With regard to insurance surrender, there are new provisions of the Insurance Law on surrender

Insurance is a kind of investment, but the income of universal insurance is indeed much higher than that of banks in the early stage, but the lower the income is later. However, it is true that it is both protected and financially managed.

The question of how much money can you get back when you surrender the policy: On the last page of the policy, there will be a cash value table of the policy, and you refer to the corresponding year of the cash value table, which is the money you can get back when you surrender the policy.

Whether accidents can also be equally protected: At present, only China Pacific Insurance and Chinese People's Insurance can get timely claims in the country, two companies, other companies such as ** Hong Kong have branches, Taikang Life, there is no branch in Hong Kong, but in Hong Kong can also get the corresponding protection and claims, but the time will be a little longer.

How to deal with disputes over the surrender of the policy: As long as you surrender the policy over the counter of the insurance company, there will be no disputes. Of course, you must bring the original policy, the ID card of the policyholder, the ID card of the insured, and if the insured is a minor child, you must have a birth certificate.

Local surrender of insurance: You don't need to go back to the local place where you apply for insurance, as long as it is handled at the business office where your insurance company is located, and the insurance company cannot refuse to handle it for any reason.

The insurance broker is dissatisfied with this sales attitude: this is a relatively popular problem, and I am not good at commenting on the behavior of your relatives. But insurance practitioners do have most of these problems, which also leads to misunderstandings about insurance personnel.

In our industry, we really need to be vigorously rectified.

Whether you can get compensation: You will not get any compensation. Because you did not read the terms carefully when you insured your family, the insurance company also replied to you within 15 days of your insurance to ask, whether the insurance salesman informed you of the terms, whether you have been clear about the terms, etc.

Regardless of whether it is universal insurance or not, there is a 60-day grace period for payment, please pay or surrender the policy during this period.

First of all, it is recommended that you call the customer ** to change the mailing address, and the customer service truthfully informed that you have now moved to Hong Kong to settle down, and ask whether it is the same protection, according to the customer service's decision is not to surrender the policy, after all, the surrender is bound to have a loss, but the universal insurance has not heard that there is a 60-day grace period, you ask carefully.

1. The surrender contract in the third year is only about 40% of the principal, and the cash value table of the contract has detailed reference data! You can apply for a full surrender within 10 days of purchase!

2. According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading the customer in violation of regulations and will be terminated by the company!

3. Universal insurance covers death, and does not include accidental medical treatment!

4. In case of death, there is no geographical restriction, as long as the policy is valid, the beneficiary can receive the insurance money!

HK is different from many insurance policies in mainland China.

It is recommended to call the insurance company's customer service directly.

1. The handling fee for surrender is not less than 10%.

2. Complain about your so-called relative.

3, if you really don't have bad money, don't worry about this relative, spend money to buy a lesson, and it also reflects a person's demeanor.

4. The basic social welfare of HK is much better than that of the mainland, and some insurance is not necessary, and the investment or real estate is relatively stable, and the insurance is still ......Just buy accident insurance.

The information required for insurance surrender varies from insurance company to insurance company, but the surrender information is similar. Insurance contract (if there is only an electronic policy, please print the electronic policy and provide it to the insurance company) Proof of identity of the policyholder (a copy of the ID card or passport, depending on the type of document submitted at the time of application).

The new provisions of the Insurance Law on surrender are as follows: Surrender is the discharge...More precisely, it mainly refers to the termination of the insurance contract by the policyholderUnder the Insurance Act

The insurer shall not arbitrarily terminate the contractArticle 15 of the Insurance Law stipulates: "Except as otherwise provided in this Law or otherwise agreed in the insurance contract, the insurer shall not terminate the insurance contract after the insurance contract has been concluded."

If the policyholder applies for Yuanming to surrender the insurance and has paid the insurance premium for more than two years, the cash value of the insurance policy will be refunded.

If the insurance premium is not paid in full for two years, the insurance premium will be refunded after deducting the handling fee in accordance with the contractArticle 34 of the Insurance Act provides:

In the case of cargo transportation insurance contract and means of transport voyage insurance contract, the parties to the contract shall not terminate the contract after the commencement of insurance liability.

Extended information: 1. Insurance can be inquired in **.

1.Online** inquiry.

If you want to inquire about insurance, you can check the policy information on the insurance company's WeChat***, the official website of the insurance company, and the insurance customer service, and you can also call the customer service of the insurance company to inquire.

Now the major insurance companies have also developed the official APP, through the **, registration and input personal information can also be queried, which is very convenient, so that the industry can save us a lot of time.

2.Offline store inquiry.

You can go to the offline store of the insurance company to inquire, and we can get a lot of professional explanations to let us hear a lot of insurance knowledge, but we will save more time when we buy it.

2. What is the surrender process of insurance?

1.The normal surrender process is to first contact the insurance company to check whether the insurance you want to surrender supports surrender, and if so, ask what materials you need to prepare.

2.After preparing the materials that need to be prepared, go to the insurance company to fill in the surrender policy, and the reason for surrender needs to be stated in the surrender policy.

3.Finally, the customer service staff of the insurance company will review the information provided by the policyholder and return the policy, and the refund will be returned to the account agreed with the insurance company after the review is passed, and the general payment can be refunded in about a week.

3. What are the new provisions of the Insurance Law on surrender?

When we want to surrender the insurance after purchasing it, we must first meet the latest regulations on insurance surrender.

1.The policy must be within the insurance period before such insurance can be called a valid policy, and if the policy is invalid, it cannot be surrendered.

2.The second is whether our insurance policy has reimbursement processing. If the policy has already been reimbursed, the policy cannot be surrendered because the insurance has already been provided.

Surrender your policy in full? Be cautious and think again!

If the policy is surrendered in full during the cooling-off period, but after the cooling-off period, the cash value will only be refunded, not the premium paid.

You bought it last year, so even if you refund the cash value is very little.

The cash value can be seen in the policy, corresponding to which year the policy is surrendered, and how much money can be returned. If you can accept a certain loss, you can indeed choose to surrender the policy.

However, if you surrender the policy and want to re-insign, you will need to apply for the policy according to your new age and health condition.

Therefore, if it is non-standard, it is still suitable for your own products, and it is not too late to return.

The conditions for surrender of car insurance are generally as follows: the insured motor vehicle has been deregistered in accordance with the law; The insured motor vehicle is suspended; If the insured motor vehicle is confirmed to be lost by the public security organ, and the contract is terminated, the insurance company may collect the insurance premium from the date of commencement of the insurance liability to the date of termination of the contract, and the remaining part of the insurance premium shall be refunded to the policyholder.

[Legal basis].

Article 16 of the Compulsory Insurance for Motor Vehicle Traffic Accident Liability Article 16 The insured shall not terminate the compulsory insurance contract for motor vehicle traffic accident liability, except for one of the following circumstances: (1) the insured motor vehicle has been cancelled from registration in accordance with the law; (2) The insured motor vehicle is suspended; (3) The motor vehicle that is alleged to be chain-pin insurance has been confirmed to be lost by the public security organs.

Except as otherwise provided in this Law or otherwise agreed in the insurance contract, the policyholder may terminate the contract after the insurance contract is established, and the insurer shall not terminate the contract. Article 15 of the Insurance Law of the People's Republic of China Unless otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is established, the policyholder may terminate the contract, and the insurer shall not terminate the contract.