Haikang Life Insurance paid 300 yuan a month for seven months, and now I want to surrender the polic

Professional analysis: According to the provisions of the Insurance Law, the policyholder has the right to terminate the contract and surrender the policy, and the policyholder gets the cash value of the policy when surrendering, you pay 2100, if it is a wealth management product, the cash value will be high, if it is a critical illness or life insurance, the cash value will be very small, and it is expected to be a few hundred yuan--- best insurer Cheng Cheng.

If you want to surrender the policy, you will definitely think first, how much can you refund? How can I go back more? The guide is sent::《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

If you are not in a hurry to use the money, it is recommended that you do not surrender the policy, the loss is very large, and if you need it urgently, you can borrow from the policy.

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the business department of the insurance company to fill in the surrender application!

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

(1) Full surrender

There are usually only a few cases in which the policy can be surrendered in full:

1.Surrender during the cooling-off period

Usually there is a hesitation period after the purchase of insurance, and the surrender of the insurance during the hesitation period can return all the premiums, only deducting about 10 yuan of the cost of production, usually the beginning of the hesitation period is after the contract receipt is signed, usually 10-15 days, and the contract will have provisions.

2.It is signed

If some salesmen operate improperly and the insurance contract is signed, you can apply for a full refund.

3.There is evidence

If there is evidence that the person has violated the rules or has deceived the insurance element, you can also apply for a full refund in this case.

(2) Refund of cash value

If the hesitation period is exceeded, only the cash value can be refunded, and the cash value of savings life insurance, such as term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, comprehensive insurance, whole life insurance, endowment insurance, universal insurance and participating insurance, etc.; One-year medical insurance, accident insurance, etc., generally have no cash value.

(3) Return of cash value + dividends

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

"Demystifying the Mystery of Dividend Insurance".

It can be found that if the policy is surrendered beyond the hesitation period, the money that can be returned is less than the premium paid, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

Cash value plus dividends, check the insurance contract yourself.

Or just ask the salesman.

Therefore, when buying insurance, you must think clearly, like the kind of people who want to surrender the insurance in three months or four months, but once the hesitation period is over, then the surrender will be very disadvantageous. Basically, if you pay four or five thousand, five or six thousand a month, you can return less than 1,000 yuan at most if you surrender the insurance in the first year, and only a few hundred yuan. Therefore, if you don't have money during the cooling-off period, you can probably refund about 10% of the premium you paid if you don't have it during the cooling-off period.

10 days for annuity, 15 days hesitation period for critical illness, cash value of surrender, depending on the cash value of the first year of the contract, if you want to refund the full amount, you need to find evidence of non-compliance in sales at that time.

The surrender should be able to refund about 80%, because he is a halfway surrender, so he can only refund 80%.

You can get about 10% or 30% when you surrender the policy, and it also needs to be calculated according to the amount of money you invested when you bought the insurance before.

You can only get 30% back, it depends, but you will definitely lose a lot of money.

There is no loss in surrendering during the hesitation period, and it is very inappropriate to surrender the policy the rest of the time, only the cash value can be refunded, and it is recommended not to surrender the policy.

It's been a few years, and each company is different, so you can call the national ** ask.

Summary. How much can I get back when I surrender Corning Whole Life Insurance? For example, if 3,000 yuan is paid for three years, then you can return about 900 yuan to 1

If you apply for surrender within the hesitation period specified by the company, you can surrender the policy in full, if it is an insurance purchased offline, the insurance company may charge a little cost, generally less than 10 yuan. 2.If someone else signed the policy, contract, receipt, etc. when purchasing the insurance at that time, you can apply to the insurance company for the policy to be invalid, and if the insurance company does not agree, you can also appeal to the court to resolve it.

3.If you have purchased critical illness insurance and the insurance company does not make a return visit** to confirm, but the policy is effective, you can negotiate with the insurance company to surrender the policy in full. 4.

If none of the above appears, it is a normal surrender, and generally only the cash value of the policy will be returned, and the principal will not be returned, so the loss is still relatively large, and the cash value of the policy can be queried on the insurance contract. 5.If you want to reduce your losses, you can also choose to pay the remaining premiums with the cash value of the policy, but you need the consent of the insurance company.

How much can I get back when I surrender Corning Whole Life Insurance? For example, if 3,000 yuan is paid for three years, then you can return about 900 yuan to 1If you apply for surrender within the hesitation period specified by the company, you can surrender the policy in full, if it is an insurance purchased offline, the insurance company may charge a little cost, generally less than 10 yuan.

2.If someone else signed the policy, contract, receipt, etc. when purchasing the insurance at that time, you can apply to the insurance company for the policy to be invalid, and if the insurance company does not agree, you can also appeal to the court to resolve it. 3.

If you have purchased critical illness insurance and the insurance company does not make a return visit** to confirm, but the policy is effective, you can negotiate with the insurance company to surrender the policy in full. 4.If none of the above appears, it is a normal surrender, and generally only the cash value of the policy will be returned, and the principal will not be returned, so the loss is still relatively large, and the cash value of the policy can be queried on the insurance contract.

5.If you want to reduce your losses, you can also choose to pay the remaining premiums with the cash value of the policy, but you need the consent of the insurance company.

That's not a good deal.

Quite not cost-effective. The main reason is that Corning is a critical illness, and the insurance protection type does not belong to the financial management type, so the loss of surrender is particularly large.

If you pay 18,000 a year, you have already paid it for 16 years, and there are still 4 years to complete 20 years, and it is not cost-effective to surrender the policy.

It's almost full and it's best for you to continue paying your premiums. And you have already paid for 16 years, and if you want to surrender the policy, you can only wait another 16 years.

Summary. Dear, I'm glad to answer for you: I paid 30,000 yuan for life insurance for three years and can return 4,200 yuan; If the insurance of Chinese Life Insurance is surrendered after three years, the cash value of the policy will be refunded, which is about 40% of the premium.

The reason why it cannot refund the full premium is that Chinese Life Insurance Company has paid a lot in the past three years. For example, the commission was paid to the salesman, and various manpower and material expenses were also incurred during the insurance period. Therefore, if you surrender the policy after three years of payment, the insurance company will naturally deduct their losses and will only refund us part of the premium.

It is recommended that you consult the staff of Chinese Life Insurance Company before going through the surrender procedures. Find out how much money you can refund before you go through the surrender procedures.

Dear, I'm glad to answer for you: I paid 30,000 yuan for life insurance for three years and can return 4,200 yuan; If the insurance of Chinese Life has been paid to Zheng Laoxin for three years and surrendered, the cash value of the policy will be refunded, which is about 40% of the premium. The reason why it cannot refund the full premium is that Chinese Life Insurance Company has paid a lot in the past three years.

For example, the commission was paid to the salesman, and various manpower and material expenses were also incurred during the insurance period. Therefore, if you surrender the policy after paying for three years, the insurance company will naturally deduct their losses and will only refund us part of the premium. It is recommended that you consult the staff of Chinese Life Insurance Company before going through the surrender procedures.

Find out how much money you can refund before you go through the surrender procedures.

legal basis; Article 33 of the Insurance Law: The insurer shall not take out life insurance for a person who lacks the capacity for civil conduct, and the insurer shall not take out insurance. The provisions of the preceding paragraph do not apply to life insurance taken out by parents for their minor children.

However, the total amount of insurance benefits paid on the death of the insured shall not exceed the limit prescribed by the insurance regulatory authority. Article 34 A contract in which death is a condition for the payment of insurance benefits shall be invalid without the consent and approval of the insured. Without the written consent of the insured, an insurance policy with death as a condition for the payment of insurance benefits shall not be assigned or confiscated.

Life insurance taken out by parents for their minor children is not subject to the provisions of paragraph 1 of this article.