The bank dividend insurance I bought yesterday, can I refund the full amount on the same day if I go

You can return it within 10 days, and only lose 10 yuan of production cost.

It is because people trust banks, post offices and other institutions that insurance companies come up with such an idea.

Set up stalls in banks, post offices, etc., to sell insurance, and you will be mistaken for a new business in these places.

These institutions deal with money all day long, and they will naturally try to open their eyes and talk nonsense, what principal is safe, interest is still taken, and dividends can be distributed.

In fact, banks and post offices are only the best sales, and other after-sales services and claims are all borne by the insurance company.

If you don't have a problem, you'll get kicked and you won't get all your money back.

You should go to the insurance company to apply for a cooling-off period (also known as a cooling-off period) to surrender the policy, and you can withdraw the full amount of the premium you paid. The bank should give you a voucher or acknowledgment of receipt when you collect your original policy, and you should at least write down the policy number when you hand it over. But you don't have to worry about it, if the bank cheats (which is almost impossible), you can extract the footage or even report the crime.

The insurance sold by banks and post offices is roughly like this: the sum insured = short-term total premium, income "bank interest, it is a hybrid of banks and insurance companies, and it makes little sense to buy.

Bancassurance repayment at maturity + more interest than savings!

The surrender process tracking can be contacted to customer service in time, because many salesmen have deliberate delays!

Summary. Dear, we're answering your <>

Can you return after buying life insurance insurance, dear, you can return after buying life insurance insurance, red life insurance is a kind of investment and financial insurance, which can be surrendered under normal circumstances, but early surrender may cause certain economic losses, but the principal can generally be returned in full. <>

Can I get a refund after buying life insurance and paying it?

Dear, we're answering your <>

Can you return after buying life insurance insurance, dear, you can return it after buying life insurance insurance, red life insurance is a kind of investment and financial insurance, and it can be surrendered under normal high circumstances, but early surrender may cause certain economic losses, but the principal can generally be returned in full. <>

Participating travel insurance refers to the life insurance company that distributes its actual operating results to policyholders according to a certain proportion of the surplus of the pricing assumption, which has the following characteristics: First, the policyholder can receive dividend distribution. In addition to the basic protection function, the insurance company also decides the dividend distribution every year according to the actual operating conditions of the participating insurance business, that is, customers can share the company's operating results with the company.

Second, the dividend distribution methods include cash dividends and incremental dividends. Cash dividend distribution refers to the direct distribution of surplus to policyholders in the form of cash, and insurance companies can provide a variety of dividend payment methods, such as cash, premium payment, interest accumulation, and purchase of sum insured. Incremental dividend distribution refers to the distribution of dividends in the form of increasing the sum insured each year throughout the term of insurance.

Thirdly, the distribution of dividends is uncertain. The level of dividends mainly depends on the actual operating results of the insurance company.

The cooling-off period is within 10 days from the date of receipt of the insurance contract, and the insurance company will refund the full amount of insurance premiums collected under normal circumstances. If the insurance company does not accept the customer's request to surrender the policy in full, then only the cash value of the policy will be refunded.

The cash value of the policy is the value of a life insurance contract with a savings nature, and when the policyholder terminates the insurance contract, it is the policyholder who can get back the premiums and interest accumulated before the policyholder, after deducting various costs.

Insurance experts point out that for the surrender of participating insurance, the customer only gets the cash value of the policy and also bears the surrender fee. According to the provisions of the Insurance Law, if the premium has been paid in full for more than 2 years, the cash value of the policy will be refunded; If the premium for 2 years has not been paid in full, the handling fee will be deducted for surrender. It's a match.

There are two purchase channels for participating insurance, bancassurance and individual insurance, which are slightly different in terms of surrender losses. At present, the bancassurance participating insurance in the market is generally 5 years or 10 years, and the cash value during the surrender period may be much lower than the premium, not only there is no dividend, interest, etc., but also may have to bear the surrender fee.

Individual insurance and participating insurance face the same problem, due to the different payment methods, the loss of surrender fee may not be as high as that of bancassurance. However, since the cash value increases year by year, the earlier the surrender time, the greater the surrender loss. Experts pointed out that part of the participating insurance premiums sold through individual insurance channels is pure premiums, which are used to bear the responsibility of insurance payment, that is, the payment of death, injury, maturity survival, annuity and other benefits agreed in the contract, and the other part is used to pay additional expenses such as management fees and commissions.

Half of the premiums collected by the insurance sales department in the first two years are used to cover surcharges, which is why insurance surrender will lose premiums. Therefore, insurance experts point out that consumers should rationally look at the surrender of participating insurance, after all, the surrender is a problem of high cost.

Whether it is a savings type of insurance or a dividend type of insurance, do not be impatient when handling insurance business, you should choose insurance according to your own situation, if you are not very aware of the insurance situation or are not very sure of the income, you can consider short-term insurance, especially for dividend insurance, due to the different benefits of many insurance products, without understanding the specific benefits and risks, you can choose to insure according to the situation, so as to avoid insurance because of mistakes, As a result, the final surrender of the policy is something that the policyholder or the insurance company does not want to see.

Participating insurance is surrenderable.

If the policyholder requests to terminate the contract, he must first fill in the application form for termination of the contract, and submit the insurance contract and the identity certificate of the policyholder to the insurance company, and then the insurance company will handle the surrender.

If the policyholder receives the cancellation application within 10 days of signing the insurance policy, the insurance company must refund the entire premium within one month of receiving the cancellation application.

1.If it is a simple participating insurance, then the cash value is relatively high, so you can get back the premium paid after maturity; 2.If it is a participating insurance with critical illness insurance, the cash value is relatively low, so you cannot withdraw the premium you have paid when you have just paid the premium.

It should be noted that if the participating insurance chooses to surrender the policy, then the surrender of the policy during the hesitation period can be refunded the paid premium (some participating insurance products need to deduct a production cost), and the policyholder is equivalent to getting back the paid premium; If the policy is surrendered after the cooling-off period, the cash value and unclaimed dividends of the policy can be refunded, so if Jian Qingshan waits until the cash value and the unclaimed bonus are the same as the premiums paid, it is actually equivalent to refunding the premiums paid.

When the policy is surrendered in the middle of the policy, the insurance company will refund it according to the so-called cash value. There is a certain gap between the cash value of the policy and the premium paid, and this difference is directly related to the type of policy and the number of years of premium paid. If the type of insurance you buy is a type of participating insurance such as whole life insurance, if you want to return it, you may lose about 50% of the principal.

As a risk transfer mechanism, the biggest essence of insurance is still protection! Although the modern insurance industry has increased a lot of social management functions and financial integration functions, if it is detached from protection, all insurance is playing hooligan! However, in the practice of insurance sales, many insurance salesmen package insurance products as so-called high-yield wealth management products, especially in the bancassurance channel!

The so-called bancassurance channel is the sale of insurance at the bank.

The landlord's insurance is a two-share insurance, and it is an annuity-type insurance, so there is no such insurance in the middle of the full insurance premium or principal. So I understand that the landlord should have encountered the sales misleading of the insurance salesman. If you want to withdraw money in the middle, you must surrender the policy, from a civil point of view, it belongs to the policyholder to terminate the contract in advance, which is called surrender in the middle of the insurance terminology!

When the policy is surrendered in the middle of the policy, the insurance company will refund the policy according to the cash value. Since the customer is a single payment insurance, that is to say, the insurance is paid all at once, so if the policy is surrendered, the loss of principal is not large, but the interest loss will be relatively high.

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

After deducting the premiums that should be charged by the insurer during the effective period of the insurance, the car insurance can be surrendered, but it must meet the conditions for the surrender of the car insurance stipulated by the insurance company. Secondly, the car has not been reported or claimed to the insurance company.

Among them, the surrender of compulsory liability insurance needs to meet these conditions:

1. The insured vehicle has been cancelled from registration in accordance with the law;

2. Handle the suspension of driving;

3. It has been confirmed by the public security organ that it has been lost;

4. The owner repeatedly insures compulsory traffic insurance;

5. The vehicle is resold, transferred, or given to a place other than the location where the license plate is located;

6. If the new car is withdrawn by the seller due to quality problems or the relevant technical parameters do not meet the national regulations, the traffic management department will not be allowed to go to the household.

And generally to surrender the compulsory insurance, the first thing to look at is the effective date of the compulsory insurance on the policy, if the policy has not yet taken effect, you can surrender the policy. If the compulsory traffic insurance has been in effect, according to the Regulations on Motor Vehicle Traffic Accident Liability Insurance, if the conditions for surrender are not met, the policy will not be surrendered. After applying for surrender, the insurance company calculates the surrenderable premium by using the actual premium paid at the time of insurance application, minus the premium that the insurance company should charge during the effective time of the insurance, and the balance is refunded to the car owner.

The specific process of surrendering a car insurance is as follows: the owner submits a surrender application to the insurance company, stating the reason for surrender and when the surrender will begin. After review, the insurance company will issue a surrender endorsement indicating the surrender time and the surrender amount, and the policy will be withdrawn.

After that, the car owner can go to the insurance company to collect the refundable premium with the surrender endorsement and ID card. I hope the subject and netizens are grateful.

Insurance companies make profits with dividends, and "Participating Insurance" is the magic weapon for insurance companies to make money, so that you will be deceived unconsciously! The insurance company's "Critical Illness Insurance" is life-saving, because if you get the same illness as the insurance contract, this person will be a dead end. You have to understand that it is insurance that calculates you, not you who calculates insurance!

Insurance is, you consume, the insurance company serves you, he earns your money, not gives you money, you can't get the original intention of insurance wrong, and if you make a mistake, you will be deceived! Insurance, except for accident insurance, other types of insurance are fooling people. People who have bought life insurance have been fooled, because you can't withdraw money at any time, and once you withdraw the money, you will lose a lot until you die, and the disease you still have when you die must be the same as the disease in the insurance contract, word for word, in order to get a claim, otherwise you will not be claimed.

When a child is born, he talks about death insurance, which is a curse to die quickly! Insurance only talks about cash value, not principal and dividends. If the insurance has a contract liability, he will have a cash value and dividends, and if the contract liability does not occur, he only talks about the cash value, and the cash value insurance contract has a cash value table on it, how many years is how much it is, you will understand it when you read it.

That money is far less than the principal, whether it is withdrawing money, surrendering, or the so-called conversion pension, it all depends on the cash value. The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium. Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal.

The insurance company holds a meeting every day, and the so-called morning meeting of the insurance company is to talk about some ways to fool people! That is, how much this dividend has been for decades, and how much has been for decades, hey, as soon as you look at a lot of numbers, you will be red-eyed. In fact, it is very simple to understand insurance, that is, when the insurance is out of danger, look at your "protection", and look at the "cash value" of your policy without insurance, no matter how many years it is, it is to read the "cash value", because life insurance is a whole life insurance, and if you withdraw money at the end of your life, then you will see the surrender (that is, the cash value given to you), so if you understand these two numbers, you will not be fooled by selling insurance, and the dazzling numbers he said will not fool you into being deceived.

Finally, you must remember that the so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and treasury bonds (not a very good choice). Therefore, participating insurance is to defraud customers of their money in the name of insurance.