I feel that the Pacific Jinyou I bought was fooled and I want to surrender the insurance, should I r

Jinyou Life is Pacific Insurance.

Its critical illness insurance.

The product is a participatory lifelong critical illness, and the main insurance is a participatory whole life insurance.

The rider is a whole life critical illness 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.

After the cooling-off period, there will be a certain amount of financial loss if the policy is surrendered. 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, which is generally written in the insurance contract, and the level of cash value is usually related to the payment time, and the longer the policy is in effect, the higher the cash value.

If I pass the hesitation period and want to surrender the policy in full, in fact, if there is an illegal operation in the sales process, there is still a chance to surrender the policy in full. So what exactly are the situations?

**The person has the act of signing on behalf of the person.

There are money backs or gifts in the sales process.

Exaggerating product benefits and claims during the sales process.

** People have induced or misled sales, etc.

Therefore, if the policy is surrendered for a short period of time, the cash value of the policy is very low and there will be a greater financial loss.

If the policy is surrendered while the policy has been in force for a long time, the cash value is already considerable, and the surrender loss is not that large.

Extended Information: Pacific Gold Bless Life is insured against 60 major diseases.

As well as 12 kinds of mild diseases, and the later premiums and contracts are still valid for minor illnesses, but it must be noted that although the insurance products of Pacific Jinyou Life Insurance Product are full of protection and have the right to exempt from minor illnesses, because Pacific Jinyou Life is a participating insurance product, it is still very expensive and may not be suitable for the people of most platforms.

It is uncertain how much Pacific Jinyou Life Dividends can share, so if you are unsure, you can consider purchasing an online Internet critical illness insurance to increase the amount of critical illness insurance.

Target. We must know that any insurance can be surrendered after purchase, but if the surrender is carried out at different times, the surrender amount is not the same, but if it is said that the Pacific Jinyou Life Insurance is selected during the surrender hesitation period, then the insurance company can only charge the corresponding insurance cost, and will not deduct other insurance.

If you choose to surrender the policy after the surrender hesitation period, then the insurance company will carry out the surrender process according to the value of the policy, and the surrender amount at this time will not be too much, and it will bring certain economic losses to the insured in comparison, so it is recommended to complete the surrender hesitation period as well.

I bought 8 10-year Jinyou life in 2013, not long after paying the premium in the ninth year of this year, the Pacific came to ** said that the salesman was gone, and my insurance corresponding salesman had changed, and then a salesman called me ** to say whether to upgrade the insurance, saying that my Jinyou life is not to return the principal, but in May this year, you can upgrade the insurance, and you can return the principal when you are 65 years old after the upgrade, the routine of telecom fraud. When I bought it, I said that the principal of the main insurance can be taken out at any time after the expiration of the term, but taking out the principal will terminate the contract. Now neither the insurance company nor the former salesman admits this.

Said that there was no such thing in the contract at all.

I paid 40,000 yuan for 10 years, paid 80,000 yuan for all disabled people in 10 years, and my family can earn 10,000 yuan, and I paid 10,000 yuan for 42 kinds of critical illness insurance in 10 years, and I got 16,000 yuan. I can earn 6 thousand. Is the person who bought this insurance sick in the head?

At that time, if it wasn't said that the principal could be refunded at any time at maturity, would I be able to buy this shabby insurance?

If I surrender the policy now, I will get 20,007 and lose 20,001 in 9 years, and if I surrender the policy after 10 years, I will get 30,010 and lose 20,002, and if I surrender the policy after 10 years, I will receive 50,0004 plus dividends and cash value.

I have decided to surrender the policy at the end of this year, and I will not pay it in the last year, there is a cash value on the contract, you can calculate it yourself, I will not teach you.

The insurance products of Pacific Insurance Company are to protect the future and protect one's life. If you are doing it out of personal security for your future, you should not be refunded.

If you refund now, you will definitely lose a portion of your principal.

The Pacific Ocean is getting more and more garbage, and it's better to buy PICC.

In a large ** company, the salesman let the car die.

If you choose to surrender the policy after three years, you can only get back the cash value of the policy, and the policyholder needs to bear a certain amount of economic loss, and the insurance protection is terminated, so it is not cost-effective to surrender the policy.

For example, a consumer who insures Jinyou Life, with an annual premium of 5,820 yuan, chooses to pay for 10 years, and chooses to surrender the policy after 3 years, and can only get back about 5,700 yuan in cash, but the premium has been paid 17,500 yuan, which is not cost-effective.

If you want to reduce losses, you can negotiate with the insurance company to surrender the policy, if you want to surrender the insurance due to misleading sales, you can complain through the insurance company to protect your rights, or you can give feedback or consumer rights complaints through the official website of the China Banking and Insurance Regulatory Commission**12378, if the surrender is too lossy, but at the same time you want to continue to protect, some products are to support the reduction of the payment, the so-called reduction of the payment, simply put, the subsequent payment of the payment should be turned into a single payment, reduce the amount of insurance, and the protection is still effective.

How about the protection of Kim You's life?

Jinyou Life is a whole life insurance product under Pacific Insurance, and there are many people who buy it. As long as you are over 30 days old to 55 years old, you can apply for insurance, and the premium can be paid in a lump sum, or you can pay it in 5, 10, 15 and 20 years.

There are 100 types of critical illnesses and 50 types of minor illnesses included in Jinyou Life. Among them, the critical illness sum insured is fixed + sum assured bonus, and the minor illness claim can be paid for 3 additional times. In addition to this, Kim Woo Life also has a mild illness exemption function.

If the insured is dead or totally disabled, and is under the age of 10, the premium paid will be refunded; If you have reached the age of 18, you will be paid the effective sum insured. It can be seen that the protection of Jinyou Life is still very good, but its premium is relatively expensive, so there will be a situation where the insurance is surrendered because the premium burden is too large.

This needs to be calculated according to the amount of premiums paid each year, the number of years of premiums paid, and the specific classification of insurance, and there is no fixed answer。Many people find that this insurance is not suitable for them after purchasing insurance, can we handle the surrender business at this time? The answer is yes, you only need to go directly to the nearby business hall with a valid certificate to handle business.

For example, Ms. Wang has purchased a Pacific Jinyou Life Insurance and has paid the premium for three years, and the annual amount is 5,000 yuan, so how much can he refund in this case? On this question, we can directly calculate according to the formula in the insurance contract, because each person's situation is different, so the answer is not the same, just a Pacific Jinyou life insurance There are many kinds, such as whether there is additional insurance, or whether there are other special agreements and so on.

However, one thing is certain, and that is that the $15,000 premium paid is not fully refundable. Because the insured's early surrender will cause losses to the insurance company, the insurance company will not bear this loss, but can only be borne by the policyholder. Some people will not understand what losses the insurance company will cause, in fact, the insurance company will provide services to Ms. Wang in the past three years, and there will also be handling fees, production costs, etc., including the commission paid to the salesman after the contract is signed, which will be counted as losses.

The insurance company will deduct these losses from the premiums paid by Ms. Wang, and the rest of the money will be returned to Ms. Wang. This means that Ms. Wang paid 15,000 yuan in premiums, and may only return 10,000 yuan in the end. Therefore, when we buy insurance, we should check the regulations clearly and consider whether this insurance is suitable for us.

In particular, many people don't care about some of the regulations clearly marked in the insurance contract, which is signed in a daze, and it is very unfavorable to themselves once there is a dispute.

If you surrender the policy, you must deduct some handling fees, and this kind of insurance will generally not give you a surrender, it is best to take your insurance contract to the insurance company to ask.

You can only get back the cash value of the policy, and you still have to lose some, and you won't return it 100%, and you still have some losses, and you won't completely return it to yourself.

In most cases, it is impossible to return, almost no money can be refunded, and sometimes there is no way to return it, and it is very difficult to return it.

Pacific Jinyou Life Insurance should be very familiar with the product, this is a participating whole life insurance product, this product is also more people who consult surrender, today I will talk about a series of related questions about buying Pacific Jinyou Life for three years and want to surrender, if you are also interested, you can take a look at it together.

1. Can I return the insurance if I want to surrender the insurance for three years after buying Pacific Jinyou's life?

It is possible to surrender the policy, but there are conditions.

Because this product has protection for critical illness and mild illness, if you say that your critical illness and mild illness have not been claimed, then you can surrender the policy, we apply to the insurance company, the insurance company cannot refuse us, because he has no valid reason.

But if we have made a claim for this product, then the insurance company can refuse our surrender, which is completely justified and feasible, then you can take a look at the contract of this product, how to stipulate the surrender after the accident, and know whether the specific insurance can be refunded.

Second, how much can I return if I want to surrender the insurance after three years of buying Pacific Jinyou Life?

At this time, the cash value of the product can be returned by surrender, but its cash value is relatively small in the first three years, so the surrender loss at this time is very large, and only a part of the money can be returned.

Specifically, you can take a look at the policy of this product, which has a cash value **, and then we can look at the end of the third year with a rough age, what is the data of its cash value, this is the cost that we can return when we surrender the policy.

If you want to surrender the policy, try to refer to this **, find a suitable time to surrender the policy, and minimize the loss of our surrender.

3. What is the process of surrendering the insurance policy after buying Pacific Jinyou Life for three years.

Second, we need to bring the information, and then go to the business branch of Pacific Insurance to submit a refund application materials, generally speaking, we need to submit the information is a copy of our personal identity document, as well as a surrender application, the original contract, etc.

Third, after applying, we need to wait for the insurance company to give feedback, wait for the insurance company to notify us of the surrender time and surrender amount, and then wait for the insurance company to surrender the policy.

Summary. As long as it is a normal surrender, Pacific Insurance Company can only return the cash value of the policy, the cash value of the four years paid by the Pacific Insurance Company is only about 50% of the total premium paid by the consumer, how much money can be refunded, the consumer can check the cash value table in the insurance contract by himself, the detailed list is written very clearly, the loss of surrender after four years will be very large, so the consumer should be cautious in surrendering, Try not to surrender the policy without a special reason.

Jin Yousheng, who bought it in Pacific Insurance, can surrender the policy after 4 years.

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As long as it is a normal surrender, Pacific Insurance Company can only return the cash value of the policy, the cash value of the four years paid by the Pacific Insurance Company is only about 50% of the total premium paid by the consumer, how much money can be refunded, the consumer can check the cash value table in the insurance contract by himself, the detailed list is written very clearly, the loss of surrender after four years will be very large, so the consumer should be cautious in surrendering, Try not to surrender the policy without a special reason.

Summary. Hello, the Jin Yousheng bought in Pacific Insurance has been paid for 4 years and can be surrendered.

Jin Yousheng, who bought it in Pacific Insurance, can surrender the policy after 4 years.

Hello, the Jin Yousheng bought in Pacific Insurance has been paid for 4 years and can be surrendered.

According to the Insurance Law of the People's Republic of China, surrender is the right of the policyholder.

Therefore, after paying for four years, it is possible to surrender the policy. The policyholder can apply for surrender at any time.

I want to surrender the policy. Yes, there are two ways to surrender the policy after 4 years.

The first is to surrender the policy normally. Bring the policyholder's ID card, fill in the surrender application form at the business hall and service desk of Pacific Insurance Company, and refund the cash value of the policy that has not been paid in the fourth year.

If the premium has been paid for 4 years, it belongs to the surrender after the hesitation period, and according to the contract, the normal surrender can only return the cash value of the insurance contract, which will cause a great loss for the policyholder. The second option is to surrender the policy in full and refund the accumulated premiums in full. There are irregularities when it is necessary to purchase insurance.

For example, if there is a salesman signing on behalf of the salesman, the salesman exaggerates and falsely advertises the protection benefits, does not explain the insurance terms in detail, the customer does not know the policy benefits, gives rebates to the customer, etc., all of which are illegal operations. In this case, it is possible to surrender the insurance policy in a technical way and refund the accumulated insurance premiums in full.

I want to surrender the policy, how much can I get back?

What type of surrender do you want to handle?

Normal surrender is to check the cash value at the end of the fourth year of your policy contract, and the cash value is the surrender amount.

Bless your life today. More than 3,900 a year.

It's been four years, how much money can I get back?

If you surrender the policy normally, it will be around 4000.

You can check the cash value table of the policy contract in hand, and the cash value of the policy at the end of the fourth year is about 4,000 yuan. Because of the age of the insured, the cash value will vary slightly.

The normal surrender of the policy is a refund of the cash value.

For policyholders, there will be a lot of losses. The policy can be surrendered in full, and there are irregularities when it is necessary to purchase insurance. For example:

There are behaviors such as the salesman signing on behalf of the salesman, exaggerating and falsely advertising the protection benefits, not explaining the insurance terms in detail, the customer not knowing the policy benefits, and giving rebates to the customer, etc., all of which are illegal operations. In this case, it is possible to surrender the insurance policy in a technical way and refund the accumulated insurance premiums in full.

What if the insurance company doesn't refund so much?