My insurance Ping An Fu Si has been paid for three years, about 6,000 per year, I want to change the

No, you can re-open a lower one. Because it's superimposed.

This is not universal insurance, but a pure protection type product, so according to the insurance rules, it cannot be changed.

Specific needs and problems are relatively vague, please consult your own ** person in detail, and rationally find ways to solve the problem.

No, this is not a universal insurance.

It's easy to surrender the insurance, I paid for five years, and today I returned more than 4,000, and then I still feel that I have returned, Ping An Fu is the first insurance in my life, and it is also the more than 30,000 yuan that taught me to choose insurance.

Hello, submit the surrender application, insurance contract and policyholder's ID card to Ping An Insurance Company, and go to the insurance company for processing. Have a great day!

It is all the introduction and recommendation of relatives with thick skin and cheeky face, and I am sure that there is resistance to doing insurance now.

Take the policy ID card and bank card to the service hall of the insurance company to handle it.

At the end of the payment period, the premium cannot be withdrawn.

Ping An Fu is a lifelong critical illness insurance, the amount of payment is fixed, 7,000 per year, and the total premium paid for 20 years is 140,000 (140,000), and the premium you pay to the insurance company cannot be withdrawn.

Buy insurance, and what you get is:

1.If you suffer from a critical illness within the scope of the contract during the effective period of the contract, then Ping An will give you a claim for the sum insured, if there is no multiple critical illness claims, then the contract is terminated, and you can get the sum insured, and if the payment period is not over, you do not need to pay the premium.

2.If you do not suffer from a critical illness and die during the effective period of the policy, the insurance will pay you the death benefit, which is generally the sum insured of the insurance, and the contract shall prevail if otherwise agreed in the contract.

3.The policy has a cash value, there is a clause in the insurance contract for a policy loan, if there is an urgent need for money in life, you can apply for a policy loan, up to no more than 80% of the cash value of the policy at that time, you need to pay interest when you use the policy loan, and the money will be repaid after you use it. Just a temporary turnaround.

There is a cash value table on the first few pages of Ping An's contract, and you can know the cash value of the policy at the end of each policy year by looking at the contract, and the contract also indicates the introduction of the policy loan.

Summary. Dear, hello, I'm glad for you to answer this question Oh Ping An Fu has paid for six years, 6,000 a year, if you want to surrender the policy, how much can you refund: 25,000 yuan In this way, you can refund 30% of the premium 60% if you surrender the policy

Ping An Fu has been paid for six years, and 6,000 a year, if you want to surrender the insurance, how much can you refund?

Dear, hello, I'm glad for you to answer this question Oh Ping An Fu has paid for six years, 6,000 a year, if you want to surrender the policy, how much can you refund: 25,000 yuan In this way, you can refund 30% of the premium 60% if you surrender the policy

Legal Analysis: Surrender is the cancellation of the insurance policy. After the insurance contract is signed, the two parties may terminate the contract by agreement or in accordance with the laws and regulations of the country, terminate the legal relationship determined by the contract between the two parties, and the insurer shall refund the cash value of the policy in accordance with the Insurance Law of the People's Republic of China and the contract.

In other words, due to the existence of a legal relationship between the two parties, the surrender of the insurance is not as simple as the procedure when we buy the wrong general goods and need to return them. This is something that needs to be taken seriously.

Legal analysis: 1. During the hesitation period, some people who surrender insurance buy insurance on the spur of the moment, and after buying it, calm down, think about it and feel that this product is not suitable for themselves. Therefore, insurance companies set up ample cool-off time for impulsive applicants – the hesitation period.

The cooling-off period is generally 15 days, during which the policyholder can return the contract to the insurer and apply for rescission. In other words, the cooling-off period gives the policyholder a period of time to reverse their minds. When the policy is surrendered during the cooling-off period, the insurance company usually refunds the premium in full.

Overall, the loss is relatively small for the policyholder. Therefore, if you want to surrender the policy, Daddy recommends that you consider it carefully during the cooling-off period to minimize the loss. However, if the policy is surrendered after the cooling-off period, it is the second scenario that we will discuss next.

2. If you surrender the policy after the cooling-off period, whether it is one day, one year or ten years after the cooling-off period, it will be regarded as a normal surrender. The policyholder can submit a surrender application, and the insurance company will refund the cash value of the policy within the specified time. The cash value of the policy is the residual value that can still be obtained by giving up the policy, and it is the value of a life insurance policy with a savings nature.

In layman's terms, the cash value of a policy is actually the amount that the insurance company will be able to refund to us when we surrender the policy. This part of the amount does not need to be calculated by us, and it can generally be found directly in the policy contract. The amount of cash value is not only related to the insurance product, but also related to the length of payment.

The cash value varies from product to product, and the cash value increases with the time of payment, in other words, the earlier you surrender the policy, the less you will be able to surrender the policy.

Summary. Hello, dear, can refund about 5400 yuan, the specific amount you can check the insurance contract has a cash value table, the cash value at the end of the 5th policy year is the surrender amount, around 5400 yuan.

I have bought Ping An Fu Insurance for 5 years, and I can refund 26,915 yuan.

Hello, dear, can refund about 5400 yuan, the specific amount you can check the insurance contract has a cash value table, the cash value of the 5th policy year at the end of the front car is the amount of the refund with the insurance, the bank is about 5400 yuan.

The cash value of Ping An Fu is paid for 5 years, which is about 20% of the accumulated premium.

Dear, that's the case, because this is a lifelong critical illness insurance product, and the insurance company needs to bear the high cost of protection. For example, if we buy a critical illness insurance, we pay 10,000 yuan per year for 20 years, and the basic insurance amount is 300,000 yuan. Then if you pay 10,000 yuan from the beginning of the policy contract, you will enjoy 300,000 yuan of critical illness protection.

If you make a claim after just one year of payment, you don't need to pay the premium for the next 19 years, and the insurance company will compensate 300,000 yuan. This is the insurance company's insurance company's insurance policy. In other words, if ten customers buy this product, they all pay 10,000 yuan per year, and the insurance amount is 300,000 yuan, and one of the 10 customers goes out in the first year, and the insurance company will lose money.

Therefore, the cost of insurance companies to protect the risk is very high. Secondly, the insurance company also needs to deduct, operating expenses include the company's management expenses, employees' salaries, and so on. Therefore, the cash value will be refunded when the policy is surrendered.

So you can understand the ruin? At the same time, the cash value table will have the cash value of each policy year, so we can clearly know how much money can be refunded in different years. The cash value is relatively low during the premium payment period, but over time, the cash value will become higher and higher, and even exceed the premium.