I paid the insurance yesterday, I was deceived by the intermediary, whether I can surrender the poli

Due to a change of residence or a move to live or work in a foreign country, the customer can apply for the relocation of the policy from the original signing institution to other branches of New China Insurance to continue to enjoy the rights and obligations of the insurance contract.

Applicant: Policyholder.

Preparation materials: Application for Preservation Operation, original insurance contract, latest payment voucher, original identity certificate of the policyholder, original identity certificate of the trustee (if entrusted to another person).

Note: The policyholder shall submit an application at the location of the moving institution, fill in the "Application Form for Preservation Operations", and submit the relevant application materials to our company according to the regulations after the policyholder, the insured (if the insured is a minor, it must be signed by his guardian), and the client (if it is handled by another person);

At present, our company only provides policy migration for individual business products (except for investment-linked products and short-term insurance products with a term of less than one year (including one year));

The move-out and move-in institutions are all branches of our company that have been opened;

For insured accidents that occur during the migration of the policy, the liability shall be defined based on the zero hour of the move-out date, that is, the move-in institution shall bear the insurance liability from 0:00 on the move-out date, and the move-out institution shall bear the insurance liability before the midnight of the move-out date;

Our company will not accept applications for policies that are in the process of claims, within the grace period, with outstanding premium payments or policy pledge loans, with outstanding payments, and in the process of bank transfer.

To sum up, New China Life Insurance can handle the transfer business through cooperative outlets or Xinhua customer service centers with relevant materials.

Surrender. The policyholder may request to terminate this contract after the contract is concluded. The following documents need to be prepared for surrender of life insurance:

Application for termination of contract;

insurance contracts; Proof of the policyholder's legal identity.

There are two types of surrender:

Cooling-off period surrender:

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 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. 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.

Note: In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual responsibility, and 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 liability reserve minus the deduction of termination to the insured according to the regulations, and this part of the amount is the cash value of the policy.

Yesterday's yes, it's not past the hesitation period.

Summary. Legal basis: Article 266 of the Criminal Law provides that whoever defrauds public or private property, and the amount is relatively large, is to be sentenced to up to three years imprisonment, short-term detention or controlled release, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property.

I was cheated out of 3000 by someone who surrendered the policy in full

I am very happy to answer for you, dear, if you have been deceived, then you can go to the police, directly at the local police station to call the police, in addition, you can also complain to the CBIRC at the same time, there will be special supervisors to investigate, we cooperate with the investigation There is still a great chance that the money can be recovered.

Legal basis: Article 266 of the Criminal Law provides that whoever defrauds public or private property, and the amount is relatively large, is to be sentenced to up to three years imprisonment, short-term detention or controlled release, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property.

OK. 1. First of all, the first is to surrender the policy within the hesitation period, if it is within the hesitation period, whether you are deceived by the insurance salesman or not, you can surrender the policy in full.

2. Then there is a problem with the process of signing the contract, if there is a problem with the signing of the contract, for example, if there is a salesman signing on behalf of the person, at this time we can apply for the full surrender of the policy.

3. Finally, if you can find the information of the insurance company about the false publicity of the insurance in writing, you can also negotiate with the insurance company to reach a full surrender through this aspect.

Extended Materials. About Insurance:

1) Insurance refers to an insurance act in which the policyholder pays the insurance premium to the insurer, and the insurer needs to bear the responsibility for the insurance money in the event of the possible accident mentioned in the contract. Insurance is a means of risk management for policyholders in society, and strictly speaking, insurance is only a contractual act between policyholders and insurers. The earliest insurance company in Chinese history was Taiping Insurance Company, which was established in Shanghai in 1929.

2) Insurance is the basic means of risk management (under the conditions of market economy), an important pillar of the financial system and social security system, and also an act of paying insurance money to the insured when the conditions of the contract are met (when the contract agrees that the accident may occur due to the property loss caused by its occurrence, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract).

3) From an economic point of view, insurance is a financial arrangement for apportioning the loss of accidents, from a legal point of view, insurance is a contractual act, is a contractual arrangement in which one party agrees to compensate for the loss of the other party, from a social point of view, insurance is an important part of the social and economic security system, is a delicate stabilizer of social production and social life, and from the perspective of risk management, insurance is a method of risk management.

4) The insurer, also known as the insurer, refers to the insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money. In China, there are two forms: joint-stock **** and wholly state-owned company. The insurer is a legal person, and an individual citizen cannot act as an insurer.

5) Type: Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

The large categories are classified according to the scope of insurance coverage, and the small categories are classified according to the type of insurance subject. According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability insurance, and credit guarantee insurance.

The environment we live in will undergo various changes all the time, with the continuous development of social economy and the continuous progress of science and technology, then our quality of life has been improved to a certain extent, but it is undeniable that we will always encounter a variety of problems in real life. And now people's awareness of preventing various risks is getting higher and higher, so at this time, we often choose to buy a variety of insurance, so in this process, we will inevitably encounter some problems. I bought critical illness insurance, and now the insurance company says that the insurance is cheating and the insurance is not refunded, what should I do in this situation?

In this case, the insurance company has infringed on our personal interests to a certain extent, so in this case, we can choose to go to the front desk of the insurance company to discuss with them how to deal with it, and to get their attention by complaining, if it really can't be done, then we can only take legal channels.

We need to take some relevant documents and go to the insurance company to reason with them, we must protect these evidence, because evidence is the main magic weapon to help us deal with things, so we must pay attention to this aspect. In addition, when the insurance company refuses to settle the claim or says that it does not take us seriously, we can choose to complain to them, of course, before that, we can also choose to communicate and coordinate with them, and deal with the matter well. <

In addition, when we choose to buy insurance, we must pay attention to some of the terms and contents of the insurance in advance, because this is the most real embodiment of our real interests, so when we buy insurance, we must not ignore this, and we must not just rely on a few words from the insurance salesman, let us buy their insurance, which is very irrational.

You can choose to call the police, and then tell the police what happened, and the police will communicate with the other party on your behalf, and the other party will refund you according to the content of the insurance.

You should take up the law to protect your legitimate rights and interests, if you really have a situation of insurance fraud, then you can choose to surrender the insurance and use the law to get back the money you bought insurance.

If you really don't cheat on the insurance, you can go to the court to sue, and you have to keep the evidence, so that you can solve the problem, and then the insurance company will also solve the matter.

You can file a complaint or file a lawsuit in court, so that you can get the result you want, and it is very effective.

How did the other party lie to you? What the other party said made you believe in the other party and was willing to spend 50,000 yuan? Was the 50,000 handed over at once or over several years?

Didn't you read the insurance contract yourself? Didn't the other party tell you how much money you could get back when they gave you the contract? Why did you surrender the policy?

According to the amount of money you pay and the money you return (also known as cash value), you should buy an annuity type of participating insurance, or an endowment insurance, which may have a part of the insurance amount of a major illness, which is more practical when you are older. I think the reason why you feel cheated is that the other party doesn't know what type of protection you need, or out of selfishness, they only introduce you with insurance with a higher commission, and it is not based on your needs. And the introduction is rather vague.

On the other hand, it's your fault, you don't know anything about insurance, you completely listen to the other person, and don't read the insurance contract, which is also not right.

As for what you said to do now, I would like to ask, did you do it voluntarily when you signed the contract? Is it the other party who restricts your personal freedom and forces you to sign? Is the surrender voluntary?

Do you want to surrender the policy or are you advised to do so? If someone else advised you to surrender the policy, why did he persuade you to surrender the policy? Do you believe what he says, and you will surrender the policy?

Didn't you know that you would lose so much when you surrendered the policy? When you surrender the policy, the staff will also remind you that the loss will be very large, and you still handle the surrender, why?

I think your own reasons are also great. If you don't read the contract, you listen to others, are you not assertive?

First, you must come up with evidence that the business staff deceived you, falsely advertised, or misled you, and only when the evidence is complete can we ensure that the surrender will not be lost.

2. After the evidence is collected, first go to the business outlets to negotiate, if it cannot be resolved, the insurance company headquarters or directly the China Banking and Insurance Regulatory Commission complaint. This is the most powerful solution, and most insurance companies will come forward to solve it.

Third, it also depends on the type of insurance you have bought, the premiums you have paid for several years and other details.

Is there any evidence of fraud? Signed a contract? If there is no evidence and the contract is signed, it is difficult to say that it is a fraud. If you have signed a contract, you can apply to the insurance company to surrender the policy, indicating that you did not understand the content of the contract at the beginning, and signed it without knowing it, but the probability of return is not large.

There are a few who understand the cash value. Let them die, who would dare to buy insurance, **.

You can report the crime,**. You say that you have been deceived, you have to provide evidence, conclusive.

If you have sufficient evidence, you can go to the CIRC to complain and ask for a full refund.

Call the police, find good evidence, and finally have **.

If you have sufficient evidence, you can sue the salesman.

Solve it through legal means, and if it doesn't work, **.

Negotiate with the insurance company first, negotiate invalidly, follow the legal order, consult a lawyer, and report to the court

Today's hard drives, whether IDE or SCSI, are used"Winchester's technology has the following characteristics: 1. Sealing of magnetic head, disc and moving mechanism. 2. The surface of the plated disc fixed and rotated at high speed is flat and smooth.

3. The magnetic head moves radially along the platter. 4. The magnetic head starts and stops in contact with the platter, but it is in a flying state and does not have direct contact with the platter. Platter:

Hard disk platters are magnetic particles attached to the surface of aluminum alloy (glass is also used in new materials). These magnetic particles are divided into concentric circles called tracks, and on the tracks of each concentric circle there are as if there are countless small magnets of any arrangement, which represent states of 0 and 1, respectively. When these small magnets are subjected to a magnetic force from the head, the direction of their alignment changes.

The magnetic force of the head is used to control the direction of a number of small magnets so that each small magnet can be used to store information. Disk: The disk body of a hard disk is composed of multiple platters, which are stacked together in a sealed box, and they are driven by the spindle motor to rotate at a very high speed, and its speed per minute reaches 3600, 4500, 5400, 7200 or even more.

Head: The head of the hard disk is used to read or modify the state of the magnetic material on the platter, generally speaking, each magnetic surface will have a head, starting from the top, numbered from 0. When the head stops working, it is in contact with the disk, but it is in flight when it is working.

The head takes the contact start and stop method in the landing area of the platter, and the landing area does not store any data, and the head starts and stops in this area, and there is no problem of damaging any data.