Pacific Insurance Surrender I paid the premium of 1274 yuan per year for two years, how much can I r

If you decide to surrender your policy, you must be thinking about how you can get as much money back as possible. The guide is sent::《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much money can be refunded under an insurance policy is divided into the following situations:

(1) Full surrender

Generally, these conditions can be surrendered in full:

1.Surrender during the cooling-off period

Generally, there is a hesitation period when buying insurance, if you are still in the hesitation period when you surrender the insurance, you can surrender the policy in full, and only deduct about 10 yuan of the cost of production, usually the beginning of the hesitation period is after the contract receipt is signed, most of them are 10-15 days, and the contract will be stipulated.

2.It is signed

Due to the non-standard operation of some salesmen, the signature of the insurance contract is signed, and the application for surrender in this case can be refunded in full.

3.There is evidence

If there is evidence that the person violates the rules or deceives the consumer, the application for surrender in this case can also be refunded in full.

(2) Refund of cash value

If the hesitation period has been exceeded, then the cash value can only be refunded, usually only savings life insurance has cash value, such as endowment insurance, 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, universal insurance and participating insurance; One-year medical insurance, accident insurance, etc., generally have no cash value.

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

(3) Return of 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 the insurance money that has been fixed will be given to the customer, and the other part will change according to the company's business situation. The detailed explanation is here:

"Demystifying the Mystery of Dividend Insurance".

Obviously, if you do not surrender the policy within the hesitation period, the money that can be returned is basically 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!

The general refund is 10%, I don't know what your insurance amount is, only 100 yuan a month, such a convenient premium can be found now, I recommend not to refund.

If you have a cash value table under your insurance policy, you will be refunded according to that table, which is about 30% of the premium you paid.

Probably refund to 10%, I suggest not to refund, such a convenient premium can be found now, only 100 yuan a month, I don't know what your insurance amount is?

Surrender is based on the year.

There is a cash value table at the back of the policy, and you can see how many years you have been buying it.

If you really don't know, just call the service ** and ask.

Push your insurance premium to be 30% of what you pay, that's so much!

Chinese insurance is basically a lie, you have been fooled!!

Pacific Insurance has paid 7 years to surrender the policy, and the policy is surrendered after the waiting period, which is a midway surrender.

In this case, if you want to surrender the policy, you can generally only get back the cash value of the policy, but not the premium you paid before. Therefore, the amount of refund depends on the current cash value of the policy. If you want to know more about the surrender of the policy, you may wish to take a look at this article:

《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss?

The so-called cash value refers to the fact that there is a cost for an insurance company to operate every insurance product. If it has been paid for 7 years, you need to see what the cash value of the policy is in the seventh year, so you can know how much you can get back if you surrender the policy.

Therefore, the surrender of the policy still needs to be considered before deciding. You must know why you want to surrender the policy, if it is because the sum insured is too low, then you can reconfigure some products of the same type that complement the original insurance coverage, and then increase the amount of insurance. Therefore, you must think carefully when you surrender your policy.

Having said so much, I still want to tell you that if you want to buy insurance, then you must choose the right insurance product according to your own situation before buying, otherwise you will surrender the insurance after buying it for a long time, which is time-consuming, may also cost money, and the protection is gone. Before buying insurance, we must understand some precautions, such as what is the hesitation period stipulated in the insurance contract, whether the coverage is complete, whether the payment period is flexible, and whether other rights and interests are provided. The following article should be read before everyone buys insurance:

Before buying insurance, you must first understand these key knowledge points!

Hope!

If you buy a Pacific Insurance product and want to surrender the policy after paying the premium for 7 years, you will generally return the cash value at that time.

Taking Pacific Xin Companion Whole Life Insurance as an example, if a 30-year-old man insures this product for himself, he chooses to pay it for 10 years, and the annual premium is 5,000 yuan. By the seventh policy year, the accumulated premiums paid were $35,000 and the cash value was only $28,215.

It can be seen that if the policy is surrendered at this time, the policyholder may suffer certain economic losses. Everyone should think carefully about surrendering the insurance.

Generally speaking, the cash value of the policy that has been insured for a long time is high, and the cash value of the policy that has only been paid for 1 year is very small.

Summary. Normal surrender, after the hesitation period exceeded, the surrender insurance company is in accordance with the cash value table on the policy, pay a premium of 5,000 yuan for one year, if the cash value of the policy is indicated on the amount of 20 0 yuan, the refund is 2,000 yuan.

Pacific Insurance has been paid for 7 years, what should I do if I want to surrender the insurance, how much can I refund, and pay 5000 a year?

Hello, glad to answer for you. The surrender amount is not fixed, and needs to be based on the actual situation of the consumer's insurance, as well as the reason for applying for surrender, etc.

Normal surrender, after the hesitation period exceeded, the surrender insurance company is in accordance with the cash value table on the policy, pay a premium of 5,000 yuan for one year, if the cash value of the policy is indicated on the amount of 20 0 yuan, the refund is 2,000 yuan.

It's about a percentage refund.

Hello, 30-80 percent.

How much depends on the insurance regulations.