How much can I get back if I buy a policy for one year?

If you plan to surrender the policy, the first thing that comes to mind is how can you get as much money back as possible? The guide is sent::《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

If you are not in a hurry to use the money, it is recommended that you do not surrender the policy, the loss is very large, and if you need it urgently, you can borrow from the policy.

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the business department of the insurance company to fill in the surrender application!

How much money can be refunded under an insurance policy is divided into the following situations:

(1) Full surrender

Generally, these conditions can be surrendered in full:

1.Surrender during the cooling-off period

Usually there is a hesitation period after the purchase of insurance, and the surrender of the insurance during the hesitation period can return all the premiums, only deducting about 10 yuan of the cost of production, usually the hesitation period is calculated 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 signed the insurance contract, in this case, the full premium can be refunded if the insurance is surrendered.

3.There is evidence

If there is evidence that can prove that the person violated the rules or deceived the consumer, the full premium can also be refunded if the policy is surrendered.

(2) Refund of cash value

If the policy is surrendered outside the hesitation period, only the cash value will be returned, and the cash value is savings life insurance, such as term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, comprehensive insurance, whole life insurance, endowment insurance, universal insurance and participating insurance, etc.; Accident insurance, one-year medical insurance, etc., generally have no cash value.

The cash value of the policy can be calculated as follows:

(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 fixed insurance money will be given to the customer, and the other part is the insurance money that depends on the company's operation, and this part of the uncertain insurance money is called dividends. Specific popular science is presented:

"Demystifying the Mystery of Dividend Insurance".

It can be seen that if the surrender time exceeds the hesitation period, the money returned is 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!

If you want to surrender the policy, take a look at the cash value of your policy, and you can refund as much as the cash value is, and under normal circumstances, you can't refund much. If you decide to buy it, it's best not to return it.

Summary. There are two ways to surrender PICC Lifetime Insurance: Full surrender.

1) There will be a hesitation period after the policy takes effect, and if the policy is surrendered during the hesitation period, the policy can be surrendered in full and only about 10 yuan of production cost will be deducted. (2) Due to the non-standard operation of some salesmen, the signature of the insurance contract is signed on behalf of the applicant, and the application for surrender can be surrendered in full. (3) If it can be proved that the person violates the rules or deceives the consumer, the application for surrender can be surrendered in full.

Cash value is returned. After the cooling-off period, the policy can only be refunded to the cash value.

There are two ways to surrender PICC Lifetime Insurance: Full surrender. (1) There will be a hesitation period after the policy takes effect, and if you surrender the policy during this period, you can surrender the policy in full and only deduct about 10 yuan of the production cost.

2) Due to the non-standard operation of some salesmen, the signature of the insurance contract is signed by Fu Yu, and the application for surrender can be surrendered in full. (3) If it can be proved that the person violates the rules or deceives the consumer, the application for surrender can be surrendered in full. Cash value is returned.

After the cooling-off period, the policy can only be refunded to the cash value.

After the policy takes effect, the customer will apply to the insurance company for a surrender of the policy, and then prepare relevant materials, such as the insurance contract, the policyholder's ID card, the insured's ID card, bank card, etc. After the policy becomes effective, the customer will receive a surrender notice from the insurance company in a timely manner. After verifying the relevant information provided by the user, the staff of the insurance company will review the portability and return the policy to the customer's bank account in a timely manner.

The insured has hidden the insurance person's bank card, etc.

It is possible to retire if you are friendly. <>

However, if the policy is surrendered for one year, the policyholder can only get back the cash value of the policy, which is a certain degree of loss compared to the amount of premiums paid by the policyholder for one year. Good potato is generally recommended to surrender the policy during the hesitation period, and the surrender during the hesitation period is regarded as a normal surrender, and the insurance company will generally only deduct some of the production costs, and the remaining premiums will be refunded and exchanged, and the loss is minimal. Therefore, if you want to surrender the policy, you should try to choose to surrender within the cooling-off period to avoid unnecessary losses.

The subject is asking how much can Zhiyue Life pay 5,000 per year for 7 years? 7000。

Zhiyue Life is a product of Ping An Insurance, Sohe, Zhiyue Life is just bought in the first few years to surrender the policy, about 20% can be returned, mu cover 5000 to pay 7 years is 35000,.

Ping An Zhiyue Life is underwritten by Ping An Insurance Company of China, this product allows people aged 18-65 to be insured, the protection period is relatively simple, only supports lifelong protection, and the minimum payment period of this product is 10 years, if you pay for 20 consecutive years, you can receive a continuous incentive. If the policy is surrendered early, only 20% of the total amount will be refunded.

Summary. Hello, the premium can only be refunded according to the cash value after 6 years. The specific amount of refund depends on the specific cash value of the insurance purchased, and the cash value of each insurance is different, but the cash value is generally lower than the premium paid, because the cash value is related to the premium, payment period, product, etc.

In general, the handling fee that needs to be deducted is relatively large in the first 2 years, and 50%-70% of the fee may need to be deducted. After two years, the percentage of deductions is reduced.

However, it should be noted that the necessary requirement for surrender is that the policy must be within the guarantee period and have not been insured or received insurance benefits. Of course, if we need to take out participating insurance, then when the policy is surrendered, in addition to the cash value of the policy, a certain dividend can also be directly returned.

Life insurance has been paid for 6 years, a total of 10,000, how much can be refunded after surrender.

Hello, the premium can only be refunded according to the cash value after 6 years. The specific amount of refund depends on the specific cash value of the insurance purchased, and the cash value of each insurance is different, but the cash value is generally lower than the premium paid, because the cash value is related to the premium, payment period, product, etc. In general, the handling fee that needs to be deducted is relatively large in the first 2 years, and 50%-70% of the fee may need to be deducted.

After two years, the percentage of deductions is reduced. However, it should be noted that the necessary requirement for surrender is that the policy must be within the guarantee period and have not been insured or received insurance benefits. Of course, if we need to take out participating insurance, then when the policy is surrendered, in addition to the cash value of the policy, a certain dividend can also be directly returned.

It is about to return 30% to 70% of the insurance surrender process: 1. First of all, you must confirm whether you meet the surrender requirements, you can call the insurance customer service ** for consultation, or you can go to the insurance company to ask; 2. After confirming that you meet the surrender conditions, you should prepare relevant surrender information as required, generally you need to prepare your valid ID card, bank card, first invoice, first policy contract, etc., it is recommended to prepare the original and copy; 3. Then bring the materials to the local insurance company counter to go through the surrender procedures, you need to receive and fill in a "Application for Termination of Insurance Contract", fill it out and hand it to the staff of the insurance company, and also fill in some documents to explain it, and see the signature; 4. Specify the bank account you use to surrender the insurance, and if it is a new card, give a copy of the other party's bank card; 5. Wait for the insurance company to review, and the insurance company will transfer the money to the designated bank account after the review is passed. Tips:

Surrender can only return part of the amount is not cost-effective, so before buying insurance, you must understand that the product can not be trusted by the salesman, you have to inquire about the advantages and disadvantages of the relevant insurance, so that you know, and finally wish you peace

A: Full refunds are not available.

Ping An Zun Yu Life Insurance (Participating) Insurance is an annuity insurance with a short payment period and lifelong protection, and the terms of the contract show that its insurance benefits are:

From the third policy anniversary of the insurance contract to the 60th anniversary of the policy, if the insured is still alive on the policy anniversary of each year, the survival insurance benefit will be paid at the rate of 15% of the basic sum assured; If you are still alive every year after the age of 60 (inclusive) and reach the policy anniversary, you will be paid a survival benefit of 18% of the basic sum assured;

If you are still alive from the 3rd policy anniversary of the insurance contract to the policy anniversary of 60 years old, you will be paid 50% of the basic sum assured.

Death: Before the age of 18, the contract will be terminated without interest refund of premiums, and after the age of 18 (inclusive), the death benefit will be paid at the rate of 105% of the premiums paid.

Article 10 of the Insurance Law of the People's Republic of China An insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations.

Article 14 After the insurance contract is established, the policyholder shall pay the insurance premium as agreed, and the insurer shall begin to bear the insurance liability according to the agreed time.

Article 15 Except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is concluded, the policyholder may terminate the contract, and the insurer shall not terminate the contract.

Article 47 If the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, refund the cash value of the insurance policy in accordance with the contract.

The cash value of the policy is clearly listed in the insurance contract, as for whether the full premium can be refunded, you can look at the policy or the policyholder himself call 95511 to call the relevant customer service staff of the insurance company for details, generally speaking, the cash value of the 3-year premium policy is lower than the premium paid. As the policy term increases, the cash value will gradually increase.

In summary, once the insurance contract is established, it has legal effect, both parties have corresponding rights and obligations, and the surrender of the insurance is a unilateral termination by the policyholder, and the law stipulates that only the cash value of the policy can be refunded.

In the long run, the preservation and appreciation of customer assets is certain and stable, but this is a certain amount of time to guarantee, insurance products are not a short-term financial instrument to obtain high returns, especially in the early stage of the insurance company has invested a lot of costs in research and development, development and operation of the product, so the cash value of the general pre-policy is relatively low, and the customer will lose more if the policy is surrendered. This is not recommended.

As far as I know, there is no way to give a full refund if you want to surrender the insurance. This is the case with any insurance company.

Summary. Hello dear, I am happy to answer for you, Ping An Insurance Zhiyue Life Universal Payment for 7 years, surrender can be insured 10,000 yuan, and the insurance can be refunded about 20% or 30%, if you go to the middle and late stage of the payment to surrender, the amount of money returned will be a little more.

Ping An Insurance Zhiyue Life Universal Payment for 7 years, how much money can be refunded when surrendered.

Hello dear, I am glad to answer for you, Ping An Insurance Zhiyue Life Universal Payment for 7 years, surrender can be insured for one year to do 10,000 yuan, Bao can return about 20 or 30 percent, if you go to surrender the insurance after the payment period, the amount of money returned will be a little more.

Ping An Zhiyin Yue Life Universal Insurance has the following characteristics: 1. Enhanced Double ProtectionDuring the validity period of the contract, customers can enjoy dual protection against death and critical illness. Zhiyue Critical Illness has added 15 types of critical illness and expanded the coverage of critical illness to 45 types of travel rental.

Dear, you want to see how the contract is written.

The main thing is to look at the terms and conditions in the contract.

Hello dear, I'm glad to answer for you, it's not cost-effective to surrender the policy after five years. Surrender is the most cost-effective only during the cooling-off period. It is not cost-effective to surrender the policy in the middle of life, especially in the first two years of insurance, the surrender can only be surrendered in the form of cash value, usually the cash value is deducted from the commission of the insurance sales personnel and the insurance company's protection costs, etc., which will make the policyholder bear a certain loss.

Therefore, we should think carefully when we buy insurance. Unless we surrender the policy during the hesitation period, we will bear a lot of losses, and the premium will usually be refunded in full during the hesitation period, at most deducting the production cost. 3. What are the precautions for surrender of Zunying Life1. The surrender applicant generally needs to surrender the policyholder himself.

If the insured person is a surrender claimant, a written consent letter is required, and the applicant needs to specify who will receive the surrender amount. 2. The insured's physical condition insurance product needs to be informed by health when applying for insurance. Therefore, when withdrawing the original insurance product and wanting to purchase a new insurance product, it is necessary to pay attention to whether the insured can inform the new insurance product.

If it doesn't pass, then people are advised not to surrender the policy. 3. Surrender time: All insurance products have an insurance waiting period. If you want to surrender your original insurance product, it is best to do so after the waiting period for your new health insurance purchase, as this will ensure that there will be no gap in the policy.

Surrender is actually a way to reduce losses, but to reduce losses, we still have to calculate according to the time of surrender, and it is best to choose to surrender during the hesitation period.