I bought the 2014a model 8,5 of the 2014 Jin You Life last year, pay 20 years, 33 years old, how muc

Xueba talks about insurance, focusing on insurance product evaluation! The latest 136 popular critical illness insurances

To you who know this when you see this.

"It's true that the Internet says that Jin You's life is not good? 》

I suggest you take a look.

Then I will give you an analysis of the advantages and disadvantages of Jin You's life:

Let's take a look at the advantages first: 1) the setting of dividends makes the sum insured not so serious as it depreciates with inflation, but it has little effect;

2) The company's brand awareness is high, and there are many branches and offline people, so that the service outlets of the Pacific are easy to find, and it will be more convenient to apply for insurance claims.

Cons: Honestly, there are quite a few disadvantages.

More importantly, in addition, in terms of disease protection, it is difficult for Jinyou Life to reach the level of excellent critical illness insurance! Yes, it's more detailed, there are too many words, and I've written the reasons in this article, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

To sum up, dividend-paying critical illness insurance has never been favored by me, even if the Jinyou life brand is loud, the cost performance is still worrying, it is recommended to buy insurance or to separate protection and financial management, in order to make the best use of each.

Hope, thank you!

Summary. Hello dear, glad to answer for you.

The commercial insurance I bought in 2014 has been paid for six years, so now if you want to surrender the policy, you can return it by calling ** to the insurance company's customers. As long as you buy long-term savings insurance. When you get old, if you don't want it, you can surrender it; However, the surrender amount is certainly not as high as your sum insured.

Of course, you can also survive until death, and at this time, Jinyou Life is the amount of compensation.

If you pay 5,000 yuan a year, then 30,000 yuan for six years, if you want to surrender the insurance now, it would be good to be able to refund 10,000 yuan. It's two different things, so you must think about it when you are in our insurance, and you need to be cautious when insurance is risky.

I hope mine can help you

How much does the 2014 version of Jin Yousheng surrender after 6 years?

Dear Hello, I am glad to answer for you that the commercial insurance I bought in 2014 has been paid for six years, so now if you want to surrender the policy, you can return it by calling ** to the insurance company's customers. As long as you buy long-term savings insurance. When you get old, if you don't want it, you can surrender it; However, the surrender amount is certainly not as high as your sum insured.

Of course, you can also survive until death, and at this time, Jinyou Life is the amount of compensation. If you pay 5,000 yuan a year, then 30,000 yuan for six years, if you want to surrender the insurance now, it is good to be able to return 10,000 yuan. It's two different things, so you must think about it when your insurance is burning, and you need to be cautious when insurance is risky.

I hope mine can help you

Hello, did the answer help you? If you have any questions, you can consult me within 24 hours, if you have no other questions, you can end it early and give a [like] Your gesture is very important to us, thank you! I wish you a good life, a happy life, and a happy filial piety hall. <>

The amount that can be refunded by surrender is related to these situations:

1) Full surrender.

Generally, only one of these types can be fully surrendered

1.Surrender during the cooling-off period.

There will be a hesitation period after the policy takes effect, if the policy is surrendered during the hesitation period, you can refund all the premiums, and the cost of about 10 yuan will be charged.

2.It is signed.

If some salesmen do not operate in a standard manner and the insurance contract is signed, the full amount can be refunded when applying for surrender.

3.There is evidence.

If there is evidence to prove that the person has violated the rules or has deceived the insurance element, in this case, the application for surrender can also be refunded in full.

2) Return the cash value.

If there is no longer a hesitation period at the time of surrender, only the cash value can be returned, and the cash value must be savings life insurance, such as endowment insurance, whole life insurance, term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, universal insurance and participating insurance, etc.; General accident insurance and one-year medical insurance have no cash value.

If you want to surrender the policy and want to know the cash value of the policy, you can read the contract or call the insurance company **, and the calculation can be calculated using the following formula:

3) Return cash value + dividends.

The cash value has been mentioned above, and here we will talk about dividends. Generally, it is divided into two parts, one part is to give the customer a fixed insurance premium, and the other part is to give the customer a fixed insurance premium, and the other part will be different due to the different operating conditions of the insurance company, which is uncertain and called dividends.

That's all for me"Jinyou Life Whole Life Insurance Dividend-paying A has been paid for 15 years in 2014, and 2850 has been paid for five years! I want to surrender the policy now! How much money can be refunded"** answer, hope to adopt!

1. About 11,400 yuan.

1.If the policy is surrendered during the cooling-off period, the insurance company will refund all premiums paid without interest and after deducting the cost of production, and if the policy is not surrendered during the cooling-off period, the insurance company will calculate the cash value of the current policy and then refund it after deducting the operating expenses. The longer the policy, the greater the proportion of the surrender amount, but the more benefits are actually lost.

2.For example, Mr. Wang has insured Pacific Jinyou Life, and it takes 10 years to pay 10,000 yuan per year, and if he surrenders the policy in the first year, Mr. Wang may only get 2,000 yuan, but in the 8th year of surrender, Mr. Wang may be able to get 60,000 yuan and lose 20,000 yuan, so that you can clearly see the proportion of compensation and the actual amount.

2. How to surrender the policy:

1.Before surrendering the policy, it is important to understand that the policy you have purchased has no cash value. The cash value of the policy, simply put, is the money that the insurance company will return to you when the policyholder surrenders the policy.

Generally speaking, endowment insurance, whole life insurance, universal insurance, and participating insurance have cash value, while short-term accident insurance, term life insurance, consumer health insurance, and home property insurance do not have cash value.

2.Secondly, you must know that if you surrender the policy during the cooling-off period, the insurance company will refund the premium in full, which can be said to be almost no loss. After the cooling-off period, the cash value can only be refunded.

The specific amount of money that can be refunded also needs to be determined according to the insurance life of the policy, and the longer the payment time, the more money can be returned.

3.In practice, when the policyholder surrenders the policy, the insurance company refunds a surrender amount according to the cash value table. In the first two years of purchasing a policy, the insurance company underwrites, makes the policy, settles the handling fee of the person, the salary of the employee and other insurance expenses are large, and the insurance premium refunded by the insurance company after deducting the handling fee is very small.

Even if the policy is surrendered after two years, the cash value of the policy will increase with the increase in premium payment period, but it will still be less than the premium paid.

4.In fact, it is the insurance consumer's own money that is withdrawn and retreated, so once you buy insurance and have protection, it is best not to give up the protection until you have to, otherwise, you will suffer a certain loss financially. Therefore, before purchasing insurance, you should fully consider and weigh it, carefully consider your insurance needs and affordability, and do what you can, rather than hastily applying for insurance and surrendering it hastily.

About 70% can be refunded, because after all, the contract was signed, so it is impossible to completely refund you. What's more, it's already good to be able to give you so much back.

Under normal circumstances, it is possible to refund about 80%, because after all, the contract has been signed with the other party, but there will definitely be some liquidated damages if you want to breach the contract now.

You should be able to refund more than 10,000 yuan, and you must be charged a certain fee, according to your type of insurance and premium, to determine the proportion.

You can take a look at what is stated in your insurance contract, general insurance cannot be surrendered halfway, or you can ask the insurance specialist.

Summary. Hello dear, you can surrender the policy, but the surrender can only be the cash value of the insurance.

I have bought the 2014 version of Jinyou Life for more than 8 years, I want to surrender the policy, how to refund?

Hello dear, you can surrender the policy, but the surrender can only be the cash value of the insurance.

Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc. Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.

Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the applicant within the agreed time. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.

Almost 27,000 were paid, and they said that they could only return 7,000 at most.

Yes. Why?

How do I surrender the cash value of the policy? Of course, you can also surrender the policy in full, for example, if he wants to give you a refund when you buy the insurance.

Summary. Hello dear, it is a pleasure to serve you <>

I have bought the 2014 version of Jinyou Life for more than 6 years, and if you want to surrender the policy, you can surrender the policy during the hesitation period, and you can refund the premium paid, which is equivalent to the policyholder does not need to bear the economic loss, and the policy is surrendered in full. Surrender during the hesitation period, refundable cash value + unclaimed dividends, after all, Jinyou Life is a participating insurance, and the policyholder can participate in the dividend distribution of the distributable surplus of the Pacific participating insurance business every year, but the dividends cannot be determined, but if the policyholder surrenders the policy when the cash value + unclaimed dividends and the premiums paid are the same, it is actually equivalent to a full surrender.

I have bought the 2014 version of the Golden Life Dividend for more than 6 years, I want to surrender the policy, how to refund?

Hello dear, glad to disturb you <>

I have bought the 2014 version of Jinyou Life for more than 6 years, and if you want to surrender the policy, you can surrender the policy during the hesitation period, and you can refund the premium paid, which is equivalent to the policyholder does not need to bear the loss of economic leakage, and the policy is surrendered in full. Surrender during the hesitation period, refundable cash value + unclaimed dividends, after all, Jinyou Life is a participating insurance, and policyholders can participate in the dividend distribution of the distributable surplus of the Pacific Participating Insurance business every year, but the dividends cannot be determined, but if the policyholder surrenders the policy when the cash value + unclaimed dividends and the premiums paid are the same, it is actually equivalent to a full surrender.

Extended Information: The policy can be surrendered at any time, and the surrender of the policy can only get back a small amount of cash value (referring to cash), and the cash value table is on the first few pages of the policy. 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 losses through the town of Tongzhou, and the insurance protection is also terminated, and the surrender of the policy is not cost-effective.