Can I get a 50 refund for the insurance paid for the expired policy segment?

No. There are two types of lapsed policies, and the policies within the two-year grace period can be reinstated, that is, the policy will take effect again, and then it will be handed over to the insurance company to protect you (provided that your health does not affect the insurance company's coverage).

The policy that occurs during the two-year grace period is a surrender, and the policy cannot be allowed to take effect again, at this time, it can only be surrendered, and the surrender is the cash value, which you can see the corresponding value in the cash value table.

If you want to know how much money to surrender and why it is not recommended to surrender, you can provide more information or consult other insurance practitioners.

There are two cases, one is a full refund, and the other is generally about 75% of the premium.

1) Full refund: Surrender during the cooling-off period: The policyholder surrenders the policy within the cooling-off period agreed in the contract, generally within 10 or 15 days, and the insurance company will refund all the premiums after deducting the cost of production;

2) Part of the refund: If the application for surrender contract has been effective for two years, the insurance company shall refund the cash value of the policy after receiving the surrender application, and if it is less than two years, the insurer shall multiply the proportion of the insurance premium from the date of commencement of the insurance contract to the end of the insurance contract, and the remainder shall be refunded to the policyholder.

Extended Information: 1) Surrender Process:

The customer service evaluates your policy.

Sign the power of attorney and submit relevant materials.

Calculate the cash value of the policy after the sale.

The premium has been successfully refunded to yours.

2) Policy Cash Value:

The cash value of insurance is the amount of money that can be returned in the event of termination or surrender of a life insurance contract. In the long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual responsibility, when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the deposit 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, that is, the money that the policyholder can get back at any time when surrendering the policy.

3) There is no fixed surrender rate for insurance surrender. The surrender amount is mainly based on the insurance contract signed between the insurance company and the consumer. If the surrender application is submitted, the insurance company will have a special sales person to handle the relevant business for the consumer.

The surrender amount is also in accordance with the relevant regulations of the insurance company. In addition, the insurance company will deduct some expenses such as handling fees.

4) Consumers must carefully consider this issue, once the surrender contract is signed between the two parties, the previous insurance contract will lose its legal effect. The consequences of the surrender process will be borne by the consumer, and the insurance company will not bear the risk at the time of surrender. Because the insurance company surrenders the policy, it is handled according to the process, and the handling of these businesses is in accordance with relevant laws and regulations, which is reasonable and legal.

Therefore, when consumers want to surrender the policy, they must consider the pros and cons of surrendering. After weighing these factors, make a decision.

Summary. The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by the insurance company to bear the insurance liability of the policy interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Hello dear! 30%-60% or so.

Hello! If you want to surrender the policy, you can only surrender the cash value of the policy, and the specific cash value of the insurance company has to be calculated by the insurance company, or your policy has a cash value table on it.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The specific figure will be given by the die slag insurance company for the year with a clear cash value table.

If the insurance refund can simply be considered to be a few percent refund, it should be calculated as follows:

1.If the one-year insurance product is surrendered and surrendered during the cooling-off period, 100% of the premium paid will generally be refunded; If the policy is surrendered after the cooling-off period, the remaining fee can be refunded after deducting the premium and handling fee corresponding to the number of days of coverage.

2.If the long-term insurance product is surrendered, 100% of the premium paid can generally be surrendered during the cooling-off period. If the policy is surrendered after the cooling-off period, the cash value of the policy is generally refundable. However, different insurance products, even the surrender period and payout amount of the same insurance product, may result in different cash values.

Therefore, the surrender may be between 1% and 100% of the premiums paid, or more than 100% of the premiums paid.

3.Surrender of participating insurance, surrender during the cooling-off period, surrender during the cooling-off period, generally 100% of the premium paid; If the policy is surrendered after the cooling-off period, the cash value of the policy and the unclaimed bonus will generally be refunded.

4.Universal insurance surrender, surrender during the hesitation period, generally 100% of the paid slag premium can be refunded; If the policy is surrendered after the cooling-off period, the cash value and account value of the policy will generally be refunded;

5.For compulsory insurance surrender, the remaining funds will generally be refunded after deducting the premium from the date of termination of the insurance contract to the date of termination of the insurance contract;

6.Commercial auto insurance surrender is generally surrendered before the guarantee takes effect, and the premium paid can be refunded after deducting a 3% handling fee. If the policy is surrendered after the guarantee has taken effect, the insurance company will generally pay the remaining expenses from the date of commencement of the guarantee to the date of termination of the contract.

According to the specific actual situation, the insurance surrender can be surrendered

1.If it is a short-term insurance policy with a one-year term, there is no cash value. You can get a refund of the premium you paid during the cooling-off period. After the cooling-off period is over, you can refund the remaining fee after deducting the premium and handling fee for the guaranteed days.

2.Long-term insurance: The full premium can be refunded during the cooling-off period, because long-term insurance has a cash value, so outside the cooling-off period, the cash value of the policy can be refunded according to factors such as the payment period, the payment amount, and the surrender period of the policy.

Handwheel policyholders can also look at the cash value for the relevant years in the insurance contract, which is usually 15%-80%.

3.Participating insurance refunds the cash value of unclaimed dividends;

4.Universal Insurance Refundable Cash Value Account Value;

5.In the event of a surrender of car insurance, compulsory liability insurance or general insurance, the remaining money can be refunded after deducting the premium calculated at the daily rate from the date of commencement of coverage to the date of termination of the contract. If the commercial auto insurance policy is surrendered, the premium paid can be refunded if the guarantee is not in effect, minus a 3% processing fee.

Summary. Hello, I'm honored to answer for you When going through the surrender procedures, the money that can be returned is only about 30%-50%, but according to the time of surrender, the money that can be returned is also different, as follows: 1. Cooling-off period surrender The insurance on the market now has a hesitation period, the time is about 10-15 days, this setting is also to protect the rights and interests of consumers, if you apply for surrender during the hesitation period, the insurance company will return all the money paid to the policyholder, Therefore, there is no question of a refund of tens of percent.

2. Surrender after the hesitation period, but if the policyholder applies for surrender after the hesitation period, then the insurance company will only refund according to the cash value of the policy, and the surrender loss of short-term insurance will be relatively large. If the payment time is longer, then the money that can be returned will be a little more, about 30%-50% of the principal that can be returned, and how much you can get back can look at the policy contract, which will be attached to the cash value table corresponding to the policy year, you can check it at any time.

Hello, I'm honored to answer for you When going through the surrender procedures, the money that can be returned is only about 30%-50%, but according to the time of surrender, the money that can be returned is also different, as follows: 1. Cooling-off period surrender The insurance on the market now has a hesitation period, the time is about 10-15 days, this setting is also to protect the rights and interests of consumers, if you apply for surrender during the hesitation period, the insurance company will return all the money paid to the policyholder, Therefore, there is no question of a refund of tens of percent. 2. Li Ye surrendered the policy after the hesitation period, but if Lu asked the policyholder to apply for surrender after the hesitation period, then the insurance company would only refund it according to the cash value of the policy, and the surrender loss of short-term insurance would be relatively large.

If the payment time is relatively long, then the money that can be returned will be a little more, about 30%-50% of the principal can be returned, and how much can be taken back You can look at the policy contract, which will be attached with the corresponding cash value table of the policy year, you can check it at any time.

The money can be received in a few days, there will be a clear explanation in the surrender rules of the policy contract, the general insurance company will review after receiving all the information, and after the audit is passed, he will tell the policyholder the results, and will also tell everyone that you can get the money in a few days, and the fastest money can be received in three days. According to the provisions of the Insurance Law, the insurance company must refund the premium to the policyholder within 30 days from the date of receipt of the policyholder's surrender application in accordance with the contract, unless there are some special circumstances, the insurance company will also inform the policyholder in advance of the time when the premium needs to be refunded.

Generally, the money that can be returned by surrendering the policy is only about 30%-50%, but according to the different surrender time, the money that can be returned is not the same, as follows:

If the policy is surrendered during the hesitation period: the hesitation period is about 10-15 days, which is also set to protect the rights and interests of consumers. If you apply for a surrender during the hesitation period, the insurance company will return all the funds that have been paid to the policyholder, so there is no problem with a few percent of the return.

If the policy is surrendered after the cooling-off period: If the policyholder applies for surrender after the cooling-off period ends, the insurance company will only surrender the policy based on the cash value of the policy, and the surrender loss of short-term insurance will be relatively large. Generally speaking, after deducting the expenses of Bao Qiao Hail Insurance Company, there is not much left.

If the payment time is relatively long, the money that can be returned will be a little more % or so, and the principal can be recovered about -50%. You can see how much you can get back from the policy contract. A cash value table of the current year's policy will be attached to it, which can be viewed at any time.

Summary. Dear, now answer the <> for you

Surrender insurance to deduct about 20 to 30, a little higher can reach about 50, the highest can even reach 70 to 80 The main type of insurance, the time of payment is directly related, if the purchase is a participating type of life insurance, or a participating type of annuity insurance, or the purchase of some companies' universal insurance, surrender may be deducted to about 50. If it is an ordinary insurance product with both dividends, it is more common to have a general surrender deduction of 20 30.

A few percent of the insurance is refunded.

Dear, now for you to answer <>

Surrender insurance to deduct about 20 to 30, a little higher can reach about 50, the highest can even reach 70 to 80 The main type of insurance purchased, the time of payment has a direct relationship, if the purchase is a participating type of life insurance, or the tracer is a participating type of annuity insurance, or the purchase of some rolling company universal insurance, surrender may be deducted to about 50. If it is an ordinary insurance product with both dividends, it is more common to have a general surrender deduction of 20 30.

Critical illness insurance percentage.

The proportion of big Bing insurance payment should reach more than 50%.

It has been handed over for five years. NCMS has raised the actual reimbursement ratio of major Zen liquid fissures to 70% on the basis of the fixed expenses. The Ministry of Civil Affairs will compensate another 20% for the impoverished people within the scope of its assistance, and the sum of the two can reach 90%.

Halfway out insurance cannot simply consider how much can be refunded, but should also be subject to the actual situation:

1.1. Surrender the policy with a base term insurance product, and surrender the policy during the cooling-off period, and the premium paid will be refunded 100%; If the policy is surrendered after the cooling-off period, the remaining cost will be refunded after deducting the premium and handling fee corresponding to the number of days of coverage.

2.If the long-term insurance product is surrendered or insured, and the policy is surrendered during the cooling-off period, 100% of the premium paid will be refunded; After the cooling-off period, the cash value of the policy will be refunded. The cash value is uncertain, it may be 1%-100%, or it may be more than 100%;

3.Surrender of participating insurance, surrender during the cooling-off period, and the premium paid can be adjusted and refunded 100%; If the policy is surrendered after the cooling-off period, the cash value of the policy and the unclaimed dividends will be refunded;

4.Universal insurance surrender, surrender within the cooling-off period, 100% of the premium paid; Surrender after the cooling-off period, the cash value and account value of the policy can be refunded;

5.Compulsory insurance surrender is generally from the date of deduction of the premium calculated at the daily rate to the date of termination of the contract;

6.If the commercial auto insurance is surrendered, the premium paid can be refunded after deducting a 3% handling fee before the guarantee takes effect; If the policy is surrendered after the guarantee has taken effect, the remaining money will be refunded from the date of commencement of the guarantee until the date of termination of the contract.

In addition, it should be noted that some insurance products are surrendered during the cooling-off period, and a fee needs to be deducted before they can be refunded.