Can I get a refund for my child s insurance premiums in the Pacific?

Hello, any insurance purchased in any insurance company is refundable, and the customer has the right to surrender the policy. If you surrender the policy within the 10-day cooling-off period, you will be refunded the full amount of the premium after deducting your 10-day production cost, and if you surrender the policy after the 10-day cooling-off period, it will bring you a lot of losses. There is a risk of surrender, and customers should be cautious.

Thank you!!If the policy has been paid for several years due to financial reasons, it is recommended to use the policy pledge loan. Thank you!!

If you buy within ten days of return, you can return it all, if you return it after ten days, there will be a big loss, insurance is a kind of protection, but also part of the family financial management, if you buy if it is not a problem with money, it is recommended to pay it. Because adults need protection, children also need it, which is also a manifestation of love.

The contract can be fully refunded within 10 days from the date of signing, the payment period within 8 years of more than 10 days of the hesitation period after 10 years of refund is no loss, the payment period of more than 8 years is generally after the expiration of the payment period plus about 3 years of refund without loss, but pension insurance and medical insurance generally can not be refunded.

Hello, your policy is refundable if it has not passed the 10-day cooling-off period. If the 10-day cooling-off period has passed, there will be a great loss in surrendering the policy. It is advisable to consider carefully.

You can return, you can return in the ten-day hesitation area, there will be a loss after the number, it is recommended not to return.

Hello, every insurance company is like this, the full premium can be refunded within the 10-day hesitation period, if you are not clear about the contract you have purchased, it is recommended to surrender the policy first, and then buy after understanding clearly.

No matter who you pay it to, you can return it, but there is a difference !! between more refunds and fewer refunds

All insurance money can be refunded.

Depending on how long you have paid, the insurance contract has a 10-day hesitation period, and you can get a full refund.

Hello, if it is a hesitation period, it can be refunded in full. If you exceed, you will lose.

Surrender is your right, but the surrender loss can be significant.

Within the 10-day cooling-off period, a full refund can be made.

It depends on which type of insurance is purchased, and some participating insurance plans can get back the premiums paid in the next few years.

1.If it refers to the surrender of the policy, you can call the policy service staff or the company's customer consultation2If it refers to the return of dividends, it is the same as 1.

I.1If the policy is surrendered during the hesitation period of the insurance contract, then the Pacific Insurance Company will refund all the premiums that have been paid, but it needs to deduct a little cost, which is basically about 10 yuan, which means that there is no big loss to the policyholder during this time.

2.If the policy is surrendered outside the cooling-off period, then the Pacific Insurance Company will calculate the policy value of the policy at the time of surrender, and after deducting some expenses such as the insurance company's ** fee and operating expenses, it will be refunded to the policyholder's bank account, which will lose more benefits.

2. Notes on 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.

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.

2.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.

3.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.

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.

4.Surrender is a headache for insurance companies and people, and what is more headache is that insurance companies generally have to deduct a valuable surrender premium from the surrender money returned to the policyholder, and customers will generally be very dissatisfied with this, and even think that the insurance company is a commercial fraud, and anger at more innocent insurance people. At this time, if the first person cannot say "why" the reason for collecting the surrender premium, it is likely to ruin the friendly relationship established between the first person and the customer at a huge cost.

Nowadays, there are many kinds of insurance products in the market, and when we choose these insurance products, we should also purchase them according to our own economic situation and some social factors. At the same time, it is necessary to understand the insurance period and some precautions of these insurances, so that we can better protect the rights and interests of individuals. Nowadays, most insurance products are very user-friendly and can provide us with better protection and service.

Answer your good friend, I am happy to answer your question, for the insurance of the Pacific, the general surrender can be refunded 80%, specifically in combination with the time of your purchase and the time of expiration, if you handle the surrender, go directly to the local business hall, there is a surrender window, I hope my reply can help you, I wish you a happy life

I didn't ask a question, I only paid it for 3 years, and I have to pay it for 20 years.

First of all, you must know which insurance you are in, and also look at whether your insurance contract cannot be surrendered, which is generally written in the insurance contract, and you must know how long you have been in the insurance and how much money you have paid.

If you buy this insurance, he will deduct a lot of part of the handling fee when you surrender the policy, and in this case, it is not cost-effective for you to surrender the policy, so it should be 1 3 if we surrender the policy

If you are within the cooling-off period, you can get a full refund. If it is not during the cooling-off period, the cash value of the contract is the money you want to return.

1. The surrender process of Pacific Insurance is relatively simple. Applicants only need to bring their valid ID cards, bank cards, insurance policies and other materials to the local Pacific Insurance Company business outlets to go through the surrender procedures; After verifying the policy, the insurance company will confirm the surrender amount and then refund the remaining premium to the user's bank card account. When handling the surrender of the policy, in addition to surrendering the insurance through the business outlets of the insurance company, you can also apply for surrender through the insurance broker, **, etc.

2. It should be reminded that when handling the surrender of the policy, it is divided into surrender during the hesitation period and surrender after the hesitation period. If you surrender the policy during the cooling-off period, you can get a full refund of the premium, and you will need to charge the insurance contract fee at the end. If the policy is surrendered after the cooling-off period, the insurance company will often only refund the cash value of the policy, which will cause certain financial losses to the policyholder.

Expand your information; 1. How to operate the surrender process?

1. First of all, submit an application for surrender to the insurance company, prepare the insurance contract, ID card, bank card and other materials, and submit it to the insurance company for review.

2. The insurance company will contact the user to go through the surrender procedures with the insurance company after checking the information and confirming that it is correct.

3. After the user signs the Application for Termination of Insurance Contract, the insurance company will refund the premium to the bank card account designated by the user.

2. What materials should be prepared for surrender?

Before surrendering the policy, the first thing to prepare is a personal ID card, which is to prove that you are a customer of the insurance company, and the second is to prepare the policy. This is to prove that you have been insured by the insurance company, followed by a proof of payment and a surrender application, both for the purpose of a smooth surrender and calculating the amount you will receive.

3. What are the precautions for surrendering?

First of all, pay attention to the time of the policy to see if there is still a cooling-off period for the surrender. If you want to surrender the policy during the cooling-off period, don't wait to do it immediately, because if you surrender the policy during the cooling-off period, the insurance company will refund the premium paid in full, and only deduct the expenses at most, that is, there is basically no loss, and if you surrender beyond the cooling-off period, you will lose a large part of the benefits.

Before surrendering the policy, you should prepare various surrender materials, such as the applicant's identity certificate, insurance policy, payment voucher, surrender application, etc., which are necessary to complete the surrender.

Applicants are required to submit a surrender application. If the insured person makes an application, the applicant needs to sign the paper surrender application form, that is, the applicant's written consent is required, and it is clearly stated in the surrender application form who will receive the insurance benefits after the surrender.

After confirming the surrender, you must clear the bank card bound to the policy to avoid a surrender error. Then, the payment period came and the deduction was made.

Hello, if you want to surrender Pacific Insurance, there are several ways to choose:1Call customer service ** to surrender the policy, call the customer service of Pacific Insurance Company**, apply for surrender after transferring manual service, and provide the customer service staff with the policy number and the personal ID number of the policyholder, the customer service staff will start to surrender the policy after confirmation, and then there will be a special person to deal with it, and the policy can be surrendered according to the prompts.

2.Official** online surrender into the official website of Pacific Insurance Company, start the surrender process on the insurance page, fill in the relevant information, submit the electronic file of ID card, policy and payment voucher, and start surrender after completion, and mail the surrender application to the insurance company, and the contract begins to expire when the insurance company receives the surrender application. 3.

Surrender the policy at the offline outlets of Pacific Insurance Company, and bring the policyholder's valid identity document, bank card and insurance policy and other information, and if the policy is surrendered in the hesitation period, you also need to bring the invoice for the payment of the first insurance premium, and submit the materials to the counter staff to complete the surrender.

This needs to be determined according to the terms and conditions in the insurance contract, some insurance plans can refund the principal after paying the premium, while some whole life insurance plans can only refund the principal after the death of the insuredRegardless of the type of insurance, the cash value of the policy can only be refunded if the policy is surrendered midway, and it has nothing to do with whether the premium has been paid or not。Although many people have purchased insurance, they do not know much about the insurance they have purchased, and even think that after paying the premium, they can apply for a full refund, but in fact, the payment of the premium and the application for a full refund have nothing to do with it.

For example, if the policyholder buys a wealth management insurance, after paying the premium and the contract expires, the insurance company will refund all the expenses to the policyholder with interest. The reason why all fees will be refunded is because the contract expires, and if the policy is surrendered before the contract expires, only the cash value of the policy will be refunded. If the policyholder buys a whole life insurance, the result is different, whole life insurance generally protects the insured for life, which means that only after the death of the insured, his next generation can get the insurance company's compensation.

If the policy is surrendered in the middle of the policy after paying the premium, not only will the insured not be able to enjoy the subsequent protection, but also a part of the premium paid will be lost, which is really worth the loss. Many people have paid hundreds of thousands of premiums, and only half of them will be refunded when they are refunded, which is a very normal phenomenon, because the insurance company needs to deduct their losses from the premiums paid by the insured person, and the rest of the money will be returned to the policyholder.

Don't think that the insurer's practice is illegal, the insurance company will generally follow the form of the contract, and these will be clearly written in the original contract. Therefore, when we sign insurance, we must carefully read the insurance contract, especially the insurance coverage, which is a matter related to our vital interests. If you are not sure, you can consult the local business office or customer service first.

This one is uncertain. If you are within the cooling-off period, you can apply for a full refund, but if you have exceeded the cooling-off period, you cannot get a full refund.

It depends on whether there is a hesitation period in the contract, and the surrender can be fully refunded during the hesitation period, and only a part of the refund can be refunded after the hesitation period!

You can apply for a full refund, and I think you should say hello to the insurance company before you leave.

You just pay the premium, the insurance period of the insurance company may be lifelong, if you surrender the policy, it is a breach of contract, and you will have to pay liquidated damages.

You can apply for a refund, but it is not possible to refund all of them because there will be a certain processing fee and a certain fee will be deducted.

Do you mean the payment period has ended? Generally, the cash value is refunded, but in some cases, the cash value is higher than the premium we paid before, and at this time, it can be regarded as a full refund. Whether you can get a full refund depends on what kind of insurance you buy in the middle of the day and the specific terms of the contract.

Five years becomes thirty years of insurance. It's the best friend** person. Buy insurance. Five years become thirty years.