I have just paid for two years of Li an life insurance, how much can I get back when I surrender the

Those who plan to surrender the insurance must first think about how much they will refund and how much they can return? The guide is sent::《 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 under an insurance policy is divided into the following situations:

(1) Full surrender

There are usually only a few cases in which the policy can be surrendered in full:

1.Surrender during the cooling-off period

Generally, there is a hesitation period for buying insurance, and the surrender of the insurance within the hesitation period can be refunded in full, and the cost of production will be deducted, generally 10 yuan, and the hesitation period is usually calculated after the contract receipt is signed, usually ten days, and the contract will be clearly written.

2.It is signed

If the operation of some salesmen is not standardized, and the signature of the insurance contract is not the signature of the person, then the application for surrender can be refunded in full.

3.There is evidence

If it can be proved that the person violated the rules or deceived the consumer, the full premium can also be refunded if the application for surrender is also possible.

(2) Refund of cash value

If the hesitation period has been exceeded, then the cash value can only be refunded, and the cash value must be savings life insurance, such as long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, universal insurance and participating insurance; Accident insurance, one-year medical insurance, etc., generally have no cash value.

If you want to know the cash value of the policy, you can read the contract or call the insurance company to ask, you can calculate it in this way:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it will be divided into two parts, one part is the fixed insurance money to be given to the customer, and the other part will change according to the company's operating conditions, this part is called dividends, which is uncertain. If you don't think you understand it very well, you can look here:

"Demystifying the Mystery of Dividend Insurance".

It can be found that if the policy has been surrendered after the cooling-off period, the money that can be 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!

Have an insurance policy in hand, right? There's a word in the insurance policy called cash value, which is the money you can get back.

This depends on the insurance contract in your own policy, which cannot be generalized, and some types of insurance cannot be surrendered.

In most cases, I don't recommend surrendering the policy after paying the insurance, as this can lead to a large cash loss and expose the user to no protection. Before users buy insurance products, users need to comprehensively consider their real needs, and at the same time, they need to choose the right insurance products according to their own economic strength. Regarding the issue of surrender, I will explain in detail from the following points.

1. You need to determine the type of insurance you have.

There are many types of life insurance, such as critical illness insurance and medical insurance, which we often mention, as well as cancer insurance and life insurance, and some users will also buy annuity insurance and financial insurance. Different types of insurance have different surrender requirements, for example, most critical illness insurance and all medical insurance cannot be surrendered, and most life insurance and annuity insurance can be surrendered, but there will be some cash costs. <>

Second, you need to check the insurance contract and judge how much you can refund according to the insurance contract.

You will never find the right answer to this question you are asking, because each insurance contract has certain particularities, and different types of insurance and different protection conditions will also determine the cost of your surrender. Under normal circumstances, if you have paid for less than 5 years, you may need to surrender more than 50% of your premium. If you have been paying for more than 5 years, you will also lose at least about 30% of your premiums.

3. I do not recommend that you surrender the policy early.

As I said above, since you have subscribed to the insurance product, if the insurance product can take effect normally and can provide you with some protection in your life, I recommend that you continue to pay for this insurance product. If this insurance product is not suitable for you, you can also choose to stop losses in time and configure the insurance type that meets your real needs. But no matter what, the surrender will definitely bring you a very big loss, and I suggest you think about it.

If the policy is surrendered at this time, then only 95% of the amount can be refunded, because a certain handling fee will be deducted at the time of surrender.

Hello. There are two main types of insurance surrender, one is the hesitation period surrender, and the other is the normal withdrawal of the insurance, that is, the surrender after the hesitation period. After the insurance is purchased, there will generally be a hesitation period of about 15 days, and if the insurance is surrendered at this time, whether it is Chinese Life or other insurance companies, it will only charge a certain amount of production cost, generally about 10 yuan, and then refund the paid premium without interest; The longer the premium is paid, the higher the cash value of the policy until it reaches a top.

In addition, after surrendering the policy, you will not be able to enjoy the corresponding protection, and insurance such as critical illness insurance will become more and more difficult to insure as you get older.

If you have purchased life insurance, you can surrender the policy to 70% to 80%**, and it is not possible to surrender the policy in full.

If you have not passed the cooling-off period, you can surrender the policy in full. If the cooling-off period has passed, the money refunded is the content of the cash value.

Hello, may I ask if I bought an insurance with a dividend of 70,000 yuan in February last year, saying that it was a cover of 5 years and a return of 10 years, but it turned out that the years were too long, and the time to pay this year was coming soon, I wanted to surrender the insurance, and I was afraid that the loss was too big, and I didn't know how to reduce the loss?

If you want to surrender after paying Chinese life insurance for three years, you can probably only refund a small part of the money, and the insurance you pay should generally be 15 years, 20 years or 25 years, and there is no life insurance that only needs to be paid for three years. And if you want to surrender the policy after paying for three years, the amount to be refunded is very small. Probably the money returned to you is only about 10% of the original policy amount.

If you pay 10,000 yuan a year and 30,000 yuan in three years, then you may only be able to return 2,000 or 3,000 yuan at most if you want to surrender the policy.

1. Life insurance.

If you want to surrender after paying Chinese life insurance for 3 years, the approximate amount of money you can refund is calculated according to the regulations of the type of insurance you purchased at that time.

I paid for 9 months, 700 per month, anxious to use the money, want to surrender the insurance, 700 9 = 6300, can be refunded only about 4000, alas