How many days can I get the money when Sunshine Geely Insurance is surrendered?

There is a time limit for applying for surrender and other services, which generally does not exceed 5 days.

Hello dear! 1. Bring your ID card, insurance cost invoice, car insurance policy, etc. to submit the surrender application to Sunshine Insurance's offline outlets; Calling God 2, waiting for Sunshine Insurance to issue a certificate of endorsement for surrender of Xiangsong Bend; 3. Bring the relevant surrender approval slip and the cherry loss certificate and your own ID card to the financial department of Sunshine Insurance to receive the refunded insurance fee. However, we also need to note here that not all car insurance expenses can be surrendered, and you can consult the customer service of Sunshine Insurance for details.

The necessary conditions for surrendering a car insurance policy include the following two points: first, the car insurance policy must be within a limited period; Second, during the insurance period, if the vehicle has not occurred or reported or claimed, it is definitely not possible to surrender the insured vehicle that has been claimed, and the insured vehicle that has been reported and has not received a claim cannot be surrendered.

The surrender process of Sunshine Insurance is as follows:

1. First submit an application for surrender to the insurance, and prepare the insurance contract, ID card, bank card and other materials to submit to the insurance company for review;

2. After the insurance company reviews the information and confirms that it is correct, it will contact the user to go to the insurance company to go through the surrender procedures;

3. After the user signs the application for cancellation of the insurance contract, the surrender procedure is completed, and the insurance company will refund the premium to the bank card account designated by the user.

Sunshine Insurance surrender rate of what percentage of refund:

The specific refundable amount of Sunshine Insurance depends on how the cash value table on the policy is written.

For example, the cash value table of some insurance products will directly state what the cash value of each year is, and you only need to look at the cash value corresponding to the year of surrender when you surrender the policy. For example, the cash value table of a policy indicates that the cash value of 10,000 in the fourth year corresponds to 100,000 in the insured amount, then if the insurance amount is 500,000 when the policy is surrendered in the fourth year, the cash value that can be refunded in the current year is 50 = 5000

Expansion: 1. How long does it take for Sunshine Insurance to be surrendered?

Sunshine insurance is now developing is also relatively good, his work efficiency is also relatively high, if you surrender the policy, generally speaking, the amount involved is not large, it takes 3 5 working days, if the amount involved is more, it may take about 10 days. Of course, it also depends on the business outlets that handle your surrender business, and how efficient they are.

The China Banking and Insurance Regulatory Commission stipulates that we must get the money to our bank card account within 30 days of accompanying the booklet.

2. How to refund the full amount of Sunshine Insurance.

During the payment period, if the policyholder wants to surrender the policy, he or she will usually only receive the cash value of the policy, which is generally not greater than the cumulative premium paid by the policyholder.

In addition, some insurance products also stipulate that a certain handling fee will be deducted if the policy is surrendered or received in cash within a certain period of time. During this period, you can cancel the insurance contract unconditionally and the premium will be refunded in full.

It is understood that the Insurance Authority has clear requirements for insurance personnel, and must inform customers of the hesitation period and relevant provisions of the insurance contract in a timely manner. That is, within 10 days of Lu Hong paying the premium, if the consumer regrets it, he can apply to the insurance company for a full refund. After 10 days, the insurance company will deal with the relevant disputes in accordance with the provisions of the insurance contract, and the surrender loss shall be borne by the policyholder.

The above is an introduction to how to refund the surrender of Sunshine Insurance, how much can be refunded, we can make a preliminary calculation through the calculation method above the policy, and then decide whether to surrender the policy after understanding the approximate loss.

If you plan to surrender your policy, you will definitely think first, how much money can you refund? How can I go back more? Let's put a guide first:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much money can be refunded when surrendered, there are several situations:

(1) Full surrender

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

1.Surrender during the cooling-off period

There will be a hesitation period after the policy takes effect, and the surrender of the policy during the hesitation period can return all the premiums, and the cost of production will be about 10 yuan, usually the hesitation period is calculated after the contract receipt is signed, most of which are 10-15 days, and the contract will be clearly written.

2.It is signed

If the operation of some salesmen is not standardized, and the insurance contract is not signed by the person, the full amount can be refunded when applying for surrender.

3.There is evidence

If there is evidence that the person violates the rules or has the element of fraudulent insurance, you can also apply for full surrender.

(2) Refund of cash value

If the policy is surrendered beyond the hesitation period, only the cash value can be refunded, and the cash value must be savings life insurance, 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; There is no cash value, such as one-year medical insurance and accident insurance.

If you want to know the cash value of the policy, you can call ** to the insurance company's customer service or read the contract, and you can also calculate it like this:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it is divided into two parts, one part is the fixed insurance money that will be agreed to be given to the customer, and the other part will change according to the company's operating conditions. 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 only money that can be returned is 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? 》

Look at the number of years, how many years have you paid?

If there is a loss when the policy is surrendered, you can only receive the cash value at the end of the corresponding year of the policy.

<> the policyholder himself brings the original identity document and the original insurance contract of the insured person, and goes to any outlet of the insurance company you buy insurance or any insurance intermediary outlet of this insurance, and fills in the surrender application form under the guidance of the local staff, and completes the procedures, and the premium refunded will be received within 3 working days, and the specific arrival time is subject to the actual situation.

Sunshine Asset Management Co., Ltd. was established in December 2012, formerly known as the Asset Management Center of Sunshine Insurance Group.

Sunshine Insurance's surrender methods and losses may vary for different products and channels, but generally speaking, there are a few points to pay attention to:

The surrender period can be during or after the cooling-off period, during which the entire premium can be refunded without interest, and after the cooling-off period, the cash value can only be refunded, and there may be a large loss.

The information for surrender generally includes the application for change of preservation, the identity document of the policyholder, the original insurance contract, etc., depending on the surrender channel and product type you choose, you can prepare the relevant information in advance.

The consequences of surrender are generally the termination of the insurance contract, the disappearance of coverage, the cancellation of tax incentives, etc., you need to carefully consider whether it is necessary to surrender the policy, and whether there are other better options for Qi Kai, such as reducing the key to lower the sum insured, reducing the premium, etc.

Hope it helps.

Summary. 1.For one-year insurance, the premium paid can be refunded if surrendered during the cooling-off period, and the remaining premium can be refunded after the surrender of the policy after the cooling-off period after deducting the premium and handling fee for the number of days covered;

2.For long-term insurance, the premium paid can be refunded if surrendered during the cooling-off period, and the cash value can be refunded after the cooling-off period. However, different insurance products, even the same insurance product, the payment period, the amount of premium payment, the surrender period and other factors will also lead to different cash value of the policy, the specific amount can be checked in the cash value table of the policy or consult the insurance.

3.Surrenderable cash value of participating insurance + unclaimed dividends;

How much can be refunded by Sunshine Insurance.

Hello, I am a platform special financial consultant, a practicing lawyer is good at debt processing, financial loans, equity investment, insurance consulting, your question I have seen the fingers, is sorting out the answer paragraph guess, it will take about 3 minutes, please wait a while

1.For one-year insurance, the premium paid can be refunded after the hesitation period, and the remaining fee can be refunded after deducting the premium and handling fee for the number of days of insurance after the cooling-off period; 2.For long-term insurance, the premium paid can be refunded if surrendered during the cooling-off period, and the cash value can be refunded after the cooling-off period.

However, different insurance products, and even different factors such as the payment period, travel limit, premium payment amount, surrender period and other factors of the same insurance product, will also lead to differences in the cash value of the policy. 3.Surrenderable cash value of participating insurance + unclaimed dividends;

Sunshine Insurance has been paid for 4 years. I want to surrender my policy now.

Surrender is divided into full surrender and premium surrender.

How much money can I get back?

Generally, only the cash value premiums of the policy can be refunded.

I'm on life insurance.

How much you refund depends on how much you have paid.

Normally, you pay 2w to the insurance company to surrender up to 3,000 yuan.

2272 pieces of 5 cents per year.

If you don't surrender the policy, you will lose a lot.

Is it possible to return half of it?

It's hard. How much money can be refunded?

In this case, you normally surrender the policy at about 1,500 yuan.

You can only look for insurance sales to see if there is any deception or something.

If there is evidence, you can return more.

According to the insurance company's contract, a small part of the normal refund will be made.

You can look at the cash value of your policy.

Surrender is now a refund of the cash value.

The amount of surrender of Sunshine Insurance depends on whether it exceeds the hesitation period, and the insurance company will refund the premium paid during the hesitation period. Surrendering the policy after the cooling-off period and returning the cash value of the policy may cause certain financial losses, so it is necessary to carefully consider before applying for insurance to ensure that you do not buy the wrong insurance product. However, if there is pressure on premium payment and duplication of coverage, you may consider surrendering the policy.

1. Surrender the policy during the hesitation period.

When the policyholder buys Sunshine Insurance, there is generally a hesitation period, and the hesitation period for long-term insurance shall not be less than 15 days. If the policy is surrendered within this period, the insurance company will refund the premium paid, except for the cost of deducting about 10 yuan for those who have applied for a paper policy. Therefore, after applying for Sunshine Insurance, if you find that there is a difference in insurance liability and protection needs, it is recommended to surrender the policy within the hesitation period, so that it will not cause economic losses.

2. Surrender the policy after the cooling-off period.

If you have purchased Sunshine Insurance and apply for surrender during the cooling-off period, the insurance company will not refund the premium paid, but the cash value. There is a cash value table in each policy, and the cash value varies from product to product, but generally speaking, the cash value will increase with the time of payment, which means that the earlier you surrender the policy, the less surrender you will receive. Because there is a cost to the coverage of every policy, the details are as follows:

Protection cost: In the 1 year before the surrender of the policy, risk protection has been provided, so this part of the cost should be deducted.

Channel costs: After successful underwriting, the insurance company pays a commission to the sales channel. The surrender commission is not recoverable.

3. Therefore, the surrender after the hesitation period will be used to pay some of the costs of the insurance company, because the operating costs and channel costs are generally deducted in the first few years, so the surrender of the insurance in the first few years will be especially large.

4. It should be noted that the future risk is unpredictable, and once the policy is surrendered, the original protection will be lost, and the risk must be carefully considered. For long-term insurance, there will also be a waiting period for re-insuring new products, and the insurance company will not pay during the waiting period, so it is generally not recommended to surrender the policy.