Can I surrender my wealth management insurance in the middle of the policy? Will there be losses

Arnold answers: Hello!

Wealth management insurance can be surrendered in the middle of the policy, but the loss required to surrender the policy is different in different periods. Wealth management insurance will give a hesitation period after the policyholder's signature is confirmed, the hesitation period is generally ten days, and the surrender of the policy during the hesitation period only needs to pay about ten yuan of production cost, and the original premium is returned, and there is almost no loss in surrender at this point in time. However, after the cooling-off period, the contract is formally formed, at which point the insurance company will give a cash value table, and the cash value corresponding to the year in the table is the amount that can be obtained after the surrender of the policy in that year.

Generally speaking, the cash value of the first two years is very low, that is to say, the surrender of the policy in the first two years of insurance is to suffer a certain loss, but generally after the fifth year, the cash value is close to the premium paid, and the loss is relatively small or even undamaged.

Investment and wealth management insurance has a certain risk, but there will be a fixed rate of return on investment every year, if you are too rash when purchasing the policy, it is inevitable to bear losses, we must carefully consider it, carefully select and compare.

Wealth management insurance can generally be withdrawn halfway. If the corresponding insurance company no longer bears any insurance liability after the surrender of the policy, the insurance surrender is generally divided into surrender during the insurance cooling-off period and surrender after the insurance cooling-off period. Surrender after the cooling-off period is generally refunded based on the cash value.

You can refer to the cash value table at the end of each policy year at the end of the policy contract. The specific policy contract shall prevail. It is recommended to call the official customer service of the insurance company** for detailed consultation.

Nowadays, almost every family will buy insurance, whether it is for the elderly and children at home, or for themselves, buying insurance is a worthy investment. Insurance is divided into many types, because some customers do not understand insurance, so they will be fooled, about being fooled into buying financial insurance, now want to surrender how to refund? I think there are the following main aspects.

First of all, before buying financial insurance, you should choose a reliable salesman to handle it for yourself, and if you find that you have been fooled, you should surrender the insurance as soon as possible. Secondly, there is a hesitation period of 10 to 15 days when purchasing insurance, during which the policy can be surrendered in full. Finally, if you want to surrender the policy, you can find the insurance company to which the salesman belongs and ask for a surrender.

And explain their own situation, and the customer service staff will help the customer deal with it at the first time. In addition, the salesman who fooled the customer into buying financial insurance will also be punished.

1. Timely discovery, even if the insurance is surrendered, if you encounter difficulties, you can seek help from the public security organs.

Before buying financial insurance, you should choose a reliable salesman to handle it for yourself, and if you find that you have been fooled, you should surrender the insurance as soon as possible.

2: It mainly depends on what type of insurance product the customer has purchased, and generally speaking, the policy can be surrendered for a short time.

There is a hesitation period of 10 to 15 days when purchasing insurance, during which the policy can be surrendered in full.

If you want to surrender the policy, you can find the insurance company to which the salesman belongs and ask for a surrender. And explain their own situation, and the customer service staff will help the customer deal with it at the first time. In addition, the salesman who fooled the customer into buying financial insurance will also be punished.

Go directly to the insurance company to call **, and then submit the corresponding surrender information, but it is very difficult to enter the insurance after surrendering the insurance.

Answer: It is refundable to buy financial insurance. Generally speaking, wealth management insurance not only has a protection function, but also an investment function. If the policyholder wants to surrender the policy, he or she can go to the business department of the insurance company to apply for surrender with his valid ID and relevant information such as the insurance policy.

With the consent of the insurance company, the cash value and dividend income of the insurance will be refunded according to the contract.

Question: Can you help me see how much I can return?

You'll be paying for the end of next year.

The survival benefit will be returned once every two years, and 10% of the basic sum insured will be paid each time; Lump sum refund of premiums paid at maturity; Enjoy comprehensive death protection; The policy has a loan function to ensure flexible funds; Ideal for families with sound financial planning needs.

Can't get the principal out after the question is full? I can get the principal for 75 years! I want to get the principal at maturity.

Is it 75 years after the premium is refunded at maturity?

The insured survives to the effective date of the year after the expiration of the insurance period, and the company pays the maturity insurance premium according to the insurance premium (excluding interest), and the contract is terminated.

You are only 1 year away from here, and you still have to pay it full, and you don't need to pay any more money in the future, and you can still receive 10% of the survival fund every 2 years.

How old is the Insured now?

You can directly take the policy and find the relevant customer service to return the insurance, but you are likely to lose part of it, not the full surrender.

If you have been fooled into buying financial insurance, you can go to a lawyer to talk about this kind of problem and ask him what to do.

I was tricked into buying an insurance policy, and now I regret it a little, and it is difficult to get back.

Surrender process:1Go to the insurance company's counter to apply for a surrender.

2.The surrender applicant calls the insurance company's customer service** to apply for a surrender.

3.Prepare surrender information in advance: insurance policy, insurance contract, insurance fee receipt, ID card, savings card, etc.

4.The surrender should be done at the offline service point of the insurance company, and all the surrender information should be submitted to the insurance company's staff for approval.

5.The surrenderant cancels the cooperation with the insurance company and waits for the insurance company to refund the insurance premium.

Extended information] 1. How to surrender the full amount of financial insurance when it expires.

1.If it can be proved that one of the insurance companies is at fault, for example, the insurance salesman induces sales, conceals sales or signs the insurance without the knowledge of the policyholder or the insured, the policyholder also has the opportunity to surrender the policy in full, but there must be true and clear evidence, such as audio recordings, etc., **, chat records, etc.

2.Wealth management insurance usually has dividends, or dividends, and the cash value is relatively high. If the cash value + dividends are equal to or even higher than the premiums paid, there will be no financial loss.

2. What are the precautions for surrendering wealth management insurance when it expires?

1.Surrender will return the cash value, not the full amount of the policy, and will result in a partial loss of principal. The cash value is lower than the premium you pay early and will be higher than the premium you pay a number of years later.

Therefore, the earlier the policy is surrendered, the greater the loss suffered by the policyholder. Early surrender is not a good option, so I hope you think it through.

2.The applicant applying for handover must be an insured. If the insured person wants to surrender the policy, the written consent of the policyholder must be obtained, and the policyholder should clearly state who will receive the surrender benefit.

3.When you surrender your insurance, please bring your ID, insurance policy, and last payment history. If another person is entrusted, the applicant's power of attorney and the principal's ID card shall be presented.

3. The best plan for the surrender of wealth management insurance.

1.Surrender during the cooling-off period.

The hesitation period surrender means that the policy is surrendered within the specified time after signing the contract, and the general insurance company takes about 10-15 days after the policyholder receives the policy as the hesitation period, during which the surrender is basically a full refund after deducting the basic expenses.

2.Normal surrender.

If the policy is surrendered after the cooling-off period, it is a normal surrender, generally speaking, it will be after a certain number of years can be submitted to apply for termination, according to the contract, the insurance company will return the cash value of the policy within 30, and a certain amount can be returned.

Summary. The surrender of wealth management insurance is about 30% of the principal in the first year, and it depends on the product, which is generally listed in the contract as the cash value, which can be compared with the number of years. There is no loss if the policyholder surrenders the policy during the cooling-off period, but if the policy is surrendered beyond the cooling-off period, the cash value of the contract and the unclaimed survival benefit will be surrendered, and there may be a certain loss.

The policyholder needs to handle the surrender of the policy, and it is necessary to bring the ID card, policy and bank account to the insurance company's counter to handle the surrender.

Hello dear! Please wait for a loss of 30%-70%.

The surrender of wealth management insurance is about 30% of the principal in the first year, and it depends on the product, which is generally listed in the contract as the cash value, which can be compared with the number of years. There is no loss if the policyholder surrenders the policy during the cooling-off period, but if the policy is surrendered beyond the cooling-off period, the cash value of the contract and the unclaimed survival benefit will be surrendered, and there may be a certain loss. The policyholder needs to handle the surrender of the policy, and it is necessary to bring the ID card, policy and bank account to the insurance company's counter to handle the surrender.

If the premium is paid for 10 years, the maximum loss will be if the policy is surrendered within these 10 years. Surrender the policy after 10 years, and the loss is small.

There are two types of financial insurance surrender according to the different surrender time, namely hesitation period surrender and non-hesitation period surrender. The hesitation period refers to the policyholder's application for surrender within 10 days (15 days for the bancassurance channel) after receiving the insurance contract.

The amount of loss on the surrender of wealth management insurance rather than the hesitation period depends on the cash value of the purchase of wealth management insurance, which is specific in the insurance contract. Of course, if there is a fixed return or dividend, it will have to be calculated.

There are two main reasons for the loss of the whole life financial insurance surrender, one is that the insurance has to pay the cost of protection, and the other is that the early surrender affects the investment income of the insurance company. As for the exact amount of loss, you can calculate it based on the cash value.

Cash value, which is equal to the premiums paid by the policyholder The amount of the insurance company's overhead expenses allocated to the policy The commission paid by the insurance company to the salesperson for the policy The net premiums that the insurance company has borne the insurance liability of the policy The interest accrued on the remaining premiums, after which you can know how much money you have lost by subtracting the cash value from the premiums you have paid.

There will be a lot of loss when the financial insurance is surrendered. Don't go to a third party to surrender the insurance in full, their routine is basically to find you when you buy insurance, whether the person is misleading, inducing mistakes, and finally charge you a part of the surrender fee. We have said many times before that after the hesitation period, the surrender of the policy depends on the cash value table, and the loss of general financial management insurance is very large.

Because you originally paid more principal, and the value-added of this kind of financial management insurance is mainly for dividends, the account premium is high, the cash value of the insurance is very low, and the payment time spans half, it will be slightly better. Therefore, it is recommended to think clearly before surrendering the policy.

We have repeatedly talked about the financial management insurance contract distribution sometimes the income will be relatively low, you need to invest a cash flow every year, and you can't surrender the policy early for a long time, because early retirement maintains the limit of cash return. It is possible that the client will also lose a large amount of principal. Therefore, for wealth management insurance customers, they still need to think carefully and compare them repeatedly, can they continue to invest so much money in the future?

Can we endure the possible long-term low returns of this base?

I can't bear it, but I have been paying for more than ten years, and at this time, I can also try to reduce the amount of payment, reduce the insurance and other ways to minimize the loss.

Test your anti-risk index, and experts will interpret it for you for free!

Summary. Valid identity documents, insurance policies, bank cards and other information.

The sales department of the insurance company will handle the surrender procedure at the counter. After the approval of the insurance company, it will be in accordance with the insurance contract.

It is agreed that the cash value of the insurance policy will be refunded to the policyholder.

The insurance company bought financial insurance, how to return the policy in the middle of the surrender.

Hello dear, glad to answer for you. If you want to surrender the insurance after buying financial insurance, the policyholder can bring your valid identity documents, insurance policies, bank cards and other information to the business department of the insurance company and go through the surrender procedures at the counter. After the approval of the insurance company, the cash value of the insurance policy will be refunded to the policyholder in accordance with the insurance contract.

I bought people's livelihood insurance, pay 10,000 yuan a year, pay it for ten years, and how much money can I get back after paying for five years.

Financial insurance. Hello dear. If you surrender the policy early, the loss is relatively large, and you can only refund 70%. That's about 35,000.

Sickness insurance, I pay 4,300 a year, 20 years, how much money can be refunded after five years.

If you are a pro-illness insurance, you can withdraw it in advance, and you can only refund about half of it. The main types of surrender: Surrender can be divided into hesitation period surrender and normal surrender.

Some insurance companies offer a negotiated surrender method in order to resolve disputes. Cooling-off period surrender: Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract.

Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production. Normal surrender.

Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract. In a long-term life insurance contract, the insurance company is usually required to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, when the insured requests to cancel or surrender the policy for any reason during the validity period of the policy.