Can I get my insurance back if I don t want to pay it for a year?

Introduction: Nowadays, people have a stronger and stronger sense of leaving a way out for themselves, so insurance came into being, and many people hope to buy a satisfactory insurance for themselves. But insurance is a risk-averse measure, if you don't want to pay the insurance for a year, can you return the money you paid to yourself at this time?

First, most of them can't. Since the insurance has been paid, there is probably no way to return it. If you hear someone say that the insurance you pay can refund the principal, then it must be wrong, because there are many ways to insurance, but it is absolutely impossible to completely return the principal to the consumer, otherwise the insurance company will not even recover the cost, how to reduce their insurance risk?

Therefore, it is impossible to expect that the insurance you have paid for a year can be refunded to yourself, so at this time, you need to consider whether you can achieve your hope if you pay or not, and what will happen if you don't. <>

2. Can I not pay the insurance after buying it for one year? At this time, if you have bought it for a year and do not pay it, it will be regarded as giving up your contract, and then the cost of insurance will be directly equivalent to dissipation, and you will not get any benefits, and you will waste a year's insurance money. This situation is not a few, many people want to continue to pay because they have paid the money, and let themselves continue to invest in it, but it is not the insurance in their hearts, this practice is an irrational consumption behavior.

Insurance is also a commodity, and if you are not rational, you may lose more and more. <>

3. So what should I do? First of all, your name is Dawn.

The insurance, the current insurance company will deal with it humanely, and choose to give you a chance to change the insurance, that is, the money of this insurance is invalid, and then the money of this insurance can be exchanged for other similar insurance, at this time, you can pick a good insurance within the scope he gave, which is also a good choice. But there are some insurance companies that are not popular, he will not give his customers such a chance to regret this, then you must know how to make trade-offs, if you pay not as much as you get, then it is better not to pay the money in vain.

Yes, but when you terminate your coverage, all the coverage you have purchased will also be terminated. The money I paid for a year was also in vain.

How to apply for surrender and documents to be prepared:

Customers visit the customer service center to make inquiries about Ping An Life's customer service center and cooperative banks, and make an appointment to visit the counter in person. Required documents: Application for cancellation of insurance contract ID card of the policyholder (if the surrender benefit is 0, a copy of the ID card can be used) A copy of the passbook of the personal bank settlement account in the name of the policyholder Insurance policy (not required for the refund of additional insurance or electronic policy only).

The customer entrusts the salesman to go to the customer service center to handle the inquiry of Ping An Life's customer service center and cooperative banks. Required documents: Application for termination of insurance contract Power of attorney ID card of the policyholder (if the surrender benefit is 0, a copy of the ID card can be used) ID card of the agent A copy of the passbook of the personal bank settlement account in the name of the policyholder Insurance policy (not required for the refund of the rider or electronic policy only).

Note: When entrusting a salesman, the trustee is limited to the service personnel of any valid insurance policy under the customer's name; In the case of entrusting another person to handle the application, the trustee can only handle the application to the parents, spouse, children and other immediate family members of the applicant who are eligible.

In today's society, we can encounter a lot of dangers, after all, accidents will occur every day, we always don't know when we will encounter such an accident, in today's accidents occur so frequently, most people in order to protect their medical expenses, will buy a certain share of insurance for themselves to protect themselves, for this will also fill in a fixed insurance beneficiary, in this case, most of the people will carry out a groping for insurance, In the end, which company will be the most cost-effective to buy, and can protect yourself for a long time, this is also one of the questions worth studying, and you need to be cautious during the purchase.

Before we buy insurance, we must clearly understand which problem the insurance will protect themselves, and the insurance from the effective date is also how much to pay and so on are to understand, before paying the funds they are also able to know what rights and interests the insurance will protect themselves, but after the purchase of insurance, everyone will have a regret psychology, after buying a year of insurance, they do not want to continue to pay funds, can you return this insurance?

In fact, if you want to return the insurance, you must first look at how long the validity period of the insurance is, and some insurance is very short-lived, as long as we do not continue to pay the funds after the validity period of the insurance, it will be regarded as automatic invalidation, and the insurance will not continue to protect our rights and interests, which is a tacit thing for both parties; The second is that the insurance contract indicates how long the purchase date still needs to pay the funds, so there is no way to return the insurance, once you want to return, there will be liquidated damages for breach of contract, this part of the liquidated damages need to be paid by yourself, which makes everyone think carefully about which type of insurance should be purchased when buying insurance, which is more secure for yourself.

It can be refunded, but there will also be relevant handling fees, and the surrender also needs to go through the process, so it is relatively not cost-effective to surrender.

Generally, long-term or return-based insurance plans can be surrendered in the middle of the policy. However, this kind of halfway surrender will be more loss, under normal circumstances, only the cash value of the policy can be refunded, so be prepared for losses.

Hello, you can refund, but you have to think clearly, the surrender of insurance will be lost, especially commercial endowment insurance, life insurance products with more insurance costs. It is best to discuss with the ** person how much will be deducted in the surrender of the policy, and it is generally recommended that it is better to surrender the policy after two years of insurance or in the middle of the next payment.

1. Surrender.

You can first take a look at how your insurance contract is written, if the insurance contract says that it can be refunded, you can go directly to the insurance specialist to refund it, if the insurance contract says that it cannot be refunded, you may have to deduct a lot of handling fees if you want to refund.

If you don't want to pay the insurance for one year, you can get it back, and you need to prepare the following materials to return the insurance: application for termination of the contract; insurance contracts; Proof of the policyholder's legal identity. There are two types of surrender:

1. Surrender during the hesitation period: The surrender during the hesitation period refers to the surrender of the policy during the hesitation 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 hesitation period is 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.

It can be refunded, and at this time, you should go to the relevant insurance company to surrender the policy, and you can get a very good handling. It's because.

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.

If you pay the insurance for one year, you don't want to pay it in the second year, you can't get a full refund, and the loss is very big.

According to the Insurance Law of the People's Republic of China, if the policyholder terminates the contract and has paid the insurance premium for more than 2 years, the insurer shall refund the cash value of the insurance policy within 30 days from the date of the notice of termination; If the insurance premium is not paid in full for 2 years, the insurer shall refund the insurance premium after deducting the handling fee in accordance with the contract.

In practice, when the policyholder surrenders the policy, the insurance company refunds a sum of cash according to the cash value table.

However, in the first two years of purchasing an insurance policy, the insurance company underwrites, makes the policy, settles the handling fee of the person, the salary of the employee and other insurance expenses are large, and the insurance premium refunded by the insurance company after deducting the handling fee is very small.

Insurance Law of the People's Republic of China

Article 16 Where the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when concluding an insurance contract, the policyholder shall truthfully inform the insurer.

If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

The right to terminate the contract provided for in the preceding paragraph shall be extinguished if it is not exercised within 30 days from the date on which the insurer becomes aware of the reason for termination.

If more than two years have elapsed since the date of the conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

If the insurer is aware of the failure of the policyholder to truthfully inform the insurer at the time of conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

Summary. If you don't want to pay the insurance for one year, you can surrender it. However, the amount that can be refunded by the insurance company after surrender is not certain.

Generally speaking, if it is an insurance product with a one-year coverage period, the insurance company will not refund any fees after paying for one year of surrender; If it is a long-term insurance product, the insurance company can refund the premium paid during the cooling-off period, and if the policy is surrendered after the cooling-off period, it can only refund the cash value of the policy, but if it is a universal insurance, in addition to the cash value of the policy, it can usually also refund the money in the universal account.

Hello dear! I am Miss Zhang, a full-time lawyer of the Law Firm, and I am very happy to provide you with legal services, and I hope that I will help you.

If you don't want to pay the insurance for one year, you can surrender it. However, the amount that can be refunded by the insurance company after surrender is not necessarily a grinder. Generally speaking, if it is an insurance product with a one-year protection period, the insurance company will not refund any fees after paying for one year of surrender; If it is a long-term insurance product, the insurance company can refund the premium paid during the cooling-off period, and if the policy is surrendered after the cooling-off period, it can only refund the cash value of the policy, but if it is a universal insurance, in addition to the cash value of the policy, it can usually also refund the money in the universal account.

I hope mine is helpful to you, dear. If you have any questions, please feel free to ask, if you are satisfied with this service, can you give a attention and like?

paid 20,000 yuan, and he said that he only returned more than 8,000.

Five years. If you have purchased the corresponding insurance, it is the act of buying or wanting to surrender the insurance when you buy it to a certain extent, and all the money you have paid will not be refunded, and only part of it can be refunded.

Then I don't pay how much I will return after five years.

If you don't pay it, whether you can refund it after five years depends on the relevant provisions of your agreement.

He now asks me to pay it for another year and take it in five years.

If you are allowed to pay it for another year, you can receive it normally, and you can perform the bending fight according to the other party's requirements, after all, you have already paid it for many years, and it doesn't matter if you pretend to be annihilated for another year. Good. Support.

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