What should I do if the money surrendered from the life insurance policy is pressed back to the canc

If the insurance company refunds the returned money to the cancelled card, if it has been determined that the bank card has been cancelled, the money cannot be deposited, and the transfer company shows that the payment failed, then the money will be automatically returned to the insurance company.

If the bank card account bound to the life insurance company is cancelled, it is recommended that the customer change his account information as soon as possible. In general, you can directly ask the insurance person to help you change your personal information and provide your bank and ID number. Or you can bring your insurance policy, ID card and bank card directly to the insurance company's counter for business processing, and change the account information to prevent such situations from occurring again and causing unnecessary trouble.

1. What is life insurance?

Life insurance, or life insurance, is a type of insurance that guarantees a person's lifespan. In the event of the death or total disability of the insured within the period agreed in the contract, the insurance company shall pay the insurance benefits according to the agreed insurance amount.

Common benefits in life insurance include Death Benefit, Total Disability Benefit, and Survival Benefit.

2. How to surrender life insurance.

1. First of all, you need to submit an application for surrender at the company's counter, and you must bring the original ID card, the original contract and the original passbook of your bank. After the counter acceptance office is handled, the funds can be received within 3 to 5 working days.

2. If the purchased policy is not more than 10 days, take the original policy and ID card to the insurance company's counter for hesitation period surrender, as long as you pay 10 yuan of the cost of production, you can return all the premiums.

Note: The surrender of the policy during the cooling-off period refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, the insurance company will stipulate that the policyholder will receive the policy for a hesitation period of 10 days, during which the policyholder can fully consider whether the critical illness insurance he has purchased meets his needs, if he is not satisfied, he can terminate the contractual relationship, and the insurance company will usually refund all the premiums paid after deducting the cost of production.

3. If the insurance has been more than ten days, you can only do survival surrender, and a part of the payment will be deducted, and the specific amount of money can be refunded depends on the type of insurance I bought and the payment period.

If the surrender money is transferred to the cancelled card, it will be returned to the insurance company, and you only need to go to the insurance company to change the deposit account number.

The full amount can be refunded when the insurance is surrendered at the expiration date, but it needs to go through certain procedures, including submitting a surrender application, paying late fees, and providing relevant information. This article will introduce the process of surrendering an insurance policy at the end of the policy in detail, and introduce the matters that policyholders should pay attention to during the surrender process.

1. The process of surrendering the insurance at the expiration of the insurance.

1) Submit a surrender application.

2) Pay a late fee.

After the policyholder submits the surrender application, the insurance company will calculate the late fee payable by the policyholder according to the time and duration of the policyholder's application, and the policyholder shall pay the late fee in time after receiving the late fee bill.

3) Submit relevant information.

The policyholder also needs to submit relevant information, including a copy of the policyholder's ID card, the policyholder's property certificate, etc., and the insurance company will review it according to the information provided by the policyholder.

4) After the review is passed, the insurance company will remit the insurance money to the policyholder's account according to the bank account provided by the policyholder, and the policyholder can inquire about the surrender amount.

2. Matters to be paid attention to in the process of surrender.

1) When submitting the surrender application, the policyholder should pay attention to the time and submit the application as far in advance as possible to avoid delaying the surrender time.

2) When submitting the information, the policyholder should pay attention to the accuracy of the information and ensure the authenticity of the information, so as not to affect the review of the surrender.

3) The policyholder should pay the late fee in time after receiving the late fee bill to avoid delaying the surrender time.

4) After receiving the surrender amount, the policyholder should confirm it in time to avoid unnecessary losses.

The full amount can be refunded when the insurance is surrendered at the expiration of the policy, but it needs to go through certain procedures, including submitting the surrender application, paying the late fee, providing relevant information, etc., and the policyholder should pay attention to the matters in the surrender process, including the time of submitting the application, the accuracy of the information, the payment of late fees, and the confirmation of the surrender amount. Only by grasping these details can we ensure the smooth process of surrender and obtain the full surrender benefit.

Contact the insurance company directly, but if you are insured more than that.

After 15 days, your loss will be great, and you will not return the full amount.

For you, you have to be prepared.

Inquire with your insurance company.

Please read the terms of the insurance policy carefully and there are surrender instructions.

Insurance is actually very protective for our people, many people understand some of the advantages and functions of insurance, so there are many insurance companies in life that are particularly concerned, such as life insurance, people's insurance, talent insurance, Chinese life, etc., these are very good insurance investment direction, for life insurance may be better understood, if the surrender will deduct money, this issue and talk to you.

1. Life insurance.

Life insurance is a kind of life insurance, it is based on the life of the insurer as the subject of insurance, and the life or death of the insured as the condition of payment of life insurance and all insurance business, the insured will transfer the risk to the insurer to accept the terms of the insurer and pay the insurance premium, unlike other insurance, life insurance is to pass on the risk of the survival and death of the insured, the reason why life insurance exists is to protect the risk of the people, to ensure that the people have the corresponding amount of compensation after the accident, So it's still very good. <>

2. Life insurance application process.

Life insurance, his insurance qualification process is very advantageous, so now the policyholder and the insured must be qualified to be able to insure, with the qualification to follow the corresponding process for insurance, if it is determined, you can put your personal identity information, and then the company application form is ready, after filling it out, it will be directly handed over to the company's corresponding unit, after handing it over to them, it will confirm your insurance bid, which can take effect on the same day of insurance, or very good. <>

3. Is there a deduction for life insurance surrender?

In fact, life insurance is the same as general insurance, no matter when you surrender the policy, you will definitely deduct a part of the amount will be lost, there is no insurance can be fully refunded, some of the money that is fixed and stored in the insurance company can not be refunded, only a part of the money can be refunded, so everyone should pay attention to these problems, life insurance surrender will definitely deduct money, will lose part of the funds.

When you surrender the policy, you will definitely deduct the money, and it should be that part of the renewal fee and other expenses will be deducted, and if you want to surrender the policy, it is definitely impossible to refund it in full.

Yes, if you surrender the policy, you will not be refunded all the premiums, a part of the funds will be deducted, and not all of them will be refunded to you, and you will be refunded less than part of the premiums.

If you have already bought insurance and want to return it now, it may deduct money, but it will not deduct the whole money, it will deduct a little.

Maybe, there may be some liquidated damages in the contract you signed, and a part of your money will be deducted when you return the money.

Yes, if you have just bought the insurance for a short time, and you are still in the hesitation period, you will only deduct a cost if you surrender the policy, if it has exceeded the hesitation period, then you will generally not surrender the policy, and you can only wait for a period of time before applying for surrender.

The specific process of surrender is roughly as follows:

1) Contact the customer service sales staff of the insurance company and ask if the insurance you purchased can be surrendered and how to surrender it.

2) According to the instructions of the customer service sales staff, prepare the relevant information required for surrender.

3) Fill in the surrender form.

4) Submit the surrender application and surrender-related materials to the insurance company and wait for review.

5) After the review is passed, the insurance company will refund the corresponding amount according to the contract.

There are two scenarios for surrender of the policy:

1. Surrender the policy during the hesitation periodIn fact, insurance companies also have consumer-friendly settings, consumers usually have a hesitation period when buying insurance, about 10-15 days, surrender during the hesitation period, and the insurance company has no reason to surrender the policy in full (generally deducting the cost of production).

2. Surrender after the cooling-off periodAfter the cooling-off period, if you want to surrender the policy, then there will be a certain amount of financial loss, because the insurance contract stipulates that after the cooling-off period, the surrender of the policy can only refund the corresponding cash value.

Recently, I have seen that critical illness insurance accounts for a large part of the surrender of insurance, and it is also normal, critical illness insurance is too complicated, and it is inevitable that the products you buy will feel bad later, in order to help you stay away from the idea of surrender, I will pick out a list of you will not want to surrender:"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

How to surrender the policy? There are two forms: online surrender and offline surrender.

(1) Online surrender

An analysis is provided:Is it reliable to buy insurance online? What is the difference between online and offline insurance? 》

(2) Offline surrender

Offline surrender is generally this process:

You can consult the surrender location and bring all the information, so that you can go to the application at one time. The insurance company cannot refuse the policyholder's surrender application, but the surrender has a certain loss, and the cash value is returned, so you must be mentally prepared. The insurance company will refund the cash value of the contract within 30 days from the date of receipt of the insurance contract termination application from the date of receipt of the insurance contract termination application.

If you have already made the decision to surrender the policy, it is better to pay attention to this: it is better to surrender the old policy after the new policy has been in effect, so as to ensure that the protection will not be broken, which is a major point.

Hello, relatively speaking, surrendering after the cooling-off period is a little more troublesome, but it is not impossible. You need to think carefully about whether the insurance salesman deliberately induced you in the process of selling insurance, whether the signature on the policy was signed by the insured himself, whether he clearly stated the terms of the insurance, if you feel in doubt or feel that there is a pitfall, you can apply to the insurance company for a full claim, of course, you must come up with some evidence, such as mobile phone recordings or proof of signature, etc.

If the policyholder wants to surrender the policy, notify his insurer as soon as possible, and he can surrender the policy after filling out the surrender application. If the insured wants to surrender the policy, then a letter of consent from the policyholder is also required at the time of surrender, otherwise it will not be processed; If you entrust someone else to handle the surrender of the policy, you need a power of attorney and the principal's ID card (no matter what the case is, you need to bring the insurance contract and proof of the last payment when you surrender the policy).

There are generally two stages of surrender, surrender during the cooling-off period and surrender after the cooling-off period. There is generally no loss when the policy is surrendered during the cooling-off period, and only the cash value of the policy can be refunded after the cooling-off period.

Surrender can be divided into hesitation period surrender and normal surrender. If the policy is surrendered during the cooling-off period, the policy will usually be surrendered in full after deducting the cost of 10 yuan, but some products will be marked with no deduction. Surrender after the hesitation period is a normal surrender, and the deduction standard is calculated according to the cash value table, and the general surrender is about 20%-30%, or it may reach 50%-80%, and the loss is large.

What kind of insurance can I get back? If you have life insurance, you can go directly to the counter to surrender the policy, bring your ID card, and the policy contract.

Some insurances can be refunded, some cannot, which requires consultation with the insurance company.

3. The surrenderer shall go to the insurance company to collect the insurance premium that should be refunded with the surrender approval form and ID card.

If you want to refund, refund in full.

I did not receive any before I retreated

If you need to surrender the policy in full, you can talk to me.

Xueba talks about insurance, focusing on insurance evaluation! Don't be sloppy when buying critical illness insurance, choose carefully, don't buy the wrong one and regret wanting to surrender the insurance in the end, which will cause economic lossesTop 10 [Not Worth Buying] Critical Illness Insurance Points!

The insurance can be refunded, but if the cooling-off period has passed, the refund will be based on the cash value of the policy and the full premium will not be refunded.

Some people don't like to do their homework before buying insurance, so they buy it randomly, but then they want to surrender the insurance for various reasons. If you surrender the policy, don't be careless, before surrendering, 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.

Surrender often results in a certain amount of financial loss, except for these two cases:

1.Cooling-off period surrender:After we buy the insurance, the 10-15 days from the signing of the contract is usually the hesitation period, if we surrender the policy during this time period, there is basically no problem with the full refund of the premium;

2.Sales misleading:If the salesman misleads when buying insurance, resulting in a signature on the insurance contract that is not signed by the person, it is possible to refund the entire premium.

If it is not in these two cases, there will be a certain degree of loss, and it is important to reduce the amount of money that can be reduced, such as the option to pay it 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.

This will be much more cost-effective than surrendering, but not all products can do this, and you need to check with the insurance company to know if you can handle it this way.

In addition,There are several situations to pay attention to when surrendering the policy:

2.Health Status:If you are not in good health, it is very likely that the health notice of the new insurance will not be approved, and we generally do not recommend surrendering the policy in this case.

3.Payment card balance:If you have already decided to surrender the policy, it is best to take the money from the bank card where you paid the premium, so that there will be no situation where you have applied for a surrender but have been deducted when the payment period comes.