How much can I get back after one year of refundable insurance?

Xueba talks about insurance, focusing on insurance evaluation! When buying critical illness insurance, you should pay attention to careful comparison, not careless, and try to avoid economic losses caused by surrenderTop 10 [Not Worth Buying] Critical Illness Insurance Points!

Hello! Regardless of the type of insurance, if you surrender the policy after the cooling-off period, the money you can get back is the cash value after deducting a series of handling fees.

It is not clear which insurance policy you are buying, but the cash value you can get back after one year can be found in the cash value table in the contract.

Although the only money that can be recovered is the cash value, there is a way to minimize the loss when the policy is surrendered! See the detailed explanation below:

Some friends don't pay attention to buying insurance, and they always buy it casually, and they are not satisfied with the insurance they bought later, so they want to surrender the insurance. Then you should be careful when surrendering the policy, and before surrendering the policy, it is recommended to read this article before decidingHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Normally, surrender will result in a financial loss to us, unless it is in one of the following two cases:

1.Cooling-off period surrender:About 10-15 days from the date of signing the contract, which is the hesitation period of the insurance, during which the premium can be refunded in full without reason;

2.Sales misleading:If the insurance contract is signed under the misleading of the salesman, there is a great chance that the insurance contract will not be signed by the person and you will get back all the premiums paid.

In addition to these unexpected circumstances, losses are inevitable, and what can be done is to minimize the loss as much as possible, such as choosing to reduce the amount to pay off

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

Compared with surrender, this method reduces the loss, but this method is not common to all insurance, and whether such a treatment can be passed still needs to be confirmed with the insurance company.

In addition,There are also the following situations to note about surrender:

It is best to choose to cancel the insurance after the waiting period of the new insurance to avoid the interruption of coverage.

2.Health Status:If the body has more diseases, it may not be able to pass the underwriting of the new insurance, and surrender is not the first choice for this group of people.

3.Payment card balance:If you are ready to surrender the policy, it is best not to put money in the bank card that paid the insurance premium, if the payment period is deducted, and you have not applied for a refund, it will be another loss.

Regarding the surrender, there are a lot of details that need to be paid attention to, and I will not go into detail if the space is limited, and I will share with you a very comprehensive article here, which can be collected if you are interestedWhat are the details to pay attention to when surrendering an insurance policy? Hope!

Surrender of the policy will be refunded according to the specific cash value stated in the policy contract.

As with any policy, the loss of surrender in the first year is the largest.

Read the policy contract carefully and ask your own ** person carefully.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

Summary. Hello, the cash value table of different insurances is different, you pay the insurance for one year, the premium of 6000 yuan, the surrender is according to the cash value table of the first year to give you the return of the premium, can only give you about 30% back, that is, you can only return 1800 yuan, which is very not cost-effective.

After paying the insurance for a year, how much can the surrender of 6000 be returned.

Hello, the cash value table of different insurances is different, you pay the insurance for one year, the premium of 6000 yuan, the surrender is according to the cash value table of the first year to give you the return of the premium, can only give you about 30% back, that is, you can only return 1800 yuan, which is very not cost-effective.

The first step is to open a paper or electronic policy and turn to the page of the cash value table, usually the last page or the middle of the policy. The second step is to do a simple review.

Some insurance companies have listed the cash value table according to the individual payment situation, such as the surrender payment of 1215 in the first year, the surrender payment of 3620 in the second year, etc., which have been listed one by one until the expiration of the policy, and do not need to be calculated. In another case, the sum insured needs to be converted, and there is only the cash value corresponding to the sum insured of 10,000 in **, such as the sum insured of 10,000 for critical illness insurance, and the surrender fee for the first year is 50 yuan; The surrender benefit for the second year is 320 yuan; The surrender of 850 yuan in the third year, etc., in this case, it can be converted in combination with the amount of personal insurance, and the amount of 200,000 insurance bought by the individual can be 20 50 = 1000 yuan in the first year.

After buying 4,700 yuan insurance for a year, if the insurance expires after one year, then you can get a full refund. If the insurance does not reach the specified time, you will have to bear a certain amount of loss. Specifically, you can consult the insurance company's manual customer service or offline insurance company in detail, or check the cash value table on the policy purchased at that time, and calculate how much insurance can be refunded according to the year.

When buying insurance, generally in the insurance company to buy, there is a hesitation period of ten days to surrender the policy, and then within ten days after the purchase of insurance, if you feel that this insurance is not suitable for you, then you can return the insurance at any time, at this time the surrender is full surrender, will not bring any economic losses. If you buy insurance from a bank, there will be a 15-day cooling-off period, and within these 15 days, if you have any objections to the insurance, you can apply for surrender within 15 days, and you will not suffer any loss of principal.

The policyholder must read and check the insurance purchased carefully, some of the cash value will be reflected in the policy, by looking at the cash value, you can see how much income your insured amount will bring after many years. In this way, it is easy to see at a glance, if the policyholder has passed the hesitation period after purchasing insurance, the surrender time, but still not to the expiration date of the insurance, then it will bring a certain amount of financial loss, when surrendering the policy, it must be calculated whether it is cost-effective or not, generally if it is not a particularly important thing, it is recommended that it is best to take out the funds after the insurance expiration date, so as not to bring unnecessary losses to their own funds, if the payment is stopped halfway within the scope of the contract, then the policyholder will also suffer a certain loss of funds, Sometimes giving up the payment of follow-up funds will affect their cephalosporin amount, and in serious cases, even half of the principal will not be returned, so the policyholder must consider carefully when buying insurance and carefully understand the terms to avoid unnecessary trouble.

About 2,000 yuan can be refunded, because in the process of applying for this insurance, the company should also deduct the corresponding handling fee.

Dear, if your insurance is of this type of insurance that pays for 20 years for life, you can only refund about 10% of the premium paid when you apply for surrender after one year, that is to say, you can only refund about 400.

Questions. That is, if you buy insurance, you have to pay 4,700 yuan for ten years, one year.

In this case, the money refunded will be very small, about 400 800, you look at the cash value of the first year, this is the money that can be refunded by surrendering.

The cash value is the amount of money that can be refunded when you surrender the policy, if you can prove that you were fooled into buying the insurance at that time, contact the insurance company to defend your rights and apply for a full surrender.

Questions. He said this at the time, saying that he could return it after 10 years, and then later said that he could only return half of it after 10 years, and when he was in his 60s, he would be guaranteed 46 years.

This kind of insurance is generally cost-effective, and you can get the principal later, but the cycle will be particularly long.

If you pay for 10 years and have a long-term guarantee, you will not be able to return the principal in the 10th year.

Generally, you can refund half or about 60%, because it is impossible to get all of them, so it should be reasonable to solve this matter.

This is according to a certain percentage, and the proportion of each insurance is different, so you can go to the counter for consultation, which is probably one or two thousand.

The three-year return of insurance means that the survival fund is returned quietly every three years, and the specific amount of return depends on the insured amount of the insurance contract purchased.

Some are returned according to the proportion of the basic insurance amount, and some are returned according to the premium paid, if you are not clear, you can check the terms or contact the insurance company's customer service for detailed consultation.

Return-type insurance is also commonly known as savings insurance, that is, after the insured survives to the agreed period, the insurance company has to return the premium paid or the insurance amount specified in the contract.

The main types of insurance that can receive money when you are old are annuity insurance and whole life insurance.

etc., especially pension insurance.

It is very practical, for example, a pension insurance starts to buy when you are 55 years old, and you can start to receive a fixed pension according to the insurance contract after paying the premium for three years.

In addition, life and death insurance can also cover the death benefit if the insured dies within the coverage period, and the insurance company can pay the survival insurance benefit if the insured survives to the period agreed in the insurance contract.

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

Summary. 8000 yuan insurance paid a year to surrender to the total insurance of 20, the insurance has just signed a hesitation period, at this time the policyholder surrenders, the insurance company needs to refund all the premiums that have been paid, that is to say, the first year to pay 8000, you can refund 8000, the policyholder only needs to pay more than 10 yuan of the cost; If the refund is the part of the cash value after this time, the cash value is very small when the contract is first signed, and the minimum may only be 20% of the principal, which means that the refund will be less than the principal, but the specific refund amount can only be confirmed by looking at the insurance contract.

8000 yuan insurance paid a nuclear section of a year surrender to the total insurance 20, the insurance called when the burial has just signed a hesitation period, at this time the policyholder surrendered, the insurance company needs to refund all the premiums that have been paid, that is to say, the first year to pay 8000, you can refund 8000, the policyholder only and the ant to pay more than a dozen yuan of costs; If the refund is the part of the cash value after this time, the cash value is very small when the contract is first signed, and the minimum may only be 20% of the principal, which means that the refund will be less than the principal, but the specific refund amount can only be confirmed by looking at the insurance contract.

Article 11 of the Insurance Law of the People's Republic of China The conclusion of the insurance contract shall be reached through consultation, and the rights and obligations of all parties shall be determined in accordance with the principle of fairness. Article 12 The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract: the insured of property insurance shall have an insurable interest in the subject matter of the insurance at the time of the occurrence of the insured event; (2) Life insurance is insurance with a person's life and body as the subject matter of insurance; (3) Property insurance is insurance with property and its related interests as the subject matter of insurance; (4) The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money.

The policyholder can be the insured; (5) Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Summary. The insurance is paid for 7 years, and for the 10-year insurance, it only takes three years to complete the payment. At this time, the surrender of the policy will not cost much to be refunded, which will cause a certain amount of cash loss.

What's more, once the surrender process is completed, the relevant coverage is gone, and the contract between the insurance company and the policyholder is terminated. After the surrender of the policy, if the insured has a related accident, the insurance company is not responsible for making a claim. If you have bought the insurance for 7 years and only want to surrender the insurance, the general insurance has a grace period, basically 60 days, even if you do not pay the fee during this time period, it is guaranteed, if you want to surrender the insurance, it is best to return after the grace period, you can enjoy a period of grace period for free.

How much can I get back after paying 12,000 years of insurance for 7 years.

Hello, the money that can be returned after 7 years of insurance is generally the cash value of the policy, which is related to the policy contract signed by both parties.

If the policyholder buys a wealth management insurance, the money that can be returned after 7 years of surrender is about 70% of the principal paid, and if the policyholder buys protection insurance, the money that can be returned after 7 years of surrender is about 40% of the principal paid.

How much money can be refunded by surrendering the policy, you only need to look at the cash value table on the policy contract to know. If your cash value table is unfortunately lost, you can also call the official customer service of the insurance company directly to ask about the cash value of the policy, and the customer service will generally tell the policyholder.

The insurance is paid for 7 years, and for the 10-year insurance, it only takes three years to complete the payment. At this time, the surrender of the policy will not cost much to be refunded, which will cause a certain amount of cash loss. What's more, once the surrender process is completed, the relevant coverage is gone, and the contract between the insurance company and the policyholder is terminated.

After the surrender of the policy, if the insured has a related accident, the insurance company is not responsible for making a claim. If you have bought the insurance for 7 years and only want to surrender the insurance, the general insurance has a grace period, basically 60 days, even if you do not pay the fee during this time period, it is guaranteed, if you want to surrender the insurance, it is best to return after the grace period, you can enjoy a period of grace period for free.