Can ABC Love Guardian B Insurance return the cost?

If ABC Love Guardian B insurance can recover the principal, ABC Love Guardian Insurance will pay for three years for 10 years, and if the insurance can be refunded according to the agreed interest after three years, it will be determined in accordance with the agreement! It is still necessary to read the content of the agreement before purchasing. I have paid the insurance for three years and want to surrender the policy, but the hesitation period has passed.

Therefore, there is no refund of the premium paid, but only the cash value of the policy.

Because different insurance products have different ways of calculating the cash value of the policy and the amount, the specific amount of refund depends on how the insurance contract is agreed. But if it's worth mentioning, if it's universal insurance.

Generally, the cash value + universal account interest can be refunded. The cash value of most insurance products is less than the premium paid, so the policyholder will bear a certain amount of financial loss if the policy is surrendered. However, there are also many types of critical illness insurance similar to universal insurance and savings insurance.

The cash value of the insurance product is relatively high in the later stage, or it can also be refunded in addition to the universal account interest, etc., so the surrender amount may be greater than the premium paid, and the policyholder does not need to bear the economic loss when surrendering the policy.

Whether ABC Love Guardian Annuity Insurance (paragraph B) can recover its principal depends on how the insurance contract is agreed.

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1. Insurance rules.

All those who meet the underwriting conditions have the opportunity to apply for ABC Love Guardian Annuity Insurance (paragraph B), as for the payment period, the policyholder needs to negotiate with the insurance company first.

The protection period of ABC Love Guardian Annuity Insurance (Section B) provides 3 options, namely 10 years, 15 years and 15 years, under the same conditions of other insurance, the longer the protection period, the more expensive the premium, you can choose the appropriate protection period according to the actual economic situation and protection needs.

There are 4 exemption clauses of ABC Love Guardian Annuity Insurance (Section B). The exclusion clause generally refers to the content or circumstances under which the insurance company does not bear the insurance liability. For consumers, the fewer exclusions the better.

Compared with some annuity insurance products on the market with 7 or 8 exclusion clauses, the number of exclusion clauses in this product is small.

2. Guarantee responsibility.

3. It can be seen from the security chart that the annuities that can be received by ABC Love Guardian (Section B) annuity insurance include survival insurance benefits, maturity benefits and death insurance benefits. Among them, the proportion of survival insurance payment is set according to the selected protection period.

From the fifth policy anniversary of the main insurance contract, you can receive the corresponding survival insurance benefits, which is relatively fast, suitable for people who want to quickly withdraw funds.

However, unfortunately, this product does not take into account the total disability protection, once the insured is unfortunately completely disabled, a series of expenses incurred can only be solved by themselves.

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<> may not be able to return the principal.

1.If you surrender the policy during the hesitation period, you can recover all the principal, but some insurance products also need to deduct a production cost of no more than 10 yuan;

2.Surrender after the cooling-off period:

1) If the policy is surrendered after the cooling-off period of the one-year insurance, the remaining expenses can only be refunded after deducting the premium and handling fee corresponding to the number of days covered, but the principal cannot be refunded;

2) Long-term insurance can be refunded to the cash value of the policy, if the insurance with a higher cash value, such as increased whole life insurance, participating insurance, etc., then the cash value in the later period is equal to or even greater than the premium paid, and the policyholder can recover all the principal at that time. However, if the cash value of the insurance is relatively small, then the policy will not be refunded after the hesitation period, and the principal cannot be recovered.

3) Participating insurance: Participating insurance surrender can be refunded the cash value of the policy + unclaimed dividends, among which, the dividend cannot be determined, because it is related to the operating conditions or products of the insurance company;

4) Universal insurance: universal insurance surrender can be surrendered to the cash value of the policy + universal account value, of which, the universal account value cannot be determined, but also depends on the specific interest rate of the insurance product and other factors;

Taking a whole life insurance as an example, if a 30-year-old man applies for a lifetime insurance policy for 10 years, and the premium for the first year is 10,000 yuan, if the policy is surrendered during the hesitation period, then the long can refund the premium paid for 10,000 yuan. If the policy is surrendered after the cooling-off period, such as after one year, the cash value of the policy is 1479, which is less than the premium paid, and the principal is not returned; For example, if the policy is surrendered after 10 years, the cash value can be refunded at 105042, which is greater than the premium paid, and the surrender of the policy at that time is equivalent to a refund of the principal.

Hello dear, I'm glad to be able to answer for you, ABC Love Guardian B policy has an electronic version, and the inquiry policy will be through the following methods: 1Check the official website of the insurance company:

Enter the official ** of the corresponding insurance company, find the service center, find the policy inquiry under the column, log in to the account password to query, the account name is usually the user name, ID card, mobile phone number, email, etc. 2.Insurance company app inquiry:

Some insurance companies have developed an app for customers to use, which will also include a policy inquiry function. For example, Ping An Insurance has a "Ping An Gold Butler", which can choose to register with an ID number or a mobile phone number, and you can check it after registering successfully and logging in. 3.

China Bright Fiber Insurance Industry Association official inquiry: Some people may be divided into several different insurance companies to buy insurance, in order to let everyone mess up the key things to save trouble, China's insurance industry association organized the development of "China Insurance Know-it-all" this WeChat***, in this *** we all in the domestic insurance companies to buy the policy can be checked.

ABC Love Guardian is an insurance product plan launched by ABC Life, which is a kind of life insurance, which is a product launched by ABC Life Insurance that combines financial management and pension, and the plan is composed of "ABC Love Guardian Annuity Insurance" and "ABC Tenpay Pension Insurance".

ABC Love Guardian sets a minimum guaranteed interest rate that, when the policy has been in effect for 5 years, the Quiet Rough Sail Survival Insurance Premiums paid in accordance with the agreed proportion will enter the universal insurance account to accumulate interest, and the minimum insurance period will be 10 years and the longest will be 100 years old.

ABC Ai Guardian's payment period and insurance period are flexible and free, which can not only be used for special fund reserves for children's education and wedding funds, but also for medium-term planning of family finances, and has the function of policy loans, that is, financial planning at all stages of life can be realized through the functions of policy loans and partial collection of universal accounts.

ABC Ai Guardian was shortlisted for the Most Influential Insurance Product of the Year at the 2018 China Ding Insurance Industry Awards Ceremony.