I would like to ask how much I want to return if I pay 5,000 yuan for universal insurance and Ping A

People who want to surrender the insurance, the first thing that comes to mind is, how much money can be refunded, and is there a way to refund more? Let's send a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

If you are not in a hurry to use the money, it is recommended that you do not surrender the policy, the loss is very large, and if you need it urgently, you can borrow from the policy.

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the business department of the insurance company to fill in the surrender application!

How much can be refunded depends on what kind of situation it is

(1) Full surrender

There are generally three situations in which a policy can be surrendered in full:

1.Surrender during the cooling-off period

Generally, there is a hesitation period for buying insurance, and the surrender of the policy during the hesitation period can be refunded all the premiums, and the cost of production will be deducted, generally 10 yuan, and the hesitation period is generally calculated from the receipt of the contract, generally speaking, it is 10-15 days, and the contract will be written.

2.It is signed

If some salesmen do not operate in a standardized manner and the signature of the insurance contract is not his/her own, the application for surrender in this case can be returned in full.

3.There is evidence

If there is evidence that the person violates the rules or deceives the consumer, the application for surrender in this case can also be refunded in full.

(2) Refund of cash value

If the hesitation period has been exceeded, then the cash value can only be refunded, usually only savings life insurance has cash value, such as endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, universal insurance and participating insurance; Accident insurance, one-year medical insurance, etc., generally have no cash value.

If you want to surrender the policy and want to know the cash value of the policy, you can read the contract or call the insurance company **, and the calculation is generally according to this formula:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it will be divided into two parts, one part is the agreed fixed payment to the customer's insurance money, and the other part will change according to the company's operating conditions, which is not fixed and called dividends. If you don't think you understand it very well, you can look here:

"Demystifying the Mystery of Dividend Insurance".

It can be seen that if the surrender time exceeds the hesitation period, the money that can be returned is basically less than the premium paid, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》Hope!

Hello! The older the insurance age, the higher the premium but the protection is not high, the original choice to buy insurance is to have protection, since you have bought it, continue to pay it, surrender will have no protection and surrender there is a loss.

If there is an economic loss in surrender, the cash value of the refund after deducting the relevant expenses is written in your contract.

More than 1700, why surrender it.

Hello, take a look at the policy, it has it.

Since you bought it, don't return it, and the cash value in the first year is not much.

See how old you are? The corresponding cash value.

You can flip through your contract and there is the corresponding cash value.

I paid about 20,000 yuan for 3 years in Ping An Insurance Company, and now I want to surrender the policy, I can refund half of it.

There are two situations when surrendering the policy, namely the surrender period and the surrender after the hesitation period, the insurance company will refund the premium in full, and the maximum cost of the contract will be deducted about 10 yuan, so the personal loss of surrender during the hesitation period is minimal.

If the policy is surrendered after the cooling-off period, it is a unilateral breach of contract. If the payment period does not reach two years, the insurer will refund the insurance premium after deducting the handling fee according to the contract. Cash Value = Liability Reserve - Surrender Fee.

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.

The clause generally provides that either party to the contract must give notice to the other party within a certain period of time before the cancellation is requested, and the insurance contract will not lapse until the end of the period. After the cancellation of the policy, the corresponding insurance premium must be refunded. If the policy is not in force, the insured can in principle recover the full premium, but the insurer is also entitled to charge a minimum premium, or a handling fee.

If the insured cancels the insurance policy in the middle of the validity period of the insurance policy, the insurance premium shall be paid at the prescribed rate, and the insurer shall refund the balance of all insurance premiums after deducting the insurance premiums payable to the insured; If the insurer requests cancellation of the insurance policy, the unexpired portion of the premium shall be refunded to the insured on a daily basis.

The characteristic of surrender refers to the act of either party to the contract announcing (or requesting) to terminate the insurance contract and cancel the insurance policy during the validity period of the policy. In general, a non-life term insurance policy contains a clause for terminating the insurance contract, which stipulates the conditions for either party to cancel the insurance policy before it expires, so as to protect their interests from being damaged by the continuation of the insurance contract. The corresponding premium shall be refunded upon surrender of the policy.

Summary. My Ping An's universal insurance policy is worth 30,000 and 55, and the cost is about seven refunds, plus dividends.

My Ping An's universal insurance policy is worth 30,000 and 55, and the cost is about seven refunds, plus dividends.

According to national regulations: the price of the universal insurance policy of Ping An is worth 35,000, and the cost of about seven can be refunded, plus dividends. Yanbuling Insurance Classification:

1. [Property insurance: enterprise property insurance, engineering insurance, automobile insurance, liability insurance, ship insurance, freight insurance, home property insurance, credit insurance, guarantee insurance, agricultural insurance]; 2. [Life insurance: accident insurance, medical insurance, critical illness insurance, life insurance, children's education insurance, pension insurance, annuity insurance, group insurance]; 3. [The types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature].

Legal basis: Ping An's universal insurance policy worth 35,000 can be refunded about seven costs plus dividendsThe Social Insurance Law of the People's Republic of China has been passed by the 17th meeting of the Standing Committee of the 11th National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated and effective as of July 1, 2011. (Amended in accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Social Insurance Law of the People's Republic of China adopted at the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018) Table of Contents: Chapter 1 General Provisions Chapter 2 Basic Pension Insurance Chapter 3 Basic Medical Insurance Chapter 4 Work-related Injury Insurance Chapter 5 Unemployment Insurance Chapter 6 Maternity Insurance Chapter 7 Collection of Social Insurance Premiums Chapter 8 Social Insurance ** Chapter 9 Social Insurance Chapter 10 Lunhong Social Insurance Supervision Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

Summary. Hello, I'm glad to answer for you, I've received your question, it's being sorted out, I'll answer it for you as soon as possible, please wait

I bought Ping An universal insurance, pay 6,000 a year, pay it for five years, and now I want to surrender the policy, how much money can I get back?

Hello, I'm glad to answer for you, I've received your question, it's being sorted out, I'll answer it for you as soon as possible, please wait

If you surrender the policy, you can only get the cash value of your insurance bill, usually about 20%-30% of the principal, and a little higher will deduct 50%-80%, based on the cash value of your policy Ha Specifically, you can call Ping An Fangchong Insurance customer service **95511 to inquire about the specific amount of surrender

I hope mine can help you

Ping An Insurance Outsmart Life Universal Insurance has been paid for four years and wants to surrender the policy, but the surrender can only return the cash value of the account. The specific amount of refund is related to the insured age, the amount of insurance insured, and the specific amount can be consulted by calling 95511.

In a long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

The policyholder brings the policy, ID card, and bank card to the insurance company's customer service center to handle the surrender of the policy.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. The normal surrender answer generally requires the policyholder to 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 of money that can be returned in the event of termination or surrender of the life insurance contract.

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

The surrender rate is generally around 70%. The policyholder can unilaterally terminate the insurance contract during the hesitation period, that is, the policyholder can surrender the insurance and terminate the contract at any time. ‌

Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. 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;

If the policyholder applies for surrender, the contract has been in effect for two years and the payment has been paid for two years, the insurance company will refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium from the date of commencement of the insurance liability to the date of discharge.

The surrenderer shall provide the following documents when handling the surrender:

If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder;

The insurance policy provided by the surrenderer to prove the conclusion of the contract and the proof of the last payment;

Proof of identity of the policyholder;

If the policyholder or the insured entrusts another person to handle the matter on his behalf, the power of attorney of the policyholder or the insured shall be provided, and the identity certificate of the principal shall be provided.

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