Can Pacific Golden Fortune Premium Whole Life Insurance be refunded within 15 days without any quest

Hello, this Pacific Insurance Whole Life Insurance is non-refundable with no questions asked. Not only this insurance company, but also Ping An Insurance, there are many other insurances, don't believe it, sales verbal promises, you need to read the contract clearly, everything is based on the contract.

1. There is generally a 10-day hesitation period for insurance policy B, which starts from the day the policy is obtained, and the policy can be surrendered in full during this period.

2. After 10 days, you can only get back the part of the policy value, that is, after deducting the operating costs of the insurance company, the remaining part.

3. Within a certain period of time after the insurance is purchased, you have the right to withdraw the contract, and the specific situation depends on the regulations of each company.

Legal basis. Articles 43, 44, 45 and 47 of the Insurance Law of the People's Republic of China.

There are generally two types of insurance surrenders:

1. Surrender during the cooling-off period:

If the purchased product is still within the cooling-off period, there is almost no loss in surrendering at this time. Because most insurance terms have provisions: surrender during the hesitation period, generally deduct a small amount of the cost of production or directly do not deduct the fee, which is subject to the actual regulations of the insurance company.

2. Surrender after the cooling-off period:

After the cooling-off period, only the cash value will be refunded. The cash value is the amount of money that can be returned in the event of termination or surrender of the guarantee. There may be a loss of the cash value of the refund, and if you choose to apply for a reduction in payment, it can be regarded as a way to reduce the loss.

Reduced payment: If you are unable to pay normally when the policy is in force, but you do not want to surrender the policy, then reduce the sum insured and the policy will continue to be valid. However, not all insurance products have the function of reducing the amount of payment, which is subject to the actual regulations of the insurance company.

Note: For specific insurance surrender requirements and **, it is recommended that you contact Pacific Insurance customer service at 95500 for detailed consultation.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Recently, there have been a lot of questions like you, this is critical illness insurance.

If you pay insurance premiums to prevent the risk of critical illness in the future, and you are always worried about the "principal" handed over to the insurance company, you should not buy insurance, but should buy financial management.

This product does not refund the premiums paid, and only claims for critical illness, mild illness, and death are claimed. Either you surrender the policy.

After the expiration of commercial insurance. Premiums are not refunded directly, but are converted into annuities and received.

If you have to surrender the insurance in one year, it will only be about 20% of the refund, generally speaking, the cash value that can be obtained is very small after one year of insurance, the cash value of the insurance is not the cost of the insurance paid, this asset will be accompanied by the increase of the insured to buy the insurance and slowly increase, that is, the longer the insurance purchase, the higher the cash value. The exact amount can be found in the Cash Value** attached to your insurance product contract.

Children's Jinfu Whole Life Insurance:

Children's Jinfu Whole Life Insurance is a children's life insurance product launched by Pacific Life, the insurance period is lifelong, the age requirement for the policyholder is 0 17 years old, the premium payment period can be divided into 5 years, 10 years, 15 years and 20 years, and the waiting period is 180 days.

The protection provided by Children's Jinfu Whole Life Insurance includes 105 kinds of critical illnesses, the number of claims is 1 time, and the compensation ratio is 100% of the sum insured, and the protection provided also includes 55 kinds of minor illnesses, the number of claims is 3 times, and the minor illnesses are not grouped, and there is no interval, and the compensation ratio of minor illnesses is 20% of the sum insured.

What about Children's Jinfu Whole Life Insurance?

The product form of Children's Jinfu Whole Life Insurance is actually a very traditional type of insurance product with a very traditional main insurance whole life and additional critical illness liability.

Children's Jinfu Whole Life Insurance is actually innovative and more friendly to policyholders for the additional protection given by insureds of different ages. This is also the product highlight of Children's Jinfu Whole Life Insurance. In terms of **, compared with the mainstream single-claim critical illness insurance with death liability in the market, the overall premium is about 70%, and for 0-year-old policyholders, the amount of insurance is 500,000, and the premium payment period is 20 years.

What are the pitfalls of children's Jinfu whole life insurance?

First of all, the death benefit liability of Children's Jinfu Whole Life Insurance must be purchased at the same time as the critical illness protection liability, but the death liability and critical illness benefit share the basic sum insured provided by the death liability, and the basic sum assured of the death liability must be greater than the death liability.

Secondly, the premium of children's Jinfu whole life insurance is still relatively expensive, compared with similar insurance products, including some mainstream cost-effective insurance products, the overall rate of children's Jinfu whole life insurance is about 70% higher.

On the whole, Children's Jinfu Whole Life Insurance belongs to Pacific Life, with the endorsement of a big brand, and there are many offline insurance institutions, and the terms of Children's Jinfu Whole Life Insurance are the most attractive in the case of not minding the premium**, Children's Jinfu Whole Life Insurance provides special protection at different ages, that is, the insured will provide 15 kinds of children's specific critical illnesses at the age of 18, and the protection is very sufficient. However, relatively speaking, the premium of children's Jinfu whole life insurance is indeed expensive, the product form is relatively rigid and not very friendly, and the accompanying protection terms are actually relatively cost-effective.

That's about 20 percent. The specific refund amount can be found in the cash value table of the policy, and the cash value of each policy is different.

The current price of the payment for one year is very low, about 10%.

How much money can be refunded can be checked in the cash value table in the insurance contract.

If the insurance contract has been in force for one year at the time of surrender, the "cash value" figure corresponding to "policy year"1 can be found in the cash value table and can be refunded to you.

Surrender is not only a loss, but once the policy is surrendered, there is no protection immediately.

Please treat it with caution.

If you want to know more about insurance, you can also contact me through private message.

Summary. Hello, Pacific Children's Jinfu Whole Life Insurance Whole Life Protection Basic Insured Amount, there is no return to receive.

How can Pacific Children's Jinfu Whole Life Insurance return its principal? How long is it going to take.

Hello, Pacific Children's Jinfu Whole Life Insurance Whole Life Protection Basic Insured Amount, there is no return to receive.

One option is to surrender the policy to cash value, after 36 years, the cash value is greater than the premium paid.

The other is the death of the insured.

Is the performance good? Is it worth buying? Thank you!

If you can buy it for children, it is mainly used for wealth inheritance.

Because before the child reaches adulthood, the premium is paid, and the amount of the minor death benefit for the child will not exceed 200,000.

Whole life insurance is suitable for the financial support of the family and for wealth inheritance. For middle-class families, you can consider configuring it for children.

It is best not to return the insurance without special circumstances, as the physical health situation will change with age, there will be a possibility of refusal and exclusion of the insurance when re-insured, and it is recommended to keep it for 15 years, and there will be a loss when surrendering the insurance. Insurance surrender after the hesitation period is according to the cash value of the policy surrender, the insurance contract has a table of insurance cash value, the value of the corresponding payment period is how much can be refunded, if the funds are tight for a short time, the insurance will have a grace period of 60 days to pay, the insurance will generally have no payment for more than two years, you can make up the terms of reinstatement, but there is no protection for these two years, look at how you write the terms of the policy. If you surrender the policy, you can't recover it, so you should consider the operation so as not to regret it.

Summary. Hello. Is Pacific Jinfu Life Whole Life Insurance Returned:

There is no refund of premiums in Jinfu Life. However, if the policyholder wants to get back the premium, he can apply for surrender by surrendering the policy within the appropriate number of years, according to the cash value table of the policy, so that he can get back part of the cash, but at the same time the contract is terminated. Jinfu Life is a critical illness insurance launched by Pacific Insurance in 2019, which has the feature of double compensation for specific diseases.

Hello. Is the closed Pacific Jinfu Life Whole Life Insurance returned: Jinfu Life does not return the premium.

However, if the policyholder wants to get back the premium, he can apply for surrender by surrendering the policy within the appropriate number of years, according to the cash value table of the policy, so that he can get back part of the cash, but at the same time the contract is terminated. Jinfu Life is a critical illness insurance launched by Pacific Insurance in 2019, which has the feature of double compensation for specific diseases.

Pacific Insurance has China Pacific Property & Casualty Insurance Co., Ltd., China Pacific Life Insurance Co., Ltd., Pacific Asset Management Co., Ltd., China Nian Zhige Pacific Insurance (Hong Kong) Co., Ltd., and the company has invested in China Pacific (USA) Service Co., Ltd. in the United States, and has representative offices in London and New York. In 1998, the company and ING Group jointly established Pacific Aetna Life Insurance, which is the first Sino-foreign joint venture insurance company in China. As of the end of 2008, the total assets were 100 million yuan and the net assets were 100 million yuan.

In 2008, the insurance business revenue was 100 million yuan, an increase over the same period of last year, and in terms of market share, CPIC was the second largest property insurance company in China, and CPIC Life was the third largest life insurance company in China. By the end of 2011, it had more than 6,000 branches, more than 10,000 employees and more than 320,000 property and life insurance marketers, providing a full range of risk protection solutions, investment and asset management services for 70 million customers across the country.

Summary. Hello dear, there is no function of returning the premium, after the expiration of the contract protection period, only the effect of the protection is suspended, the principal will not be returned, only the purchase of a returnable insurance product can get the return of funds after the end of the contract.

Hello group model, there is no function of returning the premium, after the expiration of the contract protection period, only the effect of the guarantee is suspended, and the principal will not be returned, only the purchase of a returnable insurance product can get the funds or delay the return after the end of the contract.

Liability: Death Benefit or Total Disability Benefit (1) If the Insured dies or becomes totally disabled as a result of an accident, or dies or becomes totally disabled due to reasons other than the accident after 180 days from the date of entry into force of this contract or the last reinstatement of the leakage (whichever is later): If the insured is under the age of 18, we will pay the death benefit or total disability benefit according to the total amount of insurance premiums you have paid in accordance with this contract, and this contract will be terminated.

If the insured is over 18 years old, we will pay the death insurance benefit or total disability insurance benefit according to the basic insurance amount of this contract, and this contract will be terminated. (2) If the insured dies or becomes totally disabled due to reasons other than accidental injury within 180 days from the date of the effective date of this contract or the last reinstatement (whichever is later), we will pay the death benefit or total disability insurance benefit according to the total amount of insurance premiums you have paid in accordance with this contract, and this contract shall be terminated.

Summary. Dear, Hello, Pacific Jinfu Preferential is a lifelong critical illness insurance product that has just been launched, which cannot be refunded after 19 years, and it can only be claimed after the insurance.

Dear, Hello, Pacific Jinfu Preferential is a lifelong critical illness insurance product that has just been launched, which cannot be refunded after 19 years, and it can only be claimed after the insurance.

What does it mean to be out of danger.

1) Disability Protection: The so-called disability is the loss of the ability to live independently; Pacific Jinfu Preferential has agreed that during the period between the ages of 18 and 61, if the person is disabled due to a critical illness, an additional 100% of the sum insured can be paid, and a total of 200% of the sum assured will be paid. 2) Death and Total Disability: Pays the basic sum insured 3) Comes with the insured's waiver, if you unfortunately suffer from a critical illness or mild illness as agreed in the contract, you can be exempted from paying subsequent premiums, which alleviates the premium pressure to a certain extent.

Going out of business is taking out insurance.

If you haven't been out of insurance for decades, can you only refund the cash value if you play back?

Yes. Only the cash value will be refunded when the policy is surrendered.