I bought 4,000 yuan of Pacific dividend insurance for my son for less than a year, can I get it back

Xueba talks about insurance, focusing on evaluating children's insurance! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

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What insurance is good for children

First, the country's medical insurance must be handled!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

Second, in addition to the national medical insurance, some necessary commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance is preferred.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance pays cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve many hidden problems in the future, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is particularly cheap, with an annual protection of 200,000 yuan, only sixty or seventy yuan. Accidental death, disability and accidental medical liability of the child can be covered, and it is very cost-effective.

Third, what insurance should not be bought for children?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleTeach you how to buy insurance for your child!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year.

That's all for me"I bought 4,000 yuan of Pacific dividend insurance for my son for less than a year, can I get a refund? How much can be refunded"All of them, I hope it helps you! Hope!

Don't return, it's too inappropriate (and you can return half of it), the landlord can choose not to pay it in the second year!

You can choose to surrender the policy, as for how much, you have to look at the insurance contract you signed at the time, which has clear provisions.

OK. Pacific Insurance can be surrendered according to the following process:

2.Prepare the surrender information, usually need the insurance policy, the policyholder's ID card, the premium payment certificate, the insurance contract termination application, etc., and bring the surrender information to the offline service outlets of Pacific Insurance Company to go through the surrender procedures;

3.The insurance company's staff will assist in the surrender of the policy, usually recovering the policy and crediting the surrender money into the bank account provided by the policyholder within the agreed time.

4.Take out the insured Pacific insurance contract, confirm whether your policy has a hesitation period, if there is no hesitation period, you can go to the Pacific Insurance business office to go through the relevant procedures for surrender, so that the surrender loss will be relatively small.

5.If the cooling-off period is exceeded, there will generally be a claim dispute. Because beyond the cooling-off period, the insurance product will be surrendered according to the cash value of the policy, and the cash value is the result of the relevant accounting by the actuary of the insurance company, so the loss will be relatively large for the policyholder, so it is recommended to consult how much money needs to be deducted for surrender in advance, and then make a surrender decision.

Further information: Surrender is generally divided into hesitation period surrender and normal surrender.

1. Surrender during the hesitation period. Cooling-off period 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.

2. 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 insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

3. As mentioned above, the surrender of Pacific Insurance is generally divided into the hesitation period and the hesitation period. If the policy is surrendered within the cooling-off period, the insurance company will refund all the premiums after deducting the cost of the insurance. If the policy is surrendered after the cooling-off period, it will be regarded as a normal surrender and only the cash value of the policy will be refunded.

Summary. Pacific Dividend Insurance can get back 2,000 yuan when surrendered. In the first year or two of surrender, generally speaking, the loss is relatively large, because at this time we give the salesman more commissions, may be able to get back 20%, 30% or so, if in the later stage of payment, the dividend insurance must be able to get back the principal, but in the later stage of payment, to be honest, it is not recommended that you surrender the insurance, or depending on your own situation to choose.

Pacific Dividend Insurance can get back 2,000 yuan when surrendered. In the first year or two of surrender, generally speaking, the loss is still more disturbing, because at this time we give the salesman more commissions, may be able to get back 20%, 30% or so, if in the later stage of payment, the dividend insurance will definitely be able to get back the principal scum, but in the later stage of payment, to be honest, it is not recommended that you surrender the insurance, or to see your own slow beam leakage to choose.

The policyholder pays a premium of 2,000 yuan when purchasing the participating insurance, and when the policy is surrendered during the hesitation period, the insurance source defense company will refund 2,000 yuan. Regarding the amount of insurance surrender, it is closely related to the type of insurance and the time of application. Spring potatoes How much can be refunded when the participating insurance is surrendered?

I have a participating insurance that pays 10 years and 10,000 a year, and now I have paid 60,000 for 6 years, and now I want to surrender the insurance and how much principal can I return.

OK. The surrender of Pacific Insurance can be carried out in accordance with the following process: 1To apply for surrender to Pacific Fierce Bridge Insurance Company, you can call Pacific Insurance customer service** to apply, and ask for specific information before surrender;

I'm asking you to help me calculate how much principal I can get back.

Bonant returned 60,000

Are you sure? The determined principal can be recovered.

Hello I am very happy to serve you, Pacific participating insurance can be refunded, but surrender is accompanied by losses, whether it is surrendered at the end of the term, or not paid to the full want to return, it is recommended to calculate how to surrender the loss to the minimum, and then to find the best period for surrender. At the initial stage of deciding to surrender the policy, you can first change the way of paying premiums, from annual payment to quarterly payment or monthly payment. You can also use the policy to apply for a loan, and the participating policy loan can borrow up to 90% of the cash value of the insurance, which is also a way to reduce losses.

At the same time, you can also reduce the amount of insurance, friends who have purchased insurance know that the higher the amount of insurance, the higher the premium, and reducing the amount of insurance can reduce the premium. I hope mine is helpful to you, give a thumbs up thank you.

Summary. 700 yuan can be refunded.

1.If the policy is a one-year policy, the premium paid can be refunded after the cooling-off period, and the remaining premium can only be refunded after deducting the premium and handling fee corresponding to the number of days of protection after the cooling-off period. 2.If it is a long-term insurance, then the surrender of the policy during the hesitation period can refund the premium paid, and the surrender after the hesitation period can refund the cash value of the policy, but there is a loss, and the loss is very high, more than 90% in the first year.

Pacific Insurance pays 7,000 yuan a year, and if you don't want to pay it, you can refund more money.

Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you. [Insurance information inquiry is very time-consuming, after ten minutes your questions are very serious, please be patient and wait for ......Hunger.

700 yuan can be refunded. 1.If it is a one-year policy, the premium paid can be refunded after the hesitation period, and the remaining premium can be refunded after the hesitation period. 2.

If it is a long-term insurance, then the premium paid can be refunded during the hesitation period, and the cash value of the policy can be surrendered after the hesitation period, but there is a loss, and the loss is very high, more than 90% in the first year.