Ping An sent a text message saying that the surrender was successful, but my money did not arrive.

If you plan to surrender the policy, you will definitely think first, how much money can be refunded, and can you refund a little more? This guide can help you:《 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

Generally, these conditions can be surrendered in full:

1.Surrender during the cooling-off period

There is a hesitation period for buying insurance, and the surrender of the policy during the hesitation period can be refunded in full premium, and the cost of production will be charged about 10 yuan, and the hesitation period will only begin to be counted after the contract receipt is signed, generally speaking, it is 10-15 days, and there will be provisions in the contract.

2.It is signed

Due to the non-standard operation of some salesmen, it is not the person who signs the insurance contract, and the application for surrender in this case can be refunded in full.

3.There is evidence

If there is evidence that can prove that the person violated the rules or deceived the consumer, he can also apply for a full surrender.

(2) Refund of cash value

If the policy is no longer in the hesitation period at the time of surrender, only the cash value can be returned, and usually only savings life insurance has cash value, such as whole life insurance, term life insurance with a term of more than one year, comprehensive insurance, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, universal insurance and participating insurance, etc.; One-year medical insurance, accident insurance, etc., generally have no cash value.

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Dividends are generally divided into two parts, one part is the agreed fixed payment to the customer's insurance money, and the other part will change according to the company's operating conditions. I don't know what to look at:

"Demystifying the Mystery of Dividend Insurance".

It can be found that if you surrender the policy beyond the hesitation period, the money that can be returned is basically 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? 》Hope!

It takes about 1 week to get the money.

It usually takes three days to a week.

It will arrive in your account within 3 working days.

You can call 95511 and ask.

After Ping An Insurance is surrendered, how long does it take for the surrendered money to arrive? SMS notification that the surrender has been processed and how long it will take for the money to arrive.

According to my friends who do insurance after-sales service, generally 7 working days is almost possible to claim the claim and return the money to you. But there are also special circumstances, such as the staff who happened to handle the claim form for you Pi Chong was not available to deal with the imitation attack in time for other reasons, and the documents were processed later, which is the so-called "drag", such a situation is that you have to urge others. There is also a situation that the insurance company has a certain amount of claims and surrender policies every month, and if there are too many lists, it will affect the image performance of the branch in the superior company, etc., that is, it will affect the bonus.

If it hasn't been dealt with yet, maybe they have too many orders to deal with this month, which will affect their performance, so they must push back some of the orders to the next month to deal with them as a balance, and the bad orders to be dealt with every month are about the same. That's it. Do you understand?

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

Summary. As long as the cooling-off period has passed, only the cash value of the insurance contract can be refunded, and only the cash value of the first few years can be refunded after several years of payment. For example, after paying for five years, you can only return the cash value of the fifth year, and there will be a loss at this time, as long as the cash value of the insurance contract is less than the premium paid, then it is a loss.

Generally, the principal can only be preserved within five to six years after the expiration date. Therefore, if it is a relatively short payment period and you have the ability to pay, it is recommended to pay at maturity, and then choose to surrender the policy when the cash value is greater than the premium paid, there will be no loss at this time, of course, it is not recommended to surrender the policy after the expiration period, because you do not need to pay the premium after the expiration period, but all the protection will continue to be enjoyed.

Hello, the surrender money of Ping An Insurance can generally be received in 3 to 7 days.

Money will: Retreat to **.

When Ping An Insurance is surrendered, it can be received in three days at the earliest. Generally, it will be returned to the designated account in 3 to 7 days, with a minimum of one month.

If there is no special agreement, it will be refunded to the payment card.

Good. As long as the cooling-off period has passed, only the cash value of the insurance contract can be refunded, and only the cash value of the first few years can be refunded after several years of payment. For example, after paying for five years, you can only return the cash value of the fifth year, and there will be a loss at this time, as long as the cash value of the insurance contract is less than the premium paid, then it is a loss.

Generally, only the expiration of the grandson group infiltration or five to six years after the shipment can be preserved. Therefore, if it is a relatively short payment period and you have the ability to pay, it is recommended to pay at maturity, and then choose to surrender the policy when the cash value is greater than the premium paid, there will be no loss at this time.

The money surrendered by Ping An will generally arrive within 5 working days.

Surrender means that when the insurance contract is not fully performed, upon the application of the policyholder to the insured, and the insurer agrees, the legal relationship between the two parties determined by the lease and collision between the two parties is terminated, and the insurer returns the cash value of the insurance policy in accordance with the "Insurance Law of the People's Republic of China" and the contract.

Surrender can be divided into hesitation period surrender and normal surrender. Some insurance companies offer a negotiated surrender method in order to resolve disputes.

It depends on the amount of the first model you insure and the cash price in the type of insurance, and you can get a rough estimate of how much you want to surrender the policy.

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Hello, dear, I can fully understand your feelings, Ping An surrender is usually 5 working hours to pick up the account, Ping An surrender is divided into two situations: hesitation period and more than hesitation period. If the policy is surrendered during the cooling-off period, all the premiums will be refunded to the policyholder's account, but the cost of production of 10 yuan will usually be deducted. According to China's "Baochun Xiaowan Insurance Law", "if the insurance premium has been paid for more than two years, the cash value of the insurance policy will be refunded when the policy is surrendered; If the insurance has not been paid for two years, the remaining premium will be refunded after deducting the handling fee at the time of surrender."

In other words, if the premium payment is less than two years, the insurer collects the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge, and then refunds the remaining part to the policyholder after deducting the handling fee; If the premium payment exceeds two years, the insurance company will only refund the cash value of the policy. Hope mine is helpful to you! Thanks, question.

But I'm on the fifth working day today, I applied for cancellation last Wednesday, and I haven't refunded the fee on the fifth working day today, and I'm still in the hesitation period.

Hello, dear, if you are still in the cooling-off period, you can choose to surrender the policy, so there is no need to be entangled, dear,

Summary. Hello, the surrender of Ping An Insurance can generally be received within three working days, and in real life, as long as the policyholder submits the surrender information according to the requirements of the insurance company, then the surrender money can generally be received the next day.

Hello, Ping An Insurance surrender can generally be received within three working days, but in real life, when surrendering, only the policyholder submits the surrender information according to the requirements of the insurance company, then the surrender money can be received the next day.

Generally speaking, if the insurance is surrendered during the cooling-off period, the insurance company can refund the premiums paid, and if the policy is surrendered after the cooling-off period, the cash value of the policy can be refunded, and the policyholder may need to bear certain financial losses.

1. The cooling-off period is within 10 days of receipt of the formal contract. Be sure to understand the terms of the contract in detail, and the insurer is obliged to explain it clearly to you. If you are not satisfied, or if it is not suitable, you can surrender the policy during the cooling-off period.

The insurance company only charges a policy production fee of about 10 yuan.

If the policy is surrendered, the money will usually be returned to the bank account you provided within 7 days.

2. Pay attention to the following points when handling surrender:

1.The eligible person to apply for surrender is the policyholder. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money.

2.If the policyholder applies for surrender and the contract has been in force for two years, the insurance company will refund the cash value of the policy after receiving the surrender application; If the premium payment is less than two years, the insurer shall refund the remaining part to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

3.The surrenderer is required to provide the following documents when handling the surrender:

1) The application form of the policyholder, if the insured requests to surrender the insurance, the application for surrender of the insurance with the written consent of the policyholder shall be provided;

2) A valid insurance contract and proof of the last payment;

3) Proof of identity of the policyholder;

4) If the application is entrusted to another person, the power of attorney of the policyholder and the ID card of the principal shall be provided.

In order to protect the interests of the insurer or the insured, the policyholder or the insured cannot go through the surrender procedures under the following conditions:

1) Policies that have incurred disability medical benefits;

2) The policy that has reached the survival period (the policyholder has completed the payment obligation to avoid the policyholder from harming the interests of the insured for his own interests).

The surrender can generally be received within three working days, and the account can be received at noon the next day.