Centennial Life Insurance, how can I get all the principal back if I surrender the policy halfway?

Centennial Life Pension is an insurance type established by Centennial Life for pensions, and its insurance terms include cooling-off period and liability exemption. There is a 15-day hesitation period from the date of receipt of the contract by the policyholder, during which if there is any objection and wants to surrender the policy, you can directly propose to terminate the labor contract, which will be regarded as surrender, and Centennial Life will refund the insurance premium paid by the policyholder without interest.

If the policyholder considers surrendering the policy after the cooling-off period, it is an application for surrender after the contract comes into effect, and the surrender items are as follows:

1.If the insured applies for surrender, the written consent of the policyholder is required, and the policyholder clearly indicates who will receive the surrender benefit;

2.Submit the surrender application to the insurance customer service manager with the relevant documents of the application for surrender: surrender application, payment voucher, identity certificate, etc., or you can call the customer service of the insurance company directly;

3.After the insurance company accepts the surrender request, it will handle the surrender according to the process. If the policyholder applies for surrender of the policy, the insurance company will refund the cash value of the policy after receiving the surrender application, and if the contract has been in force for two years, the remaining part will be refunded to the policyholder after collecting the premium receivable.

Extended Materials. 1. Participation conditions for 100-year Qianxiang Jinsheng Pension Insurance:

Age and insurance period: The age of the insured refers to the age of the insured at the time of your application, the age of insurance accepted in this contract is 0 years old to 57 years old, and if the insured is 0 years old at the time of insurance, it should be an infant who has been born for 28 days and has been discharged from the hospital in good health.

2. The Centennial Pension Insurance shall bear the following insurance responsibilities:

1. Pension: If the insured survives on the date of the first pension and on each policy anniversary thereafter, Centennial Life will pay an annuity according to the basic sum insured every year. Among them, the first pension date refers to the first policy anniversary after the insured reaches the pension age, and the pension age is 60 years old for men and 55 years old for women.

2. Death insurance benefit: If the insured dies, Centennial Life will pay the death insurance benefit to the deceased beneficiary according to the greater of the accumulated insurance premium paid and the cash value of this contract at the time of the insured's death, and the validity of this contract will be terminated.

1. Pension application:

1) Application form.

2) Insurance contract.

3) The insured's household registration certificate and legal valid identity certificate.

4) The applicant's legally valid identity certificate and relationship certificate.

5) Other supporting materials that can confirm the survival of the insured.

2. Application for death insurance benefits:

1) Claim application.

2) Insurance contract.

3) The applicant's legally valid identity certificate and relationship certificate.

4) Death certificate issued by the public security department or medical institution.

5) Certificate of cancellation of household registration and funeral certificate of the insured.

6) If the insurer is declared dead, the judgment of the people's court declaring death shall be provided.

7) Other certificates and materials related to the nature and cause of the insured accident that the applicant can provide. When the insurance proceeds are used as the insured's estate, documents proving the legal inheritance must be provided.

Under normal circumstances, it is not possible to get a full refund of the premium due to the cash value being lower than the premium paid. This is especially true when the cash value is at its lowest in the second year. It is recommended to call customer service** to inquire about the cash value. If it helps you,. Thank you!

Hello! Centennial Life Qianxiang Jinsheng can be refunded if you want to surrender the policy after three years of purchase, but this insurance product can only refund the cash value. For insurance companies, as long as the insurance is within the effective coverage period, there is no right to receive insurance benefits.

Millions of life money enjoy metal annuity insurance, and the cash value will be refunded when the policy is surrendered. Because for annuity insurance, if you want to see the income, you have to look at the long-term, so the corresponding income in three years is relatively small, and the cash value is naturally relatively low. Therefore, it is not recommended to surrender the policy easily.

If you don't know how to surrender your policy, you can click to make an appointment for 1-to-1 insurance planning service.

Deep Blue Insurance Concentrate on insurance brokers will provide you with professional advice, or you can scan the following *** for consultation.

How to surrender the policy after 3 years?

1. If the insured wants to apply for surrender, the written consent of the policyholder is required, and the policyholder needs to clearly indicate the surrender of the policy, and who will receive the refunded surrender money.

2. The final surrenderer will submit the documents required for surrender: payment voucher, surrender application and identity certificate to the insurance customer service manager, or you can directly call the customer service of the insurance company**.

3. When the insurance company receives the surrender request, it will handle the surrender related matters according to the process, if the policyholder applies for the surrender contract for two years, the insurance company will directly refund the cash value after receiving the surrender application, if the contract is not full for two years, the insurance company will only refund the remaining premium. The specific return rate depends on the regulations of the insurance company, and you can consult the customer service of the insurance company in advance.

Insurance is all about the occurrence of contractual matters.

Claim the corresponding insurance benefits.

Look at the terms of the insurance contract.

If it does not happen, there is no money except for the surrender, and the surrender is also in the agreement, usually only the cash value is returned, and the loss is very large.

In short, optimistic about the contract.

Deposit into policy.

Many middle-aged and elderly people like to keep their money in the bank, thinking that this is the safest way to get interest and protect the principal.

But can you accept that you have deposited money in the bank and changed from wealth management products to endowment insurance?

A consulting friend in Dalian approached me for help, and after obtaining consent, I told you what happened, hoping to give you some lessons from the past.

Ms. Liu and her husband are ordinary salarymen, living a simple life, and received some gift money when the child was full moon.

So the next day, Ms. Liu went to the nearby postal bank to deposit money, according to Ms. Liu's recollection, at that time, the bank guide saw that she was alone, and she wanted to save money, and she didn't plan to use it in the short term, so she went directly to the financial manager.

A financial manager wearing bank work clothes and hanging a bank work badge immediately introduced to her that the interest rate of savings deposits is low recently, and it is better to save a bank wealth management product, with high interest and more dividends, which are several times higher than storage, and there is no risk.

Ms. Liu wants to bank wealth management products, it should be more reliable, such a big bank, can you still deceive me? But I was afraid that I would encounter a situation where my family was in a hurry to use money, so I asked if I could take it out at any time, and after getting it, I dispelled my doubts and decided to give it a try.

Subsequently, the bank's financial manager took Ms. Liu's ID card and bank card to carry out relevant operations on the system, during which the financial manager told Ms. Liu that this product was good, and their internal staff had bought it, and the income was higher than that of savings, and it only needed to be saved for three years, which dispelled Ms. Liu's vigilance.

After that, I took Ms. Liu to the reception room, took out a few pieces of paper, and said that if you go through the relevant process, you need to record, as long as you buy financial products, you need to do it, don't interrupt the explanation process, and explain it separately after you don't know.

Ms. Liu thought that it didn't matter as long as she could achieve the process she said, but her reading speed was very fast, and it was over quickly before she knew the specific professional terms, although there were still many things she didn't understand, but she promised that she couldn't deceive me as a little person.

If the agreed period is reached, it can be returned in full, if it does not reach the agreed period, then the principal will be refunded, and the loss will be great.

Centennial Life Insurance Co., Ltd. is a national life insurance company approved by the China Insurance Regulatory Commission. The company was formally established on June 3, 2009 and is headquartered in Dalian. The registered capital of the company is 100 million yuan.

If you have any questions, it is recommended that you check the corresponding insurance contract agreement, which shall prevail, or contact the official customer service of Centennial Life Insurance for consultation.

Yes at the end of the contract.

Can Hengsheng pension insurance return the principal after receiving the salary at the age of 60?

Generally speaking, if Centennial Life wants to surrender the policy after three years, it can only return the cash value, not the principal. After paying the premium for three years, you only need to check the cash value table of the contract, find the corresponding cash value of the policy year according to the actual situation, and then calculate it according to the specific insured amount.

Surrender can be divided into surrender during the cooling-off period and surrender after the cooling-off period

If the policy is surrendered during the cooling-off period, the insurance company will generally refund the premium that has been collected in full or refund it after deducting the cost of dozens of yuan, with zero loss or very small loss; If you surrender the policy after the cooling-off period, you can generally only get back the cash value of the policy, which may result in a greater loss.

Therefore, surrender needs to be considered cautiously, and it is not a casual matter. If you really think clearly about surrendering the insurance, the preliminary work of surrender should also be done

1.Whether or not you can buy new insurance.

You need to know that insurance is not something that can be bought and purchased, such as health insurance, you need to see if your current physical condition is enough to inform you of your health, which needs to be considered in advance. Here is a health notice tips for everyone, hurry up and collect: when applying for insurance, what are the tips for health notification?

2.There is no balance left on the card.

If it has been determined that you want to surrender the policy, you should transfer the money from the bound bank card as soon as possible, otherwise the bank card may be deducted during the payment period.

If the policy is surrendered during the 15-day cooling-off period, only the production cost of 10 yuan will be charged, and the principal will be refunded. After the cooling-off period, only the cash value of the premium will be refunded. The surrender loss is still relatively large, and if there is a problem of financial pressure, you can apply for a policy loan to alleviate it.

The specific amount of cash value can be found in the contract, which clearly states the cash value of the corresponding years of insurance.

No, only about 20 of the principal amount can be refunded.

There will be a loss if you surrender the policy.

It is not necessary to get a full refund after 10 years, it depends on the cash value.

This should ask about the terms of your insurance contract or your insurance person.

Summary. Hello, for your question This question will give you the following answers: China Life Xinxiang Jinsheng Annuity Insurance B Wealth Management Products I bought for 3 years and paid 12,000 yuan per year I want to surrender How much can I refund: I can refund 25,200 yuan.

China Life Xinxiang Jinsheng Annuity Insurance Section B, the protection is 15 years, and many benefits are only available after 5 years, and it is not cost-effective to refund it now.

China Life Xinxiang Jinsheng Annuity Insurance Section B Wealth Management Product I bought it for 3 years and paid 12,000 yuan per year How much can I refund if I want to surrender the policy?

China Life Le Ying Doctor Insurance, 66,000 per year for five years.

After paying for a year, I don't want to renew it for personal reasons, how much can I refund?

China Life is happy for a lifetime.

Hello, for your question This question will give you the following answers: China Life Xinxiang Jinsheng Annuity Insurance B Wealth Management Products I bought for 3 years and paid 12,000 yuan per year I want to surrender How much can I refund: I can refund 25,200 yuan. China Life Xinxiang Jinsheng Annuity Insurance Section B, the protection is 15 years, and many benefits are only available after 5 years, and it is not cost-effective to refund it now.

Okay thank you. China Life Xinxiang Annuity Insurance Section B is an annuity insurance protection product, which can not only get the personal protection of the insurance company, but also help the policyholder to invest and manage money.

China Life Xinxiang Jinsheng Annuity Insurance Section B Wealth Management Product I bought it for 3 years and paid 12,000 yuan per year How much can I refund if I want to surrender the policy?

Hello dear, you can refund 30% of the premium 60%.

Because surrender can only be the cash value of the surrender policy.

I'll take a picture of you, can you take a look?

The cash value of your product is very low, you look at the value of the thousand gold for three years is only 2100, and he writes on it for every 1,000 standard premiums.

Oh, yes, yes, you're different, it's in thousands, that's multiplied by ten, that's about 21,000.

Oh oh, okay, thanks.