How can the insurance be fully refunded, and how can the insurance be refunded in full

The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability.

Based on my more than 10 years of experience, surrender can be said to be the most common type of business handled by the customer service department in the field of life insurance, far exceeding the number of claims. Several major insurance companies surrender billions or tens of billions of insurance dollars every year. It can be seen that there are many customers who have surrendered their policies.

It should be said that surrender is the right of the policyholder. However, as long as the cooling-off period has passed, surrender often means a certain degree of economic loss, generally speaking, the earlier the surrender of the policy, the greater the proportion of loss, especially for the protection savings insurance.

Full surrender of the policy can be done in 2 cases:

1. If you have just bought it, the hesitation period will be 14-21 days, and the full amount will be surrendered, just like "return if you are not satisfied";

2. If there is evidence of misleading sales in hand, provide supervision or insurance company, and the policy can be surrendered in full;

It is recommended that you take a look at what kind of insurance you have. Guarantee what? What is the sum insured?

The contract has a cash value, which is the money that can be refunded when the policy is surrendered. See what the cash value is? How much money has been paid, and how much will I get back if I return it?

Surrender process:

1. Call the customer service of the insurance company** or go to the customer service center of the local insurance company to apply for surrender, because not all cases can go through the surrender procedures, such as the policy that has received the insurance money, it is not possible to apply for surrender.

2. The staff of the insurance company will inform you what materials need to be prepared when applying for surrender, generally including the original ID card of the policyholder, bank account, insurance policy, etc.

3. Bring the required materials to the major service outlets of the insurance to go through the surrender procedures, before the surrender of the policyholder to fill in the application for termination of the contract, submit the insurance contract and the legal identity certificate of the policyholder, and at the same time the insurance company will withdraw the surrender of the policy, and then will be in accordance with the agreed time to the refund to the policyholder's bank card account, generally about 3-5 working days The funds will arrive in the account, and the consumer can pay attention to the collection at that time.

It should be particularly emphasized that at present, there is a kind of "surrender black industry" targeting people who want to surrender insurance, and we should be particularly vigilant. These black market personnel include some employees who have left the insurance company, under the guise that the insurance can be surrendered in full no matter how long the insurance is long, and then help the policyholder to the insurance company to operate the surrender, and ask for a high share after the successful surrender. In fact, it is to use the salesmen of insurance companies to blackmail insurance companies by misleading sales, that is, violations, at the time of sales, which has aroused the vigilance of the regulatory authorities, and the law enforcement agencies are also cracking down on this kind of behavior.

Therefore, if the policyholder encounters this situation, he or she must learn to distinguish and avoid being deceived.

I hope mine can help you, and you can send me a private message directly for insurance inquiries.

1. The policy is still in the cooling-off period at the time of surrender

Usually, when buying insurance, the insurance contract indicates the hesitation period of the product (a good regret measure for some impulsive buyers), and the full premium can be refunded if the policy is surrendered during the hesitation period.

2. Signatures that are not signed by the person:

In the past, some insurance salesmen did not comply with the rules and signed instead of themselves, so that the signature on the insurance contract was not their own signature; In this case, you can request a full surrender of the policy. Now that the operation of salesmen is gradually standardized, and electronic insurance policies are also widely promoted, the possibility of this situation is relatively low.

3. Can I surrender the policy after the cooling-off period?

The policy can be surrendered, but it cannot be refunded in full, which will cause certain losses. For effective insurance that has passed the cooling-off period, if you choose to surrender the policy, you can generally only return the cash value, which will result in a large loss. (When signing the insurance contract, the terms will indicate the cash value of the early surrender return) and for some long-term insurance plans, usually its cash value will increase over time; The corresponding cash value (proportion) of the late insurance is generally greater than that of the early surrender.

Fourth, what are the other circumstances that can achieve a full refund?

1. The insurance company did not conduct a return visit.

The China Banking and Insurance Regulatory Commission requires insurance companies to conduct a return visit to the customer who has purchased the policy, and if the customer does not receive such a policy, he can also apply for full surrender.

2. Signed by the salesman.

If the policy is signed or stamped by the salesman, the policyholder can also apply for a full refund. However, if the policyholder has already paid the insurance premium, it shall be deemed that he has recognized the act of signing or sealing on behalf of the policyholder, and the policy cannot be surrendered in this case.

3. The salesman has misleading sales.

If the content of the insurance contract is different from what the salesman said, there is a big difference, if this is the case, you can apply to the insurance company for a full surrender. There are indeed some such situations in life, in order to complete their own sales performance, the salesman exaggerates the role of the product and induces consumers to buy.

5. What evidence is required for full surrender?

If the salesman has misleading behavior, then the audio recordings, video recordings, and chat records that can directly prove the salesman's behavior can be used as evidence of full surrender.

If you do not receive a return visit, you can directly submit a surrender application to the insurance company, and the insurance company has a record of the return visit.

1. Surrender during the hesitation period: The general insurance company will have a hesitation period, and the hesitation period is within ten days of the policyholder getting the policy, and within these ten days, the policyholder applies for surrender, and the insurance company will usually refund all the premiums after deducting the cost of production. 2. Normal surrender:

Normal surrender refers to the surrender of the policy beyond the cooling-off period, before the policyholder submits the surrender, the policy needs to be completed for one year, the policyholder directly to the insurance company to submit a surrender application, the insurance company will refund the cash value of the policy within 30 days from the date of receipt of the application.

Question: I have paid for four years, there are 40,000 yuan, how much can I refund if I have not renewed the insurance after a few years, and I will answer that the insurance surrender is according to the cash value of the insurance indicated on the page of the insurance policy. If you look at the insurance policy in your hand, it must have the cash value of the policy on it. In terms of calculation, this is an insurance company's business The calculation method is also very complicated, and ordinary people can't calculate it, this is their internal calculation.

If you want to refund the full amount of the insurance surrender, you can only refund it within the cooling-off period, otherwise there will be a certain amount of economic loss. If I surrender my policy after the cooling-off period, are there any ways to get more money back? Click here "How to cancel the wrong insurance if you buy the wrong insurance?" 》

One. How much can I get back when I surrender my insurance

1.Surrender during the cooling-off period.

The cooling-off period is generally 10-15 days.

Generally, the insurance company will refund the full amount of the premium paid by the consumer.

2.Surrender after the cooling-off period.

If the policy is surrendered after the cooling-off period, there will be a certain amount of financial loss.

The insurance company usually only refunds the cash value of the policy. The cash value is the money that can be returned when the policy is surrendered, the cash value of the policy is generally written in the insurance contract, the cash value is usually related to the payment time, the longer the policy is in force, the higher the cash value.

Therefore, if the policy is surrendered for a short period of time, the cash value of the policy is very low, and the surrender at this time will result in a greater financial loss.

Therefore, it is necessary to think carefully first to avoid excessive economic losses.

Two. How to surrender the policy correctly

1.The surrender loss is small during the cooling-off period.

2.Surrender after the waiting period for new products.

Once we want to surrender the policy, we must first supplement the corresponding protection for ourselves, so the surrender of the policy should try to wait until the waiting period of the new product before returning, even if the insured is unfortunately out of danger during this time, then you can still use the product you intend to surrender to make a claim.

3.Surrender after the grace period.

Within 60 days after the cessation of payment, even if you do not pay the premium, you can still get the insurance protection, and the insurance company will also pay the insurance if the insurance occurs during this period.

In general, how much money can be refunded by insurance surrender mainly depends on when the insurance is surrendered.

If you want to surrender the insurance after buying it, how to do it is the most cost-effective, there are three situations in which you can get a full refund. 1. The policy is still fully surrendered during the cooling-off period; 2. If there is misleading sales, the insurance can be surrendered in full; 3. If you do not receive a return visit from the insurance company**, or the return visit ** is not answered by yourself, you can also surrender the policy in full.

2. Normal surrender: Normal surrender refers to the surrender beyond the hesitation period, before the policyholder submits the surrender, the policy needs to be completed for one year, the policyholder directly to the insurance company to submit a surrender application, and the insurance company will refund the cash value of the policy within 30 days from the date of receiving the application.

If you have any other questions, you can continue to ask, and the review will not close the session.

What is the trick to a full refund?

1. Take advantage of the hesitation period. Generally, insurance companies stipulate that the policy has a cooling-off period of 10-15 days, and if the policy is surrendered during the cooling-off period, the premium is 100% refunded to the policyholder. You can ask about the length of the cooling-off period in advance before applying for insurance.

2. The application for the insurance policy is invalid. When applying for insurance, the policy receipt, insurance policy, insurance reminder, risk warning and other procedures need to be signed and copied by the policyholder, if it is not copied or signed by the policyholder, the policy is invalid, then you can apply for the policy invalid, if the insurance company verifies that there is no problem, you can apply for full surrender.

What exactly is surrender

The policy can be fully surrendered within the cooling-off period (10 or 15 days) after application. If the policy is surrendered after the cooling-off period, the cash value of the policy can only be refunded, which is a greater loss for the policyholder.

The cash value is how much the consumer's policy is worth now, which is how much money they will receive when they surrender the policy. However, in principle, the cash value will not exceed the total premiums paid during the premium payment period, so there will be a loss if the policy is surrendered.

The particularity of insurance is that it cannot be configured when it is needed, and it is often not used immediately when it is configured. When customers encounter capital turnover or have not come in handy for several years, there are always people who regret buying insurance and have the idea of surrendering the insurance, but there will be losses when they surrender the insurance.

Full Refund Insurance is only fully refundable if the policy is surrendered during the cooling-off period. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy.

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.

Many friends who bought the wrong insurance, how to surrender the family funds in full.

During the hesitation period, you can get a full refund, that is, you can get a full refund without thinking about it, but you can't get a refund after 15 days.

Full refunds are required before the insurance is valid.

There is no full refund for one case. Only if your insurance has not passed the cooling-off period (10 days) you can get a full refund. Also, if you have conclusive evidence, you can also get a full refund if you were deceived by the salesman.

If you don't want to buy insurance within these days, you can get a full refund, but if you apply for a surrender after a hesitation period, it is impossible to give you a full refund, so when buying insurance, you must consider it and make a decision to avoid unnecessary losses.

General insurance is not fully refundable, you buy it is to buy it can be refunded, some special secondary, for example, if you buy car insurance, you can refund those that are not so important, but what about the compulsory traffic insurance third-party insurance, generally do not need to be refunded, because those must be bought? If you want to refund, you can also go to the insurance company for advice.

Surrender the policy in full, unless you find the insurance company to mislead the salesman who found the insurance company to operate in violation of the rules or sell it to you at that time.

Is the hesitation period over? Generally, there is a hesitation period of about 10 days, if it is not enough, you can get a full refund, if it is not possible. Therefore, when buying insurance, you must read the terms clearly. I was also cheated by a colleague and bought garbage insurance.

It is impossible to get a full refund on insurance, and you should be glad that it gives you 30% back.

The 30-day period after the purchase of the insurance is the cooling-off period, and if you decide not to buy the insurance during the cooling-off period, you can refund the premium in full. After 30 days, you will not be able to refund the premium in full. If it is an accident, it should be settled according to the terms of the insurance, and it is not a refund premium.

How can I get a full refund from insurance? It depends on the time period you buy, he has a period of time when you have not considered it, for example, there are more than ten days to think about going, you are within this range, you can get a full refund, if you are not within this period it is difficult to refund.

Insurance shouldn't be able to do a full refund, after all, people have regulations.

How can I get a full refund from insurance? You want to get your policy back. I don't want to renew my policy.

Your sum insured is refunded. It is not possible to refund the full sum insured to you. It's all a few percent of the deduction for you, and the full amount is not returned.

You have to have a premium. Well, there is no full refund.