can continue to pay social security. and so on to reach the statutory retirement age.

If you have paid contributions for 15 years, you can go through the retirement procedures and receive a monthly pension.

The third is that it really can't work, there will never be a day to get ahead, and the economy continues to be difficult, so you can pay social security for urban and rural residents.

Pay according to the lowest grade, pay for 10 years, plus 5 years of social security for employees, reach the statutory retirement age, and go through retirement procedures according to the social security of urban and rural residents, so that the two social security are connected, you can receive the pension on a monthly basis, and also avoid the economic losses caused by surrender.

Yes, it can be refunded. The customer has the right to surrender the policy at any time, take yours.

Original ID card.

Original bank card.

Original insurance contract.

Go to the nearest insurance company counter to complete the surrender procedures.

The surrender amount is the cash value of the current year (page 3 or 4 of the contract), for example, the 5th year corresponds to the cash value of the 5th year. The surrender loss is significant.

Summary. Hello, if you want to surrender the policy, it will be according to the cash value table for the 5th year, and you will be refunded the premium. The cash value table for the fifth year is about 90% of the total premium, for example, if you pay a total of 50,000 yuan in premiums, you can only get 45,000 yuan back.

I bought the insurance for 5 years, I don't want to continue to pay it, I plan to surrender the policy, I want to ask how much I can refund?

Hello, if you want to surrender the policy, it will be according to the cash value table for the 5th year, and you will be refunded the premium. The cash value table for the fifth year is about 90% of the total premium, for example, if you pay a total of 50,000 yuan in premiums, you can only get 45,000 yuan back.

The cash value is the value of the policy you purchased, and generally when you buy long-term life insurance, each insurance contract is accompanied by a cash value table, which is convenient for customers to check by themselves. When we decide to surrender the policy, the cash value is the amount we can get back.

The pension insurance has been paid for 5 years and the money is generally not refundable. Except in exceptional circumstances.

1. If the rural household registration chooses to liquidate the personal account of endowment insurance when leaving the job, the accumulated amount of the personal account and the interest can be refunded to me at one time, and the payment record will be cleared at the same time, and the payment will be processed according to the new insurance in the future, and the payment period will be recalculated. 2. Under normal circumstances, urban hukou cannot be liquidated.

There are benefits to paying more pension insurance. If you pay more pension insurance, the more pension you can receive after retirement. The pension insurance of enterprise employees is withheld and paid by the unit, and the proportion of payment is related to the wage income of the employees and the local economic situation.

1. Endowment insurance, the full name of which is the basic endowment insurance of society.

It is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers after reaching the working age limit for relieving labor obligations stipulated by the state, or after retiring from labor due to old age.

Endowment insurance is an important part of the social security system and one of the most important types of social insurance. The purpose of endowment insurance is to ensure the basic living needs of the elderly and provide them with a stable and reliable life**.

2. There are two ways to pay endowment insurance.

One kind of shirt crack is handed over by the company, and the other is handed over by oneself. The amount of pension insurance paid by the company is prescribed, and it is not a choice for oneself. However, it is more flexible to pay pension insurance by yourself, and there are generally 10 stalls to choose from in various regions.

Recently, many places have adjusted the standards of these world round grades and raised the upper limit of payment. "

Legal basis:"Social Insurance Law of the People's Republic of China

Article 15 The basic pension consists of a pooled pension and a personal account pension. The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Article 21 The new type of rural social endowment insurance benefits shall be composed of basic pensions and personal account pensions. Rural residents who participate in the new rural social endowment insurance and meet the conditions stipulated by the state shall receive the benefits of the new rural social endowment insurance on a monthly basis. "

Legal analysis: Pension insurance cannot be refunded if it is not paid for 5 years. According to Article 14 of the Social Insurance Law of the People's Republic of China, personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the interest rate of bank fixed deposits, and interest tax shall not be levied.

In the event of the death of an individual, the balance of the personal account may be inherited.

Legal basis: Article 14 of the Social Insurance Law of the People's Republic of China Article 14 Personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited. Searched.

Summary. Legal basis: Although the insurance can be surrendered after five years without renewal, the insurance company will only refund the cash value and will not refund the full premium.

The specific surrender method is as follows: 1. You can go to the local counter of the insurance company to submit a surrender application, bring S copy Z, the policy and the bank account, fill in the surrender application instructions at the counter, submit the information to the staff, and wait for the approval of the refund, and the amount refunded will be directly credited to the bank account in about 7 working days. 2. You can contact the insurance salesman and hand over the information such as S copy Z, policy and bank account to the insurance salesman for processing.

3. You can go through the insurance company's VXG ZhongH, handle the surrender business on G Zhongh, enter my, click on the corresponding policy, enter the policy details and have a surrender button, click on it to enter the process, you only need to operate according to the prompts on the page. 4. If you apply for insurance through the insurance brokerage platform, you can apply directly to the insurance brokerage platform you have insured, and surrender the insurance according to the prompts on the page. 5. You can also surrender the insurance by calling the official ** of the insurance company.

<>From a legal point of view, surrender is the right of the policyholder, and the general insurance can be refunded during the hesitation period, and the surrender of the policy can only be returned after the hesitation period, and the cash value of the policy can only be returned after the hesitation period, and there will generally be a large loss, and it is not recommended to surrender the policy after the hesitation period.

Legal basis: Although the insurance can be surrendered after five years without renewal, the insurance company will only refund the cash value and will not refund the full premium. The specific surrender methods are as follows:

1. You can go to the local counter of Hengchangmin Company to apply for surrender, bring S copy Z, policy and bank account, fill in the surrender application instructions at the counter, submit the information to the staff, and wait for the review to pass, and the amount refunded will be directly credited to the bank account in about 7 working days. 2. You can contact the insurance salesman and hand over the information such as S copy Z, policy and bank account to the insurance salesman for processing. 3. You can go through the insurance company's VXG ZhongH, handle the surrender business on G Zhongh, enter my, click on the corresponding policy, enter the policy details and have a surrender button, click on it to enter the process, you only need to operate according to the prompts on the page.

4. If you apply for insurance through the insurance brokerage platform, you can apply directly to the insurance brokerage platform you have insured, and surrender the insurance according to the prompts on the page. 5. You can also surrender the insurance by calling the official ** of the insurance company.

Hello, according to your problem, the insurance can be surrendered after five years of purchase. Surrender is the right of the policyholder, the general insurance can be refunded in the cooling-off period to surrender the full premium, and after the cooling-off period surrender can only return the cash value of the policy, there will generally be a large loss, it is not recommended to surrender the policy after the cooling-off period. As long as you bring your ID card, insurance contract, bank card, and go directly to the insurance company to apply for it.

However, there is a loss in surrender, so it is still carefully considered, and like long-term insurance has a two-month grace period, that is, it can be paid within two months after the payment date, if the funds are really tight, it can also be reinstated within two years, as long as the premium is paid at that time, and then pay some late fees. Under normal circumstances, the surrender of the insurance for 5 years can only get back the cash value, because the hesitation period has passed at this time, so the insurance company will deduct a series of expenses before returning the cash value to the policyholder, and the cash value of the insurance for five years will not be too high, only about 30%-50% of the premiums paid. Therefore, the loss that needs to be borne by surrendering the policy is relatively large, and it is recommended that you consider it carefully before surrendering the policy, and try not to surrender the policy until it is absolutely necessary.

And when different types of insurance are surrendered, the insurance company will refund the premium according to different proportions, you can look at the insurance contract before surrendering, and find the cash value table to check to know how much money you can get back. <>

Legal analysis: After paying the insurance for a few years, it can be refunded if you don't want to pay it, and the insurance can be surrendered at any time, but the surrender during the hesitation period only charges the cost of contract production, and the surrender exceeds the hesitation period, and only the cash value is refunded. Insurance is a contract, surrender before the expiration of insurance is a unilateral breach of contract, they will definitely have losses, but also caused a lot of losses to the insurance company, the specific amount of surrender money, you can find out the insurance contract, which should have the relevant agreement on the cash value of the insurance.

Legal basis: Article 47 of the Insurance Law of the People's Republic of China If the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, return the cash value of the insurance policy in accordance with the contract.