What to do if the Chinese life insurance dividend type does not return during the hesitation period

Hello, if you want to surrender the policy clearly, handle it during the hesitation period, after the hesitation period, the surrender loss will be large, and the insurance company has no reason not to surrender the policy during the hesitation period.

During the hesitation period, if you want to return the salesman and do not let you return, you can call the company's **** lawsuit, and the insurance company will serve you warmly!!

If the cooling-off period is over, surrender will be detrimental to your interests and only part of the cash value will be refunded.

Hello, as long as you want your hesitation period has not passed, the insurance company will surrender the policy unconditionally.

If you don't return during the hesitation period, it means that you have approved the product and it is time for you to fulfill your obligations.

Hello, there is no loss in surrender during the cooling-off period.

Hello friend, after the cooling-off period, it means that the customer recognizes the insurance contract, the contract is carried out to the substantive stage, and both parties begin to exercise their rights and obligations.

Just like buying a 7-day bag of clothes, once the time has passed, it means that you recognize the product, and then each other will fulfill each other's responsibilities.

Hello: The situation you said can be reported to the head office, and you can call the national service ** for consultation.

What insurance hesitation period can also leg, go to the company to find the front desk to handle.

If you are willing to bear the loss, you can surrender the policy at any time.

If you do not return, you will fulfill your obligations according to the contract.

Hello, you are covered if you don't return.

Xueba talks about insurance, focusing on insurance evaluation! The comparison of 35 participating insurance products and 101 popular critical illness insurance products in 2020 is here35 participating insurances competed with 101 mainstream critical illness insurance, to friends who know this article.

Participating insurance, as the name suggests, is a participating insurance, which not only provides various guarantees agreed in the contract, but also can enjoy the insurance company's business results both protection function and dividends, killing two birds with one stone.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", but many friends tell me that "I bought dividend insurance and now regret it", because the dividend income is completely out of line with expectations.

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance have made the real benefits that customers can obtain an unknown, and they have caused high-frequency complaints about participating insuranceWhy is participating insurance a "high-incidence area" for insurance?

The income and dividend methods of participating insurance are extremely complex, and even insurance practitioners are difficult to do, so as a novice, don't challenge such a high degree of difficulty!

That's all for me"What to do if the Chinese life insurance dividend type does not return during the hesitation period"All, look!

Summary. Hello dear, happy to answer your <>

New China Life participating insurance can be refunded if it has not expired for 20 years, and there are two main situations for refund: 1. Surrender during the hesitation period: Generally, New China Insurance provides a 15-day hesitation period for policyholders, as long as the policy is surrendered within the hesitation period, the insurance company can refund all the premiums.

2. Surrender after the cooling-off period: If the cooling-off period is exceeded, the policyholder cannot refund the premium in full after applying for surrender. New China Insurance Company will deduct the premium according to the deduction method agreed in the policy.

Can New China Life's participating insurance be refunded if it has not expired for 20 years?

Hello dear, happy to answer your <>

Xinhua Life participating insurance can be refunded if it has not expired for 20 years, and there are two main situations for refunds: 1. Surrender during the hesitation period: Generally, Xinhua Insurance provides a 15-day hesitation period for all policyholders, and the insurance company can refund all the premiums if you apply for surrender during the hesitation period.

2. Surrender after the hesitation period: If Heling exceeds the hesitation period, the policyholder cannot refund the premium in full after applying for surrender. New China Insurance Company will deduct the premium according to the deduction method agreed in the policy.

Participating insurance can be surrendered anytime and anywhere, but one thing is very noteworthy, when you buy insurance, there is a 15-day hesitation period after the insurance contract is received, if there is a hesitation period to surrender the policy, it is possible to surrender 100% of the policy, only deduct 10 yuan of the production cost, if the policy is surrendered after the hesitation period, then it is necessary to surrender the policy according to the cash price of the policy, so that the surrender principal is a certain loss.

I bought a total of 30,000 yuan for 13 years, can I get a full refund?

How long did I buy pro.

There are two main situations for refunds: 1. Surrender during the hesitation period: Generally, the new Jianhua insurance provides a 15-day hesitation period for the policyholders, as long as the insurance company applies for surrender during the hesitation period, the insurance company can refund all the premiums.

2. Surrender after the cooling-off period: If the cooling-off period is exceeded, the policyholder cannot refund the premium in full after applying for surrender. New China Insurance Company will deduct the premium according to the deduction method agreed in the policy.

Chinese Life Insurance Participating Surrenderable Policy. The policyholder can choose to surrender the policy independently, and if you want to surrender the policy, you need to go through the offline counter of the insurance company. Surrender is divided into hesitant rush period and hesitation period or above.

If the policy is surrendered during the hesitation period, the insurance company will deduct the maximum cost of 10 yuan, and the remaining premium will be refunded in full. If the surrender exceeds the cooling-off period, the insurance company will refund the policy based on the cash value of the policy, unreceived dividends and survival benefits. If the hash is a generic account, it's the account value.

After you get the policy and sign the receipt, you still have a 10-day hesitation period, and the company will only deduct 10 yuan from the cost of work during the hesitation period.

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.

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