I bought China Life Xin Insurance in 17 years, 20,000 yuan per year, to pay for 3 years, how much ca

Xueba talks about insurance, focusing on insurance evaluation! Don't be sloppy when buying critical illness insurance, choose carefully, and avoid losses caused by surrenderTop 10 [Not Worth Buying] Critical Illness Insurance Points!

On the question of surrender, you should first look at the insurance contract you signed before, which indicates the cash value, and the amount you can get from surrendering the policy is the cash value of the nth year of the policy, and the cash value of the first few years of surrender is the first few years of surrender. <>

Some people buy insurance and say that they will buy it and will not think about it, but then they regret it and want to surrender it. Therefore, you should be cautious when surrendering, and the key knowledge points of surrender are not known when surrendering, see this article for detailsHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Under normal circumstances, the premium cannot be fully refunded if the policy is surrendered. A portion of the loss will be made, with two exceptions:

1.Cooling-off period surrender:After purchasing insurance, there will generally be 10-15 days as the hesitation period of insurance, and if you surrender the insurance within this time, there is basically no loss;

2.Sales misleading:If the insurance purchased before was signed under the non-standard operation of the salesman, the probability of returning the entire premium is very high if the insurance contract should be signed by the person but not by the person.

In addition to these two situations, there is a part of the money that basically cannot be recovered, and at this time it is very important to reduce the loss of money, such as the option to reduce the amount to pay off:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

Surrender is not as cost-effective as this, but not all insurance products have this function, and the specific situation needs to be confirmed with the insurance company to know.

In addition,There are also several situations to pay attention to when surrendering the policy:

It's best to get your new plan and return your previous plan after the waiting period, so that your coverage isn't interrupted.

2.Health Status:If there are more physical diseases, it is not impossible to be notified by the new insurance for health information, and surrender is not the first choice for this group of people.

3.Payment card balance:If the determination to surrender the policy will not waver again, you can first clear the balance of the card that was previously bound to pay the insurance premium, so that there will not be a situation where the policy has not been successfully surrendered and the money will be deducted when the payment period is reached.

There are many more precautions about surrender, I won't elaborate, if you are very interested in the specific content, just read this article".What are the details to pay attention to when surrendering an insurance policy? Hope!

The principal will definitely be lost, and the specific loss is based on the terms of the China Life Xin insurance you bought. The terms of the insurance should be indicated.

I think the insurance product of China Life Xinxibao Insurance is also very worthy of our purchase, we can choose to go to the official ** of Chinese Life to purchase related insurance products, or we can choose to buy in the offline stores of Chinese Life. In the process of purchasing this insurance product, if we encounter various doubts or problems, we will have a special customer service staff to solve them.

No, now you are in the middle of the policy, if you do this, you will lose a lot of money, and you will not even get back the principal.

You can't get it back, because after you enter the insurance, the insurance company will charge a part of the funds as a handling fee, and the handling fee will be deducted, and the rest of the money will be returned.

Of course, you can get it back, but if you want to withdraw from the insurance, you should contact the corresponding manager, so that you can surrender the insurance.

After paying China Life Ruixin Insurance for ten years, paying 3,300 yuan per year, after ten years, the payment period expires and wants to apply for surrender, and how much can be settled in the end needs to be decided according to the contract at that time.

The coverage period is longer, and the cash value can only be refunded if the policy is surrendered at the end of the 10-year premium payment period.

It is basically impossible to reach the full premium, and there will be losses. Chinese life.

Xinrui Insurance is annuity insurance.

Participating) additional critical illness.

Insurance that is paid in advance. It has been upgraded several times, it is optional to pay the premium, and the insurance period can be selected with dividends and additional critical illness insurance in advance, with a 30-year-old male paying for 10 years, and the protection period is up to 80 years old, if the annual premium is about 13,000, the specific benefits are as follows:

1. Annuity return, receive an annuity every 3 years after insurance, until the age of 80;

2. Maturity payment, 39,000 yuan at the age of 80;

3. Death, 39,000 yuan before the age of 80;

4. Dividends, uncertain, depending on the operating conditions of the insurance company;

5. Critical illness, 12 major diseases.

39,000 yuan will be paid for diagnosis.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident, from a legal point of view, insurance is a contractual act, is a contractual arrangement in which one party agrees to compensate for the loss of the other party, from a social point of view, insurance is an important part of the social and economic security system, and is a delicate stabilizer of social production and social life, from the perspective of risk management.

From perspective, insurance is a method of risk management. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or when the friend reaches the age and time limit agreed in the contract.

The functions and significance of insurance mainly include the following aspects:

1. Provide necessary guarantees;

2. Carry out risk planning;

3. Rational allocation of funds, insurance has a certain degree of investment, is a tool for allocating funds;

4. With leverage, insurance can exchange relatively small premiums for higher sum insured;

5. Reduce the risk loss of good and laugh, and effectively resist risks.

Summary. Hello dear, I'm happy to answer your questions 6,000 yuan per year, ten years of payment, and a total of 36,000 yuan when the sixth year is paid. The cash value and accumulated survival benefit are much lower than the premiums you paid.

Hello dear, I'm happy to answer your questions Annual payment of 6,000 yuan, ten years of payment, the sixth shed town let the annual payment of the fee, a total of 36,000 yuan. The cash value and the accumulated travel deposit are much lower than the premiums you paid.

Dear, surrender is not returnable.

How much can be refunded. Pay a few years to return to the cost.

Dear, the specific amount of money that can be refunded depends on the contract you signed, where there is a clear statement of how much money can be returned in the sixth year of surrender.

Dear, this red mark is the money you can get when you surrender the policy in the sixth year, and there is also a part of the survival fund.

How much can China Life Xinfu annuity insurance refund after 7 years of surrender.

Finance mentor Xiao Ayong.

Certification: Finance.

Questions. SummaryHello, about 40% to 50% of the premium you paid will be refunded.

How much can China Life Xinfu annuity insurance refund after 7 years of surrender.

Hello, about 40% 50% of the premium you paid will be refunded.

Chinese life insurance has been paid for 7 years, and if the policy is surrendered, it can be refunded 10,000 yuan. If you have paid for 7 years of Chinese Life Insurance, you can only refund the cash value of the policy.

Generally, the surrender insurance company will not refund the total default premium, but can only refund the cash value of the policy, which is usually stated in the insurance contract, and the actual amount refunded will generally be less than the premium paid.

1. After submitting a surrender application to confirm that I want to surrender the policy, I need to submit a surrender application to the life insurance company.

2. After the materials for surrender are ready, you can go to the offline wide life insurance company outlets to go through the surrender procedures.

3. After waiting for the surrender premium to be received, the life insurance company will refund the premium within the agreed time.

Hello, about 40% 50% of the premium you paid will be refunded.

Chinese life insurance has been paid for 7 years, and if the policy is surrendered, it can be refunded 10,000 yuan. If you have paid Chinese Life Insurance for 7 years, you can only refund the current grandchild holding gold value of the policy.

Surrender insurance companies generally do not refund the full amount of premiums, but only the cash value of the policy, which is usually stated in the insurance contract, and the actual amount refunded is generally less than the premium paid.

1. After submitting a surrender application to confirm that the policy is to be surrendered, Kaila herself needs to submit a surrender application to the life insurance company.

2. After the pure slippery materials are ready, you can go to the offline life insurance company outlets to go through the surrender procedures.

3. After the surrender procedure is completed, the life insurance company will refund the premium within the agreed time.