Surrender 20

It is purely an irregular operation of bancassurance, and there are many incidents similar to this deception of the elderly and misleading customers into thinking that it is a deposit. You can complain to the IA, but the main complaint is that the salesperson did not explain the insurance liability to the customer at the time of purchase, as well as the surrender loss and deceived the customer into just depositing and sending insurance. According to what you said, it's hard for the salesperson to come up with evidence that he explained this to your mother (using a highlighter to mark key terms on the contract, etc.).

You can also focus on saying that your mother did not graduate from primary school and was completely deceived, because the words on the insurance terms may not be fully recognized! Of course, there is no guarantee that the money will be fully returned. Give it a try.

Bancassurance, in fact, is just the bank staff selling insurance company products on behalf of the bank, so whether the full refund or not is still required by the insurance company to agree, many people think that the insurance sold by the bank is more credible, in fact, it is completely wrong. Just like our company also has its own company's direct sales, and there are also sales in the bank, the only difference is that the direct sales of the first person will be directly one-to-one service by the first person (door-to-door service, especially when settling claims, it is more precious); As for bancassurance, banks will not provide services, and insurance companies do not have special personnel to provide services, and only one department will coordinate and serve all customers. The quality of service is naturally incomparable.

Zhonghong Life Insurance Senior Life Insurance Consultant.

I can only admit that I am unlucky, there is no audio or video recording of what the staff said at that time, as long as it is signed by myself, it will take effect, there is no other good way, the insurance can not be refunded, and the loss is too great. There is a hesitation period in the insurance contract, and it would be good if the elderly took it home and called their family members to see it in time. You see when this insurance expires, if it's short, just wait, and see what it covers, maybe it can still be used.

Xueba talks about insurance, focusing on insurance evaluation! Critical illness insurance can not be bought casually, you must choose carefully according to your needs, if you carelessly buy the wrong insurance to surrender the policy, it is likely to cause economic lossesTop 10 [Not Worth Buying] Critical Illness Insurance Points!

Some people don't like to do their homework before buying insurance, so they buy it indiscriminately, and finally regret wanting to surrender the insurance. Then don't be sloppy in surrendering, before surrendering, it is recommended to read this article before decidingHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Normally, surrender will result in a financial loss to us, unless it is in one of the following two cases:

1.Cooling-off period surrender:After purchasing the insurance, there will generally be a hesitation period of 10-15 days, and if you surrender the policy within this time, you will generally not lose the premium;

2.Sales misleading:If you encounter the non-standard operation of the salesman when you buy insurance before, it is possible to refund the entire premium if the insurance contract is not signed by you.

If you are outside of these two situations, it will inevitably cause economic losses, and it is good to minimize economic losses, such as choosing to reduce the amount to pay off:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This will be more cost-effective than surrendering the policy directly, but be aware that not everyone can handle the insurance in this way, and this treatment will not apply to your insurance, and it needs to be confirmed with the insurance company.

In addition,There are also the following situations to note about surrender:

In general, it is best to return the old insurance after the waiting period has passed, and try to avoid missing coverage along the way.

2.Health Status:If you have some physical problems, you may not be able to pass the health notification of the new insurance, so it may be difficult to buy other benefits after surrendering the policy, so it is not recommended to return.

3.Payment card balance:If you have already thought about it, you will definitely surrender the policy, and it is recommended to clear the balance in the bound payment card to avoid being deducted again when the payment period is reached. Hope!

Bancassurance maturity repayment + more than the interest of savings, surrender will be a loss, because it is your mother's signature, so protected by law, if you surrender the insurance to bear liquidated damages!

If you forcibly withdraw your holdings, you just need to find the bank every day. Find a journalist.

After the expiration of Hongfubao Insurance, you can go to the Pacific Insurance Business Department to receive the principal and dividends with the policyholder's ID card, insurance contract, payment voucher and bank card.

1) After applying for insurance, you can receive 5,415 yuan every two years as family expenses such as children's education, family travel, and filial piety to the elderly (if you don't receive it, you can compound interest and accumulate it, and you can receive it when you need it).

2) After 10 years, you can receive a one-time 243675 yuan, plus 10 years of accumulated dividends, as the cost of children's study abroad, family home purchase or pension planning.

3) During the 10-year period, enjoy high protection for death, accidental death, and accidental death of vehicles.

Hehe, it's not down-to-earth because I don't understand, right? If you need to save plus protection, don't surrender the policy. If it's just temporary, it's better to return it to the bank.

Insurance is money for the future. Banks are used now. If an accident occurs within a few years, you can go to the bank and get the principal back.

In the event of an accident, the insurance company will pay out the sum insured. This is the function and meaning of insurance. If you say a word about banking law, banks can fail.

Under the Insurance Act, insurance companies cannot go bankrupt!!

It is very convenient to surrender the policy during the hesitation period, and there is no handling fee, etc., basically how much you pay and how much you refund.

Refund, 10 days after getting the policy is a normal hesitation period, within this period, it is very convenient to return, otherwise you can complain to the Bank of China and the insurance company. This insurance is basically ......

When applying for surrender, the policyholder needs to fill in the contract termination application form and provide these certificates and information: the insurance contract and the policyholder's valid identity document. The contract will be terminated when the insurance company receives the application for cancellation of the contract and the above-mentioned certificates and documents.

However, you need to note that if you surrender the policy after the cooling-off period, you can only return the cash value of the insurance policy, and you may suffer a certain loss, and the insurance company will refund the cash value to you within 10 days from the date of termination of the contract. When you surrender your policy, you also need to pay attention to these details: What details should you pay attention to when surrendering your insurance?

There is a 10-day hesitation period for both insurance companies, which refers to the period of 10 days from the date of receipt of the insurance policy and written receipt, if during this period, you feel that the policy does not meet your needs, or you have found other better products, then you can choose to surrender the policy, and the insurance company will refund the insurance premium you actually paid after deducting a certain amount of production cost. If some friends want to know the detailed evaluation content of this product, you can move to this article: Xinhua Huifubao Both insurance turned out to be like this!

It's incredible.

1. It can be taken, but the loss of funds is relatively large. Dasheng general insurance has a 7-day hesitation period, which can be withdrawn during the hesitation period, and there will be no loss of funds; If you withdraw the principal after the cooling-off period, there will be a certain loss, so you need to consult the staff of the Japan Post Bank for details.

2. If the policy has been in effect for less than two years, the company will refund the insurance premium after deducting the handling fee. The refund amount in the first insurance year is 94% of the premium paid; The refund amount in the second insurance year is 96% of the premium paid. That is to say, within the first year (within the first insurance year), only 94 yuan will be refunded if 100 yuan is paid, and only 96 yuan will be refunded if 100 yuan is returned after the first year (that is, within the second insurance year).

If the policyholder has paid the insurance premium for more than two years, the company will refund the cash value.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

After buying insurance, you can surrender the full amount during the hesitation period after signing the contract, and the surrender of the insurance that does not expire after the hesitation period may lose the principal, and communicate with the insurance company to see how to deal with it.

Summary. Hello, I am happy to answer for you, the details are as follows: 1. If you are insured with the type of insurance of life special survival fund and care fund, you need to issue a certificate with an insurance policy and the applicant's legal identity certificate to apply for it at the counter of the insurance company.

2. If you want to apply for death insurance benefits, the supporting materials that need to be submitted include the insurance policy, the applicant's legal identity certificate, the insured's household registration cancellation certificate, the death certificate of the insured issued by the public department or a hospital above the second level, and other materials that need to be submitted according to the insurance company, and you can also go to the insurance company's counter to handle it. I hope my answer is helpful to you

How to get back the Pacific Red Fortune Insurance when it expires.

Hello, I am happy to answer for you, the details are as follows: 1. If you are insured with the type of insurance of life special survival fund and care fund, you need to issue a certificate with an insurance policy and the applicant's legal identity certificate to apply for it at the counter of the insurance company. 2. If you want to apply for death insurance benefits, the supporting materials that need to be submitted include the insurance policy, the applicant's legal identity certificate, the insured's household registration cancellation certificate, the death certificate of the insured issued by the public department or a hospital above the second level, and other materials that need to be submitted according to the insurance company, and you can also go to the insurance company's counter to handle it.

I hope my answer is helpful to you

Huifubao Insurance is an insurance product sold by the bank, and it is a bancassurance product of Xinhua Insurance, which can be believed.

Your policy comes with a cash value table that shows the cash value of the policy for the corresponding year. Hongfubao is a term life insurance with a term of 10 years, a term of 20 years, and a term of 30 years.

One of the characteristics of Hongfubao is that you can receive 10% of the insurance survival fund every two years, and you can participate in dividends if you do not receive the survival fund; The other part is the dividend part, which is calculated based on the cash value of the policy, and since it is calculated as compound interest, the annual dividend can participate in the next year's dividend. In recent years, the annual interest rate of CPIC's participating insurance products has been above above.

It's impossible to determine exactly how much you'll receive in five years, but it's safe to know that it's best to get the most out of your insurance when it expires.

It is also worth mentioning that this type of insurance also provides accidental death benefit with multiple payouts, if you choose to surrender the policy in the middle of the policy, it will not only affect the income, but also the protection function will disappear.

Hongfubao is a term life insurance with a tenor of 10 years, 20 years, and 30 years. One of the characteristics of Hongfubao is that you can receive 10% of the insurance survival fund of the insurance money every two years, and you can participate in the dividend if the survival fund is not received;

Bring your beneficiary's (adult or policyholder) ID card, health insurance card (policy) and the last invoice (receipt), bank account (discount) card (depending on the insurance company, many insurance companies do not accept cash, but do transfer).

Hello, please bring the beneficiary's (adult or policyholder) ID card, health insurance card (policy) and the last invoice (receipt), bank account number (discount) card to the insurance company.

Bring the invoice for the last payment of the policy and ID card to the insurance company's window for cash.

The CIRC **12378 report shows how much the bank's recommended income can reach at that time, which is an inducement and can successfully defend rights.