How to refund the premium of Chinese Life? How long does it take to surrender a policy?

In real life, everyone's insurance awareness is very. Many people, in order to reduce their risk, will buy an insurance policy for themselves. But sometimes, for various reasons, the process is not pleasant, so many people will surrender the policy.

So how to refund the premium of Chinese Life? If we have a surrender need, we can send a corresponding request to the insurance company, and then follow the relevant requirements. Under normal circumstances, the surrender of the policy needs to be reviewed for about 30 days.

This time is still relatively long, but there is no way, because this process has this requirement, so we can only follow the corresponding requirements. In our real life, the surrender of insurance is actually more frequent. So do you know what are the reasons for general surrender?

Let's take a brief look at it below. <>

The first is to deceive customers. In our real life, most of the surrender cases are due to a certain amount of deception. So the customer is very dissatisfied.

At this time, everyone will naturally choose to surrender the policy. There is no way around such an outcome. After all, in this society, what is most afraid of deception, let alone buying insurance, if there is deception at the beginning, then how can the insurance content be trusted?

Second, the promise was not fulfilled. We know that in real life, a lot of insurance business people, they want to facilitate the transaction. When selling insurance, it will be a bit exaggerated.

So they will easily promise something to the customer, when the customer really needs something. They push far away, and in this case, the customer will definitely not be happy, so there will be a lot of surrenders. <>

Buying insurance is a serious matter. So everybody has to take it seriously, because only then can we really reduce some of these impacts. Whether it's a salesman or a customer, we all need to do a good job.

Only in this way can his influence be truly reduced.

Write the corresponding documents to a professional place to handle the policy before you can surrender the insurance. You will need a policy cancellation application form and a bank card. Generally, it is within 7 days of review.

You can contact the salesman, consult him about relevant questions, and go through the due process. Generally speaking, a week is fine.

You can take your policy to the insurance specialist, then communicate, and bring your ID. If you want to surrender the policy, it will take about half a month.

The surrender process of Chinese Life Insurance is as follows:

1. The policyholder calls Chinese Life customer service ** "95519" and submits a surrender application. When the surrenderer surrenders the policy, he must first submit a surrender application to Chinese Life, stating the reason for the surrender and when the surrender began, and sign or affix the official seal.

2. Explain the reason for surrender and the surrender time to the insurance company, and submit the surrender materials (application for termination of the insurance contract, ID card of the policyholder, copy of the passbook of the personal bank settlement account with the policyholder as the account name, insurance policy, and the original payment voucher of the last installment) according to the requirements of the insurance company

3. After reviewing the surrender application, Chinese Life will issue a surrender approval form, which will indicate the surrender time and the amount of premium to be refunded, and collect the insurance policy at the same time.

4. The surrenderer can collect the refundable insurance premium at Chinese Life with the surrender approval form and ID card.

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Surrender process.

1. Go to the customer service center to handle it in person.

Application for cancellation of insurance contract.

ID card of the policyholder (when 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 rider refunds or e-policies).

2. Entrust others to go to the customer service center to handle it.

Application for cancellation of insurance contract.

Power of Attorney.

The identity document of the policyholder (when the surrender fee is 0, a copy of the ID card can be used).

Agent's identity document.

A copy of the passbook of the personal bank settlement account in the name of the policyholder.

Insurance policy (not required for rider refunds or e-policies).

3. **Handling.

Consumers can call 95519** to surrender the policy.

2. Application for surrender materials.

1. If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder.

2. A valid insurance contract and proof of the last payment.

3. Proof of identity of the policyholder.

4. If the applicant entrusts another person to handle it, the power of attorney of the policyholder and the ID card of the principal shall be provided.

The specific circumstances of the surrender of Chinese Life Insurance are as follows:

First, life insurance generally has a 10-day hesitation period, during which the surrender can be fully refunded, and there will be a certain loss when the policy is surrendered outside the hesitation period, and only the cash value at that time will be refunded, and the cash value will be stated in the contract.

Second, the surrender process of Chinese Life Insurance:

1. When the policyholder requests to terminate the contract, he or she shall fill in the application form for termination of the contract and submit the insurance contract and the legal identity certificate of the policyholder.

2. The contract shall be terminated when the company receives the application for termination. If the policyholder requests to terminate this contract within 10 days after signing the insurance policy, the company shall refund all the insurance premiums received to the policyholder within 30 days from the date of receipt of the application for termination.

3. If the policyholder requests to terminate this contract ten days after signing the insurance policy, the company shall refund to the policyholder the cash value of the contract when the company receives the application for termination of the contract within 30 days from the date of receipt of the application for termination.

The cash value of the contract is equal to the balance of the personal account value after deducting the corresponding surrender charge.

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

Recently, I have seen that many people want to surrender critical illness insurance, which is normal, critical illness insurance is more complicated, and it is inevitable that sometimes I feel that I have bought the wrong one"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

How to surrender the policy? There are two forms: online surrender and offline surrender.

(1) Online surrender

Here's an analysis:Is it reliable to buy insurance online? What is the difference between online and offline insurance? 》

(2) Offline surrender

Offline surrender is generally this process:

Typing ** can ensure that the information is complete, so as to avoid missing which one to get again. The policyholder's surrender is something that the insurance company cannot refuse, but there is a certain loss in surrendering, and the cash value is returned, so you must be psychologically prepared. The stipulation is that the validity of the insurance policy shall be terminated from the time the insurance company receives the application for termination of the insurance contract, and the insurance company will refund the cash value of the contract within 30 days from the date of receipt of the relevant certificates and materials.

If you decide to surrender the policy, it is important to remember that it is important to surrender the old policy after the new policy has taken effect to ensure that the protection is not interrupted.

How much can I get back if I pay 50,000 yuan a year for three years?

When applying for surrender of the policy, the customer must go through the following procedures:

1.The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money.

2.If the policyholder applies for surrender of the policy, the insurance company will refund the cash value of the policy after the contract has been in force for two years and the premium has been paid for two years; If the insured has paid premiums for less than two years, the insurance company shall refund the remaining premiums to the policyholder after collecting the insurance premiums for the period from the date of commencement of the insurance liability to the date of release.

3.The surrenderer shall provide the following documents when handling the surrender: (1) the surrender application of the policyholder, or the surrender application with the written consent of the policyholder; (2) Valid insurance policy and proof of last payment; 3. Proof of identity of the policyholder. (4) If the policyholder or the insured entrusts another person to handle the application on his behalf, the power of attorney of the policyholder or the insured and the identity card of the principal shall be provided.

What type of insurance did you buy, how long did you insure, and did you have any hesitation period?

People who want to surrender the insurance, the first thing that comes to mind is, how much money can be refunded, and is there a way to refund more? Here's a guide:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much can be refunded depends on what kind of situation it is

(1) Full surrender

Usually these can be fully surrendered:

1.Surrender during the cooling-off period

Insurance has a hesitation period, within the hesitation period surrender is to return the premium in full, only deduct about 10 yuan of the cost of production, the general hesitation period is from the receipt of the contract receipt, most of them are 10-15 days, there will be provisions in the contract.

2.It is signed

If some salesmen do not operate properly and the insurance contract is signed on behalf of the company, in this case, the full premium can be refunded by applying for surrender.

3.There is evidence

If there is evidence that can prove that the person violated the rules or deceived the consumer, the full premium can also be refunded if the policy is surrendered.

(2) Refund of cash value

If the policy is surrendered outside the hesitation period, only the cash value will be returned, and the savings life insurance will have the cash value, such as whole life insurance, term life insurance with a term of more than one year, endowment insurance, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, universal insurance and participating insurance. Accident insurance, one-year medical insurance, etc., generally have no cash value.

The cash value of the policy can be calculated as follows:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it is divided into two parts, one part is to agree on a fixed insurance payment to the customer, and the other part is to pay the customer the insurance money according to the operation of the insurance company, this part is the dividend, there is no fixed value. If you don't think you understand it very well, you can look here:

"Demystifying the Mystery of Dividend Insurance".

It can be seen that if the surrender time exceeds the cooling-off period, the money that can be returned will not be more than or equal to the premium, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》

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.

Why should I surrender the policy? What types of insurance? It is not cost-effective to surrender the policy.

Chinese life is a 10-day period of hesitation. During the cooling-off period, if you apply for a surrender, the insurance company will refund the premium without interest after deducting a certain fee. Basically, the fee is only 10 yuan.

The surrender process of Chinese Life Insurance is as follows:

1.Open the Chinese Life Official Ming Ku Lap website, list the purchased insurance products under Personal Policies, and click the corresponding product to view the policy.

2.Click on the surrender application, check the surrender amount, fill in the bank, and upload your ID card**.

3.Enter the mobile verification code to confirm the surrender of the policy.

The insurance contract terminates when the insurance company receives an application to terminate the contract. If the policyholder requests to terminate the contract within 10 days after signing the insurance policy, the insurance company shall refund all insurance premiums to the policyholder within 30 days from the date of receipt of the application for termination.

There are two ways to surrender Chinese life:

1.Bring the surrender application, the policyholder's ID card, a copy of the bank card, the insurance policy, and the invoice of the first insurance premium to the business hall of the insurance company for direct surrender business;

2. You can entrust business personnel to handle it in the business hall. In addition to the above information, a power of attorney and a copy of the ID card of the ** person should also be provided.

The following points should be paid attention to when retiring during the hesitation period:

1. If you cannot accept the policy in time due to special reasons, it is best to notify the insurance company in advance so as not to miss the hesitation period;

2.The determination of the cooling-off period by the insurance company is calculated based on the date of receipt of the receipt filled out by the customer after receiving the policy;

3.Policyholders should read the terms of the insurance carefully to avoid misunderstanding the content of the insurance and deviations from the insurance company.