What should I do if the post office does not surrender the insurance during the hesitation period of

When the insurance company surrenders the policy, if it still does not give the refund, they belong to the party who is in charge. You can go to a professional surrender** to assist you in full surrender, and the Century Insurance Network is very good.

You have to surrender the policy at Life Insurance Company.

Recently, I have seen a lot of people ask questions about critical illness insurance surrender, and it is also true that critical illness insurance is more complicated, and it is inevitable that you will not be satisfied with it, in order to reduce this problem, I will pick out a list of you will not want to surrender:"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

The post office can be said to be a medium, you have to go to the insurance company where the insurance is located to return, the insurance company can not refuse to surrender the policy.

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

(1) Online surrender

Usually find your own policy directly in the place where you are insured, apply for surrender, and operate in accordance with the above requirements, but there are relatively few insurance that can be surrendered, and many policies need to be surrendered by yourself or ** people to the insurance company.

Here is a reminder that for insurance purchased in the bank APP, it is often necessary to find the insurance company where the policy is located, because the bank is not the specific formulator of the insurance content, and it is the insurance company that really provides protection, so it is necessary to find the insurance company to handle the surrender and other businesses.

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:

You can consult the surrender location and bring all the information, so as to avoid missing which one to get again. The surrender application is mandatory for the insurance company to accept, but the surrender can only return the cash value that will be lost, so be mentally prepared. According to the regulations, the validity of the insurance policy is 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 have to surrender your policy, it's important to remember that your old policy should not be surrendered until the new policy takes effect to ensure that you are always covered.

Space is limited, I put the details of the surrender here:What are the details to pay attention to when surrendering an insurance policy? 》Hope!

If you have not exceeded the 10-day cooling-off period, you can go directly to the insurance company to surrender the policy, if it has been exceeded, then you will now surrender at least half of the principal.

It's a loss, but maybe you can ask Century Protector to help you.

I just got back the 150,000 I was deceived into buying in 13 years with their help, so I might as well give it a try.

Annuity insurance is hard to buy! Because the yield of different products varies widely. Some products, after buying a 30W annuity, they only get back 33W, with an annualized rate of return of 1%; Some products already have an annualized income of about 4% for the main insurance alone.

For everyone's reference.

Below I will share two tips for choosing an annuity for you:

1.The first thing to do is to choose a high-yield one.

No matter what the purpose of buying an annuity is, as a kind of financial insurance, the income of annuity insurance is crucial. Annuity insurance is added through annuity accounts and universal accounts. Although the process of revenue growth is more complicated, the standard for judging the return of this product is to calculate the IRR yield.

After about 10 years of appreciation, IRR can reach 4% annuity insurance, which is an excellent level in the market.

2.The cash flow of the product should match the time when you use the funds.

Buying annuity insurance will change our cash flow, so there are these 4 questions you should pay attention to:

How much can a child get back for studying?

How much money do we receive when we retire?

What is the cash value of the policy when I need money urgently?

How much money can I leave for my loved ones at the end of my life?

Working people have limited budgets, so they can focus on one or two issues, such as education payments, and focus on how much money their children will receive when they go to school.

Business owners who have a large budget but need more flexible funds need to pay attention to the cash value of annuity products and how much money they can leave for their loved ones at the end of life.

Although the product form of annuity insurance is simple, there are so many pits in it that you can't imagine. In order to make it easier for you to choose a good product, I have compiled a guide to annuity insurance pit prevention:"3 minutes to read this year's top ten high-yield annuity insurance points!

。Hope it helps.

That's all for me"I just bought the Life Rooibos No. 1 Annuity Insurance, can I get it back?"

All medium and long-term insurance policies are entitled to a 10-day cooling-off period from the date on which the policyholder personally signs the insurance contract, that is, an unconditional full refund.

It can be refunded, and there are two cases.

If you surrender the policy without the hesitation period, this time is the unconditional surrender period promised by the insurance company, and the surrender will only deduct about 10 yuan of the production cost.

If the policy is surrendered after the hesitation period, the customer will take the initiative to apply for surrender. If the policy is surrendered at this time, the insurance company will only refund the landlord with the cash value. Cash Value = Premium - Cost of Protection - Policy Administration Fee - Commission paid by the insurance company to the **person.

It's very difficult, they just have a good mouth, and when something really happens, they pass the buck!

I bought it too