Can I withdraw the insurance before it expires, and can I withdraw the principal after the insurance

The insurance purchased is generally not able to be withdrawn in advance without expiration, and there is a possibility of loss of principal in advance of the insurance inspection, so it is best to go to the insurance company to consult clearly before deciding how to handle it, so as not to lose the principal. 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, and socially it is an integral part of the socio-economic security system, risk management.

is the basic method.

Extended information: 1. How to get the full refund of the insurance surrender.

Surrender is generally only possible during the policy cooling-off period.

If the cooling-off period has passed, the insurance company will only refund the cash value of the policy.

The losses will be relatively large. In addition, if the consumer is misled or tricked into applying for insurance by the insurance salesman, if he can provide proof, he can also complain to the insurance company and request the surrender of the insurance policy and return the full premium.

2. How to refund the insurance surrender according to the percentage of refund?

Surrender during the cooling-off period. Insurance companies will give consumers certain protection, for example, long-term insurance is set with a 10-15 day hesitation period, and the surrender of the policy during the hesitation period only needs to deduct the cost of production and the sum insured.

It can be returned in full.

Non-hesitational surrender. If the policy is surrendered during the non-hesitation period, the user will lose money and will only get the cash value of the insurance. Insurance companies will spend manpower and material resources to be responsible for the cost of operation, and the cost of production will be deducted.

In the first year of purchasing insurance, the insurance company will let the ** person pay most of the management fees, and once the policy is surrendered, the management fees paid cannot be recovered.

3. How to return the insurance surrender.

Submit an application for surrender: Individuals should go to the designated business outlets of the insurance company at the appointed time to submit a surrender application to the staff and submit a surrender application.

The insurance contract and the final proof of payment, the identity card of the applicant.

The surrender premium will be credited to the bank card: After the insurance company approves the application, the refunded premium will be credited to the bank card account designated by the applicant.

4. How to write the surrender application The surrender application should write the name, ID card and reason for surrender of the policy, and then sign it. A true, clear, and undamaged resident ID card and its copy must be presented when applying for surrender. In accordance with the Interim Regulations on the Collection and Payment of Social Insurance Premiums.

Stipulating that units or individuals make false reports, conceal reports, or provide false, forged, or altered certification materials, municipal social insurance**.

The Authority will hold them accountable in accordance with the law.

No, it is not possible to get back the principal without the expiration (maturity) of the insurance.

If you are in a hurry to use the money to surrender the policy, the surrender is given to the cash value, the loss is very large, the specific amount of refund can be seen in the cash value table attached to the back of the policy.

If you don't want to surrender the policy, you can borrow money from the policy, and the amount borrowed cannot be greater than 80% of the cash value of the policy. Insurance, whole life insurance, endowment insurance, annuity insurance, and participating insurance, all of which have a cash value, can usually be used for a policy loan after one year of insurance. For short-term casualty, medical and term life insurance, there is no loan function because there is no cash value.

Interest is capped at the one-year loan interest rate + announced by the People's Bank of China. The loan term is usually not more than 6 months and should be repaid before the next policy anniversary. The procedures are relatively simple, and the customer can submit a written application to the insurance company after preparing the relevant information (such as ID card, insurance policy, etc.).

Usually, the loan amount will be credited within 3 to 6 working days. Please note that loans are not available for policies that have incurred premium waivers, automatic premium payments and claims are being filed, depending on the terms of each insurance company.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Can I take out the insurance product I bought at the bank before it expires?

The principal may not be withdrawn after the expiration of the insurance. 1. If it is a consumer-based insurance, then there is no return liability, even if the protection expires, the insured still survives safely, and the insurance company will not return any fees if the insurance is not out of the insurance period, so there is no principal to withdraw after the insurance expires, but you can receive a surrender money by surrendering the insurance, but the protection will be invalid after surrender;

2. If it is a return-type insurance, it can be returned after the expiration of the insurance period, then the policyholder can receive the refund according to the insurance contract, and the principal can be withdrawn.

3. If it is a return insurance, assuming that the expiration of the insurance period is 20 years, and the maturity survival insurance guarantee is provided, it means that the protection expires, and if the insured is still alive and well, then the insurance company can return a maturity survival insurance payment, and the money can also be withdrawn.

The question of whether you can get the principal back after the expiration of the insurance depends on the type of insurance you have purchased.

If you purchased it for:

1.Pure consumption (such as term life insurance) cannot get the principal back;

2.Wealth management type generally has a guarantee, so it can be returned after expiration;

3.For the universal type, it depends on the amount of payment, the amount of insurance, the age of the insured, etc., to determine whether the principal can be recovered;

4.Critical illness and accident (except for consumption) are ultimately the sum insured, and as long as the premium is not upside down, the cost can be recovered.

This answer is provided by Youqian Hua, I hope it will be helpful to you. As a credit brand under Du Xiaoman Finance (formerly Finance), Youqian Hua brings users convenient, fast and reassuring Internet credit services, with a maximum borrowing limit of 200,000 yuan.

I entered the insurance is Ping An, Ping An Zhiyue Life Whole Life Insurance has been paid in 15 years, can I withdraw the principal in the 16th year?

Life insurance is not due and cannot be withdrawn in advance, which is a unilateral default.

If the insurance is not due, the cash value can be withdrawn and you can take out a loan from the policy.

It is possible to go through the surrender procedures, but the loss of early surrender is very large, and it is best not to surrender the policy.

There is no interest on the insurance, and early withdrawal is equal to surrender (illegal contract).So not only is there no interest, but the principal is also lost!

The money of the insurance can be withdrawn when it expires, but not every insurance can withdraw the premium after it expires, only the savings type of insurance can withdraw the premium, and the money of the savings insurance will lose part of the income.

There are many types of insurance, which can be classified in a broad sense: loss compensation insurance and savings insurance. To put it in layman's terms, insurance has accident insurance, health insurance, wealth management insurance and other products, and wealth management insurance also includes pension insurance, participating insurance and annuity insurance. Accident insurance and health insurance can be regarded as a one-time guarantee, which means that the policyholder pays a premium, and if the insured person is out of the insurance within a certain period of time, the insurance company will make a corresponding claim and the insurance contract will be terminated.

Moreover, once the health insurance is out, most insurance companies will turn the user away, because the insurance company requires that the insured person of the health insurance must be healthy. Money cannot be withdrawn from loss-compensatory insurance.

Savings insurance is to save money, and the interest is similar to that of the bank, but the bank's fixed deposit is not as "fancy" as savings insurance. Take endowment insurance as an example, the insured will have an adult gift when they reach adulthood, if they do not receive it, they will receive a wedding gift when they get married, and if they do not receive it, they will receive a birthday gift when they are 80 years old, and the amount of the gift money will gradually increase.

The money can be saved back with interest.

Question: Can't you take it out now?

You can withdraw it early now, but I'm afraid you won't get that much.

Question: I'm in need of money.

It is revitable.

It is revitable.

You can bring your ID card and bank card to get it.

Summary. <>

Hello dear, happy to serve you <>

The insurance deposit can be withdrawn when the insurance deposit in the bank is not yet due, but the cash value of the policy can only be received by surrendering, which is a hesitation period (10 days, 15 days, 20 days after receiving the insurance contract, the specific number of days is subject to the insurance contract) surrender, you can refund the insurance premium that has been paid, if it is the hesitation period after surrender, you can refund the cash value of the policy. For different insurance products, even if the payment cycle and payment amount of the same insurance product are different, the corresponding cash value is also different, you can check the cash value table of the policy or consult the insurance company to learn.

Can I withdraw the insurance deposit if it does not mature?

Hello dear, happy to serve you <>

The insurance deposit can be withdrawn when the insurance deposit in the bank is not yet due, but the cash value of the policy can only be received by surrendering, which is a hesitation period (10 days, 15 days, 20 days after receiving the insurance contract, the specific number of days is subject to the insurance contract) surrender, you can refund the insurance premium that has been paid, if it is the hesitation period after surrender, you can refund the cash value of the policy. For different insurance products, even if the payment cycle and payment amount of the same insurance product are different, the corresponding cash value is also different, you can check the cash value table of the policy or consult the insurance company to learn.

Deposit insurance, also known as deposit protection, refers to the state through legislation to provide clear legal protection for the public's deposits and promote the healthy development of the banking industry. On May 1, 2015, the Regulations on Deposit Insurance came into effect, marking the formal establishment of China's deposit insurance system.

Summary. Hello dear, happy to answer your <>

The insurance can be withdrawn in full when it expires, because after the expiration of the insurance period, the insurance company will pay the insurance money according to the agreement, so the full amount will be refunded.

Can I take out the full amount of the insurance when it expires?

Dear, if you are lucky, I will be happy to answer your <>

The insurance can be withdrawn in full when it expires, because after the expiration of the insurance period, the insurance company will pay the life insurance product according to the agreement, so it will be refunded in full.

Legal Analysis: Whether the money can be withdrawn at the end of the insurance depends on the type of insurance you buy. If you buy consumer insurance, you can't get back the principal, if you buy a wealth management insurance, it is generally guaranteed, and you can take this trip to return the principal after expiration, while Wansen rental insurance will decide whether to get back the principal according to factors such as the amount of insurance, the amount of payment and the age of the policyholder.

Legal basis: Civil Code of the People's Republic of China Article 73 If the debtor neglects to exercise its due creditor's rights and causes damage to the creditor, the creditor may request the people's court to subrogate the debtor's creditor's rights in its own name, except that the remaining creditor's rights are exclusive to the debtor itself. The debtor's own creditor's rights include rights such as personal insurance, the right to claim compensation for personal injury, etc.

That is, life insurance does not fall within the scope of the recovery of debts, and the court can freeze your real estate, **, accounts, etc., except for insurance assets.

Accident insurance is generally a one-year short insurance, and when the policy expires, the money is equivalent to being consumed and cannot be taken out. There is also a long-term return type of accident insurance, where you can get back the premiums you paid before the end of the coverage period.

1) The difference between return-type accident insurance and consumption-based accident insurance.

Consumer-based accident insurance refers to accident insurance that will not return the premium paid after expiration, that is, the entire premium paid by the policyholder is consumed. Consumer-based accident insurance is generally paid for one year and insured for one year, which is cheap and cost-effective. Return-type accident insurance is generally paid for 10 years, and the premium paid and a small amount of interest will be returned at the end of 30 years.

Premium** aspects.

The ** of consumer accident insurance is relatively cheap, generally about 100 yuan, and the premium of return-type accident insurance is more expensive, and the annual premium is generally about 2000 yuan.

In terms of premium refunds.

The refundable accident insurance will return the premium and interest paid when it expires, and the consumer accident insurance will not refund the premium when it expires, and all the premiums will be consumed.

In terms of the duration of the insurance.

The return type accident insurance generally has a long protection period, according to the needs of the policyholder, you can choose to insure for a certain period or for life, and the payment time is generally longer, and the protection period of consumer accident insurance is generally one year, and the payment is one year of insurance.

ii).Why is it not advisable to buy return-type accident insurance?

Compared with consumer accident insurance, return-based accident insurance is much more expensive, and return-based accident insurance takes a long time to pay and requires a long period of investment. Although return-type accident insurance is a kind of savings insurance, its income is generally not high, and it is not as high as depositing in the bank.

Accident insurance is used frequently for accidental medical treatment, such as being scratched by a cat or dog, or being injured by a fall and falling, etc., which need to be reimbursed by accidental medical treatment. There is no accidental medical liability for returnable accident insurance, and the ** expenses caused by accidental injuries cannot be reimbursed. In accidents, the probability of disability is greater than that of total disability, and the return accident insurance has no disability protection, which greatly weakens its own protection function.

c).How do I buy accident insurance?

If you are afraid of accidents such as falls and scratches, you can buy accident insurance, and you must buy accident insurance with a high enough insurance amount, and the disability compensation of accident insurance is paid according to the proportion of disability level. The financial loss caused by accidents is often very large, and it is recommended to buy as much as possible. Considering the insurance company with good service and fast claim settlement, when signing the accident insurance contract, it will list the circumstances under which the insurance company will not pay, and read the exclusion clause clearly.