Where can I apply for a surrender policy? How do I apply for a surrender policy?

1. Go to the company in person. The materials include: surrender application, ID card of the policyholder, copy of bank card, insurance contract and insurance premium invoice.

2. Entrust the salesman to the business hall to handle it. Materials include: surrender application, power of attorney, ID card of the policyholder, copy of bank card, insurance policy and insurance premium invoice.

Surrender is the cancellation of an insurance policy. After the insurance contract is signed, the parties may terminate the contract by agreement or in accordance with the laws and regulations of the country. In most forms of non-life term insurance policies, there is generally a clause for cancellation of the insurance policy, which sets out the conditions under which either party may cancel the insurance policy before it expires, so as to protect their respective interests from unreasonable prejudice caused by the termination of the insurance contract.

During the policy period, the policyholder can apply for surrender of the policy. Surrender can be divided into hesitation period surrender and normal surrender.

1. Surrender during the cooling-off period.

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.

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 submit an application for termination, and the life insurance company shall 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 that can be returned to a life insurance contract in the event of termination or surrender. In the long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual responsibility, when the insured requests to cancel or surrender the policy for any reason during the validity period of the insurance, the insurance company will return the balance of the deposit of the liability reserve minus the deduction after the termination deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

Precautions. 1. The eligible person to apply for surrender is the policyholder. If the insured applies for surrender, the written consent of the insured must be obtained and it must be clearly stated who will receive the surrender benefit.

2. After the contract has been in effect for two years and the payment has been paid for two years, the policyholder can apply for surrender, and the insurance company will refund the cash value of the policy after receiving the surrender application.

3. The following situations will not be reduced: a. the policy of disability medical compensation; b. Policies that have entered the survival period.

Handling Guidelines. Eligibility: Applicant.

Required documents: application form, insurance policy and proof of last payment, identity certificate of the policyholder; If it is handled for ** person: the power of attorney of the policyholder and the ID card of the trustee.

Summary: If you have an insurance broker or a person (the person who helped you buy the insurance in the first place), you can contact them to assist in surrendering the policy. If you can't contact it, or if you have purchased your own insurance, you need to contact the insurance company directly to apply for a refund.

Usually, the policyholder is required to bring his or her personal ID card and insurance policy (electronic policy is not required) to the insurance company's store for processing. Internet insurance usually requires the assistance of the platform.

In order to make it easier to distinguish, I divide insurance into three categories according to the purchase channel, insurance broker or **person** insurance (referred to as agent), Internet platform insurance (referred to as the Internet), and insurance purchased directly through the insurance company (referred to as insurance company direct purchase).

1.If you buy through the agency channel, the surrender process itself will not change, but if you find a professional enough agent, he will provide you with a process that can quickly solve the problem, including **, the location of the insurance company, etc., and it is entirely possible to accompany you to handle it. Basically, it can be done, and it is the greatest peace of mind.

2.For insurance purchased directly through the insurance company, such as the insurance company's mini program, official **, etc., you can check how to surrender the insurance through online customer service, inquire about the insurance company**, etc. There is a high probability that you will also go to the scene to return.

3.Insurance purchased through platforms such as Alipay, small umbrellas, etc. This is purely not troublesome to know at all, and trouble to die if you don't know.

Take Alipay as an example: Step 1, find the insurance purchased by Alipay. Open Alipay - > My—> Ant Insurance—> My Blue Policy—> to take a look—>Select all policies—>Select the insurance you want to surrender—>Contact customer service—>There is a shortcut tool at the bottom (self-service surrender)—>Select a policy—>Next—> pull to the bottom to surrender now.

Internet insurance self-service surrender is still a very difficult job for ordinary people, bought on Alipay, Jingdong, it is relatively easy to find customer service to help solve it, and the worst can also be solved by complaining to the China Banking and Insurance Regulatory Commission, complaints from insurance industry associations, etc., after all, it is a predator, and the strength of supervision and punishment are of great significance. Just like buying and selling a house in Lianjia, if something goes wrong, whether it is a complaint or a self-****, the effect is obvious, and the greater the company's reputation, the greater the impact. Small companies are different, in the future of the outbreak of the insurance market, the market will be a hundred flowers, but insurance and real estate, for our people, safety must always be put first, insurance companies or brokerage companies, or platforms, looking for scale and brand hard enough, is the most brainless choice to get relatively safe treatment.

You can contact the insurance company or the staff who handled the business for you in the first place. Because it has been delivered for 2 years, I am not sure if it is a long-term delivery product.

If it is a long-term product with a term delivery, it is not recommended to surrender the policy in principle. After surrendering the policy, one is that there is no protection, and the other is that the surrender will be paid according to the cash value table on the policy contract, and there will be a loss.

However, if you do have difficulty paying the policy at this stage, there are several ways to try.

1. The grace period on the policy contract.

The grace period is 60 days (natural days), which is equivalent to a 60-day extension to pay the insurance premiums for the next year. These 60 days are also equivalent to a buffer, which can be used to raise insurance premiums, and the premiums can be paid within 60 days.

In addition, during the grace period, the policy is still in force, and the insurance company will still bear the insurance liability in the event of an insured event agreed in the contract, but the outstanding insurance premiums will be deducted when paying the claim.

If the premium for the following year has been paid within 60 days of the grace period, the contract will remain in force.

However, after the grace period of 60 days, for example, after 0:00 on August 29, the suspension of the policy will automatically enter the suspension period.

2. If you can't get the premium for the current year, you can apply for the automatic advance payment function.

Automatic advance is to use the cash value in the policy contract to advance the insurance premium, the sum insured remains unchanged, and the validity of the policy contract is suspended after the cash value is used. However, it is important to know that paying premiums with cash value is equivalent to taking out a loan from an insurance company, and interest needs to be calculated according to the policy loan interest rate.

3. After the grace period of the policy contract, it will enter the suspension period.

The suspension period of a general policy is 2 years, and after the policy enters the suspension period, the validity of the contract is suspended, and the insurance company does not assume the insurance liability.

That is, if the policy enters the suspension period on August 30, then it will belong to the suspension period for 2 years, and the insurance company will not pay compensation if the insured accident agreed in the contract occurs during this period.

Within two years of the suspension period, the applicant may apply for the reinstatement of the contract through negotiation with the insurance company, and the contract will be reinstated from the date of payment of the insurance premium.

If the contract is not reinstated to the insurance company within two years of the suspension period, the insurance company will terminate the contract and refund the cash value of the current year at the time of the suspension.

4. The last way is to apply for a reduction in payment.

The reduction payment is to use the cash value in the policy to pay the insurance premium for the current year in a lump sum, and the basic insurance amount is reduced, and there is no need to pay the insurance premium in the future, but the contract continues to be valid. It is equivalent to buying this insurance contract with nine thousand dollars at one time, but the insurance amount needs to be reduced accordingly, and the contract still has the effect of guarantee.

Surrender is of course to contact you at the time. The salesman who gives you the insurance needs to go to the insurance company to handle the surrender procedures, and the salesman will coordinate this matter for you. What you need to take is your ID card and insurance policy. The original and bank card must belong to the insurer himself.

Surrender is the original unit can help handle the social security pension, exit, and then the new unit can pay social security for the elderly.

You can contact the salesman to assist in the surrender of the policy, or you can go to the insurance company's counter to handle it, and you can return about a quarter of the premium paid after two years.

Depending on your contract at the time, the percentage of refunds varies from insurance to policy. It is best to recommend that you are the insurance salesman at the time, or you can directly call the service of the insurance company**.

Depending on which insurance company your policy is, take the policy to that company to surrender the policy. It is recommended to bring your ID card, bank card, and insurance policy

You can take your policy to the insurance company and apply for it.

When buying the wrong insurance, buying a low sum insured, taking up too much budget or upgrading the insurance, users will have the idea of surrendering the policy.

The following are the specific procedures for surrendering the policy:

1. Contact the customer service of the insurance company and ask whether the insurance can be surrendered, and what materials need to be prepared if it can be surrendered.

2. Prepare surrender information, such as ID card, insurance policy, bank account, and insurance premium invoice.

3. Go to the insurance company to fill in the surrender application, mainly to indicate the reason for surrender.

4. Give the surrender information to the staff and go through the surrender procedures.

5. The insurance company will conduct an audit, and after the audit is passed, the refund will be returned to the user's bank account as agreed.

Legal analysis: The surrender of the insurance is handled by the insurance company, and the eligible person who applies for the surrender is the policyholder. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money.

Legal basis: Insurance Law of the People's Republic of China

Article 15 Except as otherwise provided in this Law or otherwise agreed by the Insurance Coincidence and Promotion, after the conclusion of the insurance contract, the policyholder may terminate the contract of filial piety, and the insurer shall not terminate the contract containing cracks.

1. Discharge the mortgage of the house.

Full property rights. The borrower should bring the real estate certificate, the settlement certificate and the other rights certificates mortgaged in the bank to the housing and construction committee offices of each district to understand the mortgage. In this way, your own property can be said to be completely your own property.

The buyer can bring the house ownership certificate (original), other rights certificate (original), the certificate of collapse of the party's personal status (original and 1 copy), the mortgage cancellation registration certificate issued by the mortgagee (original), the mortgage registration application form and other materials to the corresponding window of the housing management bureau for processing.

2. Go through the surrender procedures.

After the borrower repays the entire loan in advance, the original personal housing loan housing insurance contract is also terminated early at this time. According to the relevant regulations, the borrower can bring the original insurance policy and the proof of early repayment of the loan to the insurance company to refund the premium paid in advance on a monthly basis.

3. Go through the tax refund procedures.

When you buy a commercial house, you should write all the family members who can be refunded as real estate rights holders into the purchase contract, and apply for the "deduction of the individual income tax base paid by the buyer" after signing the contract and paying the house price, and obtain your "general tax payment certificate". After repaying the entire housing loan in advance, you can obtain the real estate certificate, and you should go to the tax department to go through the tax refund procedures within 6 months after completing the real estate right certificate.

Summary. Hello, happy to answer for you.

There are two situations at the time of surrender, but whether it is surrendered during the hesitation period or normally, the required materials and procedures are similar.

1. The policyholder should bring his identity card, bank card and insurance contract, as well as the payment invoice, and the policy should be returned to the insurance company.

2. Ask the service staff for the surrender application form, and fill in the reason for surrender and related information truthfully.

3. It is possible to deduct about 10 yuan of production cost, and some companies will not.

4. After all the formalities are completed, the premium will be returned to the bank card at the time of application.

It should be reminded that the surrender procedure must be handled by the insurance company with the original documents of the person, and cannot be handled by the insurance salesman or relatives and friends. If it is an agent, you need to provide a power of attorney or agency signed by the policyholder himself. At the same time, the agent also needs to provide his or her original ID card.

Nowadays, many insurance companies have enabled the face recognition function, and many companies need to collect the portrait of the policyholder when handling surrender and other businesses, which also improves the security to a large extent.

Hope it helps you and I wish you happiness and happiness every day! 欄欄

What do I need to do to apply for a surrender policy?

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Hello, happy to answer for you. There are two situations at the time of surrender, but whether it is surrendered during the hesitation period or normally, the required materials and procedures are similar. 1. The policyholder should bring his identity card, bank card and insurance contract, as well as the payment invoice, and the policy should be returned to the insurance company.

2. Ask the service staff for the surrender application, and truthfully fill in the reason for surrender and related information. 3. It is possible to deduct about 10 yuan of production cost, and some companies will not. 4. After all the formalities are completed, the premium will be returned to the orange bank card at the time of insurance.

It should be reminded that the surrender procedure must be handled by the insurance company with the original documents of the person, and cannot be handled by the insurance salesman or relatives and friends. If it is an agent, you need to provide a power of attorney or agency signed by the policyholder himself. At the same time, the agent also needs to provide his or her original ID card.

Nowadays, there are many insurance companies that have enabled the face recognition function, and many companies need to collect the portrait of the policyholder when handling business such as surrender, which also improves the security to a large extent. Hope it helps you and I wish you happiness and happiness every day! 欄欄

I paid the insurance premium for a year, and I want to surrender the policy this year, but I don't know how to get more.

This policy belongs to my son, and the salesman is me. My son didn't agree to the policy, and I regret not wanting to renew it.

If this is your son's, you can't handle it, you need your son to handle it.

My son is working outside the home and can't come back.

This is not allowed, you refer to the first content.