Taiping Excellence World Enjoyment Whole Life Annuity Insurance has been bought for two years, how t

Recently, I have seen that critical illness insurance accounts for a large part of the surrender of insurance, and it is normal, critical illness insurance is more complicated, and it is inevitable that you will not be satisfied with it"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

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

(1) Online surrender

Generally speaking, it is to find the policy on the personal homepage of the insurance, apply for surrender, and operate according to the requirements, but there are relatively few insurance policies that can be surrendered, and many policies have to be surrendered to the insurance company.

Remind you that if you buy insurance in a bank and other apps, you have to find the insurance company behind the policy if you want to surrender the policy, because the bank can't issue insurance products by itself, and it is the insurance company that really provides protection, so you have to find an insurance company for 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:

Typing ** can ensure that you bring all the information, so that you can go to the application at one time. The insurance company cannot refuse the policyholder's surrender application, but the surrender can often only return the cash value, and there will be losses, so you must 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 decide to surrender your policy, please remember that it is important to surrender your old policy after the new policy has taken effect to ensure that the protection is always available.

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!

Hello, surrender the policy halfway, the loss is relatively large, you can only return the cash value on the cash value table on the insurance policy, it is generally not recommended to surrender the policy, I hope you consider it carefully, good luck.

Summary. Hello dear, happy to answer for you. Taiping Excellence World Enjoyment Whole Life Annuity Insurance is not available for 10 years, and the principal cannot be withdrawn directly through the annuity insurance account after the expiration of the annuity insurance, so if you want to use the money, you can choose to surrender the policy.

If the policyholder buys annuity insurance and surrenders the policy after the expiration of the premium payment period, the insurance company will only refund the cash value of the policy at that time, but will not refund the principal. However, there are some annuity insurances, and when the cash value of the policy has exceeded the premium paid at the end of the premium payment period, it is still possible to refund the principal.

Hello dear, happy to answer for you. He Liang pretended to be Taiping Excellence World Enjoying Lifetime Annuity Zen Stove Insurance for 10 years can not be taken, after the expiration of the annuity insurance, the key town can not directly withdraw the principal through the annuity insurance account, at this time, if you want to use the money, you can choose to surrender the policy. If the policyholder buys annuity insurance and surrenders the policy after the expiration of the premium payment period, the insurance company will only refund the cash value of the policy at that time, but will not refund the principal.

However, there are some annuity insurances, and when the cash value of the policy has exceeded the premium paid at the end of the premium payment period, it is still possible to refund the principal.

Annuity insurance is that the longer the period, the higher the cash value. Therefore, it is not recommended for the policyholder to surrender the policy, and if the premium cannot be borne due to the short-term economic short-term in the car key room, he can apply for a policy loan. Annuity insurance is a kind of life insurance, in which the insurance company pays the insurance money to the insured in accordance with the contract until the death of the insured or the expiration of the insurance contract, so as to protect the economic expected income of the insured in old age or the period agreed between Xiangsen and the insurance company.

Annuity insurance generally pays the insured on an annual, semi-annual, quarterly or monthly basis.

Pretty good. As an annuity insurance, its protection content is quite simple, you can get a survival insurance premium for the fifth year of the policy, and you can get a survival insurance premium every year from the sixth year until life. When you pass away, you can enjoy the death insurance benefit, which is also a kind of protection, and can also provide some help to the family at the end.

This Elite Supreme Lifetime Annuity can be divided. You can also use this dividend to increase the sum insured, and with the increase in the effective sum insured, the survival insurance benefits that can be obtained each year will also increase.

I hope mine can be helpful to you, thank you for your advice, thank you,.

Is Taiping Excellence Supreme Whole Life Annuity Insurance good?

As an annuity insurance, its protection content is quite simple, you can get a survival insurance premium for the fifth year of the policy, and you can get a survival insurance premium every year from the sixth year until life. When you pass away, you can enjoy the death insurance benefit, which is also a kind of protection, and can also provide some help to the family at the end. This Elite Supreme Lifetime Annuity can be divided.

You can also use this dividend to increase the sum insured, and with the increase in the effective sum insured, the survival insurance benefits that can be obtained each year will also increase. I hope mine can be helpful to you, thank you for your advice, thank you,.

For example, if Xiao Wang is 20 years old, he has purchased this Taiping Excellence Supreme Whole Life Annuity Insurance, with a payment period of 3 years and an annual payment of 100,000 yuan, and he chooses the mid-range dividend settlement interest rate. Total Premium:

300,000 yuan to Xiao Wang when he is 23 years old (the third policy year) The cash value of the main insurance: 295623 yuan, that is to say, in the third year after the insurance is roughly close to the return of capital (the cash value is the money that can be obtained after surrendering). When Xiao Wang is 25 years old (the fifth policy year), Xiao Wang can get a special survival fund of 63,408 yuan with 20% of the premiums paid.

When Xiao Wang was 26 years old (the sixth policy year), Xiao Wang began to take 30% of the sum insured every year as a survival fund, and the survival fund at this time was 5,995 yuan. By the time Xiao Wang was 76 years old (the 56th policy year), the cash value reached about 600,000, and the income had doubled. The survival fund of that year also increased with the dividends, and the insured amount increased to 11,919 yuan.

According to the payment period of 3 years, the surrender of Taiping Excellence Supreme after 3 years is cost-effective.

If Xiao Wang is 20 years old, he has purchased this Taiping Excellence Supreme Lifetime Annuity Insurance, with a payment period of 3 years and an annual payment of 100,000 yuan, and chooses the mid-range dividend settlement interest rate.

Total premium: 300,000.

When Xiao Wang is 23 years old (the third policy year), the cash value of the main insurance: 295623 yuan, so that the return on the principal will be almost complete for about three years after buying the insurance (the cash value is the money that can be obtained after surrendering).

Further information: Insurance (insurance or insuraunce) is the basic means of risk management (under the conditions of market economy), an important pillar of the financial system and social security system[1], and also a kind of insurance money liability for compensation for property damage caused by the possible accident as agreed in the contract (or the death, disability, illness or age of the insured as agreed in the contract, The act of the insurer paying the insurance premium to the insured.

Insurance, economically, is a financial arrangement for apportioning accident losses, legally it is a contractual act in which one party agrees to compensate the other party's losses, socially it is an integral part of the social and economic security system, and risk management is the basic method.

History of China's Insurance Industry:

In 2007, Chinese Life Insurance, Ping An of China, and China Taibao landed on the A** field. Pan-China Insurance is listed and traded on NASDAQ.

In June 2007, Chinese Insurance Holding Company was renamed Chinese People's Insurance Group Corporation.

In September 2007, the U.S.-listed company eHealthInsurance's Youbao was officially launched in Xiamen, which means that China's insurance has entered the era of e-commerce.

On June 3, 2009, Centennial Life Insurance Co., Ltd. was established with the approval of the China Insurance Regulatory Commission.

On December 23, 2009, CPIC was successfully listed on the Hong Kong Stock Exchange, joining Hong Kong with two other insurance giants in the mainland.

On December 15 and December 16, 2011, Xinhua Life Insurance Co., Ltd. ****, A+H was listed simultaneously. It became the first insurance company in China to be listed on A+H shares simultaneously, and it is also the fourth insurance stock in China.

In March 2012, China Taiping was included in the list of ** financial enterprises under direct management.

On May 14, 2012, the company was approved by the China Insurance Regulatory Commission to provide a comprehensive insurance e-commerce platform for the sales and services of insurance products nationwide.

On June 7, 2013, China Taiping Insurance was restructured and listed as a whole, and the company was renamed China Taiping Insurance Group Co., Ltd. and listed as a whole.

On June 9, 2013, the China Insurance Regulatory Commission (CIRC) designated July 8 as the "National Insurance Public Publicity Day" to strengthen the public's awareness of protection.

Summary. Hello, I will come to you for this question. It is revitable.

Taiping Meimei Jinsheng Whole Life Insurance can be surrendered, but the premise is that our insurance product has not applied for insurance benefits with the insurance company, otherwise Taiping Insurance Company will reject our surrender application. If we want to go through the surrender procedures, we will directly apply to Taiping Insurance Company for surrender, and to terminate the contractual relationship between the two parties, we only need to wait for a period of time, and the relevant person in charge will provide us with surrender services. If you still have other questions about surrender, you can also contact the insurance broker directly, or go to the local insurance company to understand the situation clearly, and then decide whether to surrender the policy.

Hello, I will come to you for this question. It is possible to cancel the insurance by the state. Taiping Meimei Jinsheng Whole Life Insurance can be surrendered, but the premise is that we have not applied for pure disturbance insurance benefits with the insurance company, otherwise Taiping Insurance Company will reject our surrender application.

If we want to go through the surrender procedures, we will directly apply to Taiping Insurance Company for surrender, and to terminate the contractual relationship between the two parties, we only need to wait for a period of time, and the relevant person in charge will provide us with surrender services. If you still have other questions about surrender, you can also contact the insurance broker directly, or go to the local insurance company to understand the situation clearly, and then decide whether to surrender the policy.

After the hesitation period, because for the insurance company, a certain amount of money has been paid to the, so there will be a loss in surrendering the policy. Generally, only the cash value of the policy can be refunded. The year of surrender has a greater relationship with the cash price per mu of rubber value, generally speaking, after the premium payment time is relatively long, the proportion of the value of the current early payment will be relatively high.

Summary. Hello, Taiping Excellence Lifetime Annuity Insurance Dividend can be taken out at one time, but if you take it out in advance at one time, there will be a relatively large loss, and it is not recommended to take it out in advance.

Hello, Taiping Excellence Enjoy Buried Lifetime Annuity Insurance Dividend Type can be taken out at one time, but the key liquid must be taken out in advance at one time, and there will be a relatively large loss.

The benefits of the Taiping Elite Lifetime Annuity Insurance (Participating) policy are as follows: the policy will receive a survival benefit immediately after the policy is effective, the amount is 30% of the basic sum insured, which is paid immediately, and the high amount will be returned, and the survival annuity will receive a survival pension every year from the age of 30 to life, and the survival annuity increase will receive 30% of the accumulated dividend insurance amount every year, and receive it for life, and the increased income will be 100% of the basic insurance amount + accumulated dividend sum insured at the age of 65. That is, the policy anniversary date when the insured is 65 years old to receive the principal back.

Summary. Hello, dear, Taiping Insurance has paid 6 years of surrender and the process is as follows:1

The policyholder should bring a valid ID card and fill in the surrender application form at the insurance company's service desk to handle the surrender. 2.Contact the service person of the insurance company to submit a surrender application, and the **person of the insurance company will print the surrender application, find the policyholder to sign, and provide a copy of the ID card.

The service staff of the insurance company will return the information to the company for surrender.

Hello, dear, Taiping Insurance has paid 6 years of withdrawal and sliding insurance The process is as follows:1The policyholder should bring a valid ID card and fill in the surrender application form at the insurance company's service desk to handle the surrender.

2.Contact the service person of the insurance company to submit an application for surrender, and the person of the insurance company will print the surrender application, find the policyholder to sign, and provide a copy of the ID card. The service staff of the insurance company will return the information to the company for surrender.

It has been paid for nearly 6 years, and the policy is surrendered after the cooling-off period. According to the contract, the normal surrender can only refund the part of the cash value of the insurance contract, and the cash value of the 6th year of the policy can be refunded, and you can check the cash value table in your policy contract for calculation. Early surrender of the policy will be a great loss for the policyholder.

If you want to surrender the policy in full, you need to buy the insurance in violation of the rules. For example, if there is a salesman signing on behalf of the salesman or the salesman exaggerating and falsely advertising the protection benefits, not explaining the terms of the policy contract in detail, and the customer is not clear about the insurance benefits of Linghe Chu and giving rebates to the customer, etc., it is a violation of the law.

First of all, there is a page of cash value in the purchased insurance contract. The cash value table will be expressed in three ways, namely the cash value for every $1,000 of the basic sum insured, the cash value for every $10,000 of the basic sum insured, and the cash value of the policy. If the cash value corresponding to every 1,000 yuan of insurance amount in your insurance contract is in your insurance contract, then you first need to change the basic insurance amount to a multiple of 1,000, and then multiply it by the number in the cash value table of the corresponding policy year to calculate the cash value of the current year.

For example, if the basic insurance amount of your policy is 200,000, you have been paying for 6 years. In the cash value table, the value of the 6th year is 86 yuan, then, the calculation method is 200000 1000 86 = 17200 yuan, the cash value of the policy in the 6th year is 17200 yuan, and the surrender is 17200 yuan. The specific amount is based on the amount stated in the cash value table of your policy contract.