The policy has not been issued, but the money has been paid, how to surrender the policy

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

The amount that can be refunded by surrender is related to these situations:

(1) Full surrender

Usually these can be fully surrendered:

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 be refunded in full premiums, and about 10 yuan will be charged.

2.It is signed

Because some salesmen do not operate in a standardized manner, and the person who signs the insurance contract is not me, in this case, the application for surrender can be returned in full.

3.There is evidence

If it can be proved that the ** person violated the operation or deceived the consumer, then the full amount of the insurance can be refunded when applying for surrender.

(2) Refund of cash value

If the hesitation period is exceeded, only the cash value can be refunded, and only the savings-type life insurance has the cash value, such as savings critical illness insurance, comprehensive insurance, whole life insurance, term life insurance with a term of more than one year, long-term consumption critical illness insurance, endowment insurance, universal insurance and participating insurance, etc.; 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. The dividend will be 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 is the insurance money paid to the customer according to the operation of the insurance company, this part is the dividend, there is no fixed value. Specific popular science is presented:

"Demystifying the Mystery of Dividend Insurance".

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

If you surrender the insurance after paying the money, you can get back the principal. plus interest. However, after you have paid the money, there is no need to surrender the insurance How many years can you receive survival benefits, and how many years can you receive interest.

It is stated in the contract. All of them are calculated, and more than 200,000 points can be retrieved. The pension does not begin to receive money until the age of 50.

It's better to receive the money directly without refunding. Participating insurance generally starts to receive more money after the age of 60. It is advisable to take a closer look at the insurance wording.

Look at the benefits and claims clearly and clearly. Look at the demo sheet again to know when you start receiving money and whether it's worth it or not

Canceling the policy is sufficient.

There are two ways to deal with it: one is to keep the payment all the time, do not need to return, and the contract will be automatically invalidated. The second is to tell the marketer that he doesn't need it anymore, and just cancel the policy directly.

If payment has already been made, the 10-day cooling-off period can also be fully refunded.

If the insurance contract is signed and the money is not paid, the contract does not take effect, and it does not pass the internal underwriting of the insurance company, and it is not underwritten.

Article 10 of the Insurance Law stipulates that "an insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations". The parties to the insurance contract are the policyholder and the insurer; The content of the insurance contract is the rights and obligations of the two parties.

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

1.After you get the policy, you must sign a receipt (don't worry, it will not affect your surrender)2There is a 10-day cooling-off period starting from the date of receipt of receipt, during which you can withdraw from the insurance company.

If the insured and the policyholder are not the same person, and are over 18 years old, then take the insured to the company (of course, this step can also be done by the salesman for you, you only need to sign) 3If the order is cancelled, the previous physical examination fee will be borne by you, and the general physical examination fee is about 160, with.

Look at what you checked at the time.

Super reminder After getting the contract, take a look at the effective date of the contract, because you told the salesman in advance that you were going to cancel the order, and you were afraid that the salesman would do something. Because the hesitation period of the cancellation of the order is calculated from the beginning of your contract, you must pay attention to the date of the day you receive the contract when you sign the receipt, no matter what the salesman says, you must sign the date of the day, alas, ,,,it is too troublesome, I can't tell, anyway, you pay attention to it, because the cancellation of the order is no loss to the customer, and the salesman can't get the money, and the cancellation only deducts you ten dollars to make the cost of the policy

You can apply for a surrender period, cooling-off period.

The full premium will be refunded within the surrender period, and only the cash value of the policy will be refunded if the policy is surrendered within the cooling-off period.

There will be losses. General Surrender Process:

2. Explain the reason for surrender and the surrender time to the insurance company, and submit the surrender materials according to the requirements of the insurance company.

3. After the insurance company reviews the surrender application, it issues a surrender approval and withdraws the policy at the same time.

4. The surrenderer shall hold the surrender approval form and ID card.

Collect the refundable insurance premiums through designated channels.

There are several ways to surrender a policy:

1.We can complete the surrender through the customer service of the insurance company**, and after calling the customer service**, let the customer service staff transfer the surrender staff and tell them the ID number of the policyholder, Qinghui and the policy number to complete the surrender application.

2.You can also enter the official ** of the insurance company through the Internet on your mobile phone or computer, which has a special surrender page, we fill in the relevant surrender information according to the instructions on the page, and then upload the prepared electronic file of surrender information, and complete the surrender application after submission.

3.You can also go to the offline sales outlets of the insurance company to surrender the policy, you need to bring the paper report of the surrender materials, and complete the surrender application with the assistance of the staff at the work counter, this way is the easiest, there will be professional staff guidance, don't worry about what to do.

Test your anti-risk index, experts will interpret it for you for free!

Surrenderable policy. Cooling-off period surrender: Cooling-off period surrender refers to the surrender of the policy by the policyholder during the hesitation period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

Yes, you can make a single pre-surrender.

The policy can also be refunded, minus the cooling-off period.

The hesitation period is generally 10 to 15 days. There is no loss of fiber in both periods. The premium will be refunded to the original method. It should be noted that if the insurance is surrendered during the anti-payment period, 10 yuan may be deducted.

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

After the premium is paid, the policy can be surrendered before it arrives, but there will be a loss of funds beyond the cooling-off period.

Surrender refers to the termination of the legal relationship determined by the contract between the two parties upon the application of the policyholder to the insured and the consent of the insurer, and the return of the cash value of the insurance policy by the insurer in accordance with the Insurance Law of the People's Republic of China and the provisions of the contract.

Surrender can be divided into hesitation period surrender and normal surrender.

Surrender during the cooling-off period.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal Retirement Fiber Insurance generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should 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.

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.

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

There is no relationship between surrender and failure to pay off the policy.

Generally, there is a 10-day cooling-off period, and you can be cautious to get your premium back in full if you surrender the policy during the cooling-off period. If you can only get back the cash value in the policy after the 10-day cooling-off period, there will be a certain loss. Of course, the insurance company also stipulates that the insurance company's sales staff must deliver the policy to the customer within this 10-day period.

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