Can I get the full amount back if I want to surrender the participating insurance after paying the p

An insurance contract is also a legally binding contract, and the law will protect the interests of both parties. If you terminate the contract in advance before the termination period agreed in the contract, you are in breach of contract, and if you breach the contract, you can refund the full amount without any loss, so what do you need to do with the insurance contract? The insurance company can also default at any time!

Some financial management dividend insurance has been paid for 20 years, generally in about 15 years, it can be enough, and then the surrender has about 15 years of income to make up for the surrender loss.

Hello, if you want to surrender the policy, it is recommended that you check the cash value of your policy before deciding, if the current price exceeds the premium paid, your refund loss will be smaller, but in the long run, there may be a loss, depending on the specific terms of your insurance.

It is not possible to refund you in full.

Surrender of the policy is not refundable in full.

It is necessary to look at the cash value of the policy, and there must be a loss when surrendering the policy.

Hello. It depends on which company you buy this insurance from and how old you are. Different insurance companies have high and low dividends, and the younger the age, the faster the return of the capital.

Depending on the cash value of your policy, it is estimated that there is a high probability of loss.

If only then. When you buy it, you choose the type of insurance that will be surrendered after you buy it, and there is also a maturity payment. What kind of insurance do you buy? What is the company's product?

It is recommended that you check the cash value on the policy before deciding.

Look at your insurance contract up with a friend.

How much you can get back from the surrender of the participating insurance depends on the actual situation:

1. If the policy is surrendered during the hesitation period, the premium paid can be refunded, and some insurance products also need to deduct a production cost;

2. If the policy is surrendered after the hesitation period, the policy can be refunded to pay off the value of the lead gold.

and unclaimed dividends. Generally speaking, if it is a simple participating insurance and the cash value is higher, then you can wait until the cash value + unpaid dividends and the paid premiums are the same before surrendering the policy, which is equivalent to refunding the paid premiums.

Otherwise, the policyholder will also have to bear certain economic losses. Participating insurance refers to the insurance company in each fiscal year.

At the end of the term, the distributable surplus of the participating insurance in the previous fiscal year will be distributed to the customer in the form of cash dividends or value-added dividends. In the China Insurance Regulatory Commission.

In the statistical caliber, dividend life insurance and dividend pension insurance.

Participating insurance and other types of insurance with participating functions are included in the scope of participating insurance.

Summary. Hello dear! We'll be happy to answer for you. <>

The amount that can be refunded is the cash value of the policy, and the corresponding cash value is different for different insurance products, and even the payment period and payment amount of the same insurance product are different for different insurance products.

How much can be refunded when the participating insurance is fully surrendered.

Hello dear! I'm glad to answer for you. The amount that can be refunded is the cash value of the policy, and different insurance products, and even the payment period and payment amount of the same insurance product, the corresponding cash value is also different, the policyholder can check the cash value table of the policy to know the specific amount, and there will be the corresponding cash value amount for each policy year.

Generally speaking, if it is a simple participating insurance, then the cash value is relatively high, and the surrender of the policy after the full payment of 10 years is usually refundable equivalent to the cash value of the premium paid by the wide key. If it is a participating insurance with critical illness insurance, then the cash value is relatively low, and the policy is surrendered after the 10-year term, and the insured may need to bear a certain amount of economic loss.

Summary. Of course, participating insurance can be surrendered early, and there will be a condition that the policyholder who has already made a claim or lapsed policy is not allowed to apply for surrender, even if the insurance company applies for a refund. The surrender of participating insurance often causes disputes because the policyholder wants to surrender the policy because there is no insurance, and it is generally okay; The total value of participating insurance is composed of the cash value of the policy and the value of the personal account, of which the dividend money is in the personal account, which generally does not affect the cash value of the policy, and the surrender does not have much impact at this time.

Hello, dear, your question, we have seen, wait 5 minutes, we will sort out the information, and immediately inquire for you.

Of course, participating insurance can be surrendered early, and there will be a setting condition, which does not allow the policy that has already been claimed, and the policyholder of the invalid policy applies for surrender, even if the insurance company applies for a refund of the premium. The dispute often arises when the surrender of the participating insurance is that the policyholder wants to surrender the insurance because there is no insurance, and it is generally okay; The total value of the participating insurance is composed of the cash value of the policy and the value of the personal account, in which the dividend money is in the personal account, which generally does not affect the cash value of the policy, and the surrender does not have much impact at this time. ”

The insured can surrender the policy directly.

The policyholder is old and does not care.

If the policyholder (that is, the person who pays the source of insurance and crack training) and the insured (the person who enjoys the protection function) are the only individuals who call the same person, they can go to the insurance company to handle the surrender of the policy; If it's not the same person, they're going to go together;