If I buy insurance and want to return it, how much can I get back? It is the Chinese life

If it is within 10 days, the surrender only needs a handling fee of 10 yuan, and the surrender of more than 10 days depends on what type of insurance, you can find out in the "cash value table" in the policy, how much handling fee will be deducted for surrender in the first year, the highest 80% of the premium for the mouth, that is, you can only return 20%, and some of the participating insurance can be returned a little higher, but in general, there will be a lot of loss in the first year of surrender.

That is more than 10 days, and the surrender fee will be calculated based on the first year of surrender.

Do you get your insurance contract?

If you get it, take a look, there should be a customer retention link behind, look at the date on it, if it has not exceeded ten days, go to the insurance company to push it out within ten days. This only loses 10 yuan in production costs.

If the 10-day hesitation period has passed, if you return it again, you can return about 30%. There is a cash value table at the back of the reinsurance contract, which should be about the same if you look at it roughly.

If you really don't want this insurance, it is recommended to make a reduction to pay off, only pay this year's money, if an accident occurs in the future, the claim will definitely be more than the 3,000 yuan you pay.

It is recommended that the next time you choose insurance, think carefully in advance, and buy it if you really need it.

If the purchase is not older than 10 days, it can be refunded in full. If it has been more than 10 days, it will be refunded by about half at most

I'm sorry, it's been a 10-day hesitation period, and I don't know how much I will refund, but it's definitely not much, and if you have to refund it, you won't be able to get most of the premiums back

You can get a refund, but it will deduct your short-term rate, as for how much? It depends on how long you've been buying this insurance.

It can be refunded, but more than half of the deduction is necessary.

Call 95519 and ask to find out.

I have purchased Chinese life insurance, and now I want to cancel the insurance, whether I can cancel the insurance in full, but also depends on the time of purchasing the insurance, if it is within the hesitation period of 15 days, it can be refunded in full, if it has been out of the hesitation period, it cannot be fully refunded.

Mr. Zhang bought Chinese life insurance under the introduction of a friend, and Mr. Zhang did not have many choices at that time, only listening to his friend introduce how good this insurance was, and because of his friend's face, Mr. Zhang bought this insurance. After returning home, I told my family about buying insurance, and my family felt that the insurance that Mr. Zhang bought was not suitable and wanted Mr. Zhang to return it, so Mr. Zhang took the policy to the insurance company and decided to surrender it. The staff of the insurance company told Mr. Zhang that 10-15 days after signing the insurance contract is the hesitation period given by the insurance company to the policyholder, and if the policyholder does not want to buy it, he can apply for surrender during this period, and he needs to deduct the cost of 10 yuan, and then get a full refund.

If you want to surrender the policy after this hesitation period, you can't get a full refund, then it is a normal surrender, usually you can only return the cash value of the policy, how much is this cash value, when you sign the contract, there is an additional cash value table on the policy that can be compared. In fact, in addition to the full surrender of the policy during the cooling-off period, you want to surrender the policy in full unless these two situations are the case.

The insurance contract not signed by the person, when writing the receipt or filling in the policy, the place that needs to be signed is not signed by the person, but signed by someone else, although this situation is not much, but it may also lead to the salesman who is not familiar with the business process, and this situation can apply for full surrender. There is also a situation of illegal operation, customer service in the process of insurance, the insurance salesman has illegal operations, such as the above-mentioned problem of signing, and then for example, the salesman induces the customer to insure the insurance, and the product is not consistent with the policy when introducing the product to the customer, which requires evidence to apply for full surrender.

Surrender means that when the insurance contract is not fully performed, upon the application of the policyholder and the consent of the insurance company, the legal relationship determined by the contract between the two parties is terminated, and the insurance company refunds the current price of the insurance policy.

To put it simply, surrender = breach of contract, the insurance money has not been paid, but I don't want to continue to pay halfway, because we originally signed the contract, I don't pay now is a unilateral breach of contract, the insurance company will charge "liquidated damages", and then return the rest of the money to me.

When the insurance is surrendered, we usually face two situations, one is the hesitation period to surrender the policy, and the other is to surrender the policy normally.

1. Surrender during the hesitation period.

The hesitation period of insurance is generally 10 days to 15 days, and the hesitation period is relatively simple, we surrender the policy within the hesitation period agreed in the contract, and the insurance company directly surrenders all the premiums after deducting the cost of production. Surrender during the cooling-off period with little to no loss.

2. Normal surrender.

Surrender beyond the cooling-off period will be regarded as normal surrender. In this case, if we apply for surrender, the insurance company will generally refund the current price of the policy within 30 days and terminate the insurance contract according to the terms and conditions.

Therefore, if you surrender the policy after the cooling-off period, there will be a greater economic loss. Therefore, it is important to buy a suitable insurance policy for yourself to avoid unnecessary losses.

Depending on the situation, if the contract stipulates that a refund cannot be made, the contract can only be complied with, otherwise it can be refunded in full.

Generally, if the policy is surrendered within the cooling-off period, the policy can be surrendered in full.

Article 47 of the Insurance Law provides that "if the policyholder terminates the contract, the insurer shall, within 30 days from the date of receipt of the notice of termination, return the cash value of the insurance policy in accordance with the contract." ”

Surrender is divided into surrender during the cooling-off period and surrender after the cooling-off period, which you have paid for 13 years, which belongs to the surrender after the cooling-off period.

To apply for termination of this contract after the cooling-off period, you need to fill in the application form for termination of the insurance contract and provide the following proof and information: (1) this insurance contract; (2) Your valid ID. This contract shall cease to be effective when the insurance company receives the application for termination of the insurance contract.

The insurance company shall refund the cash value of this contract to you within 30 days from the date of receipt of the above proof and information. You may suffer a certain loss if you terminate the contract after the cooling-off period.

If you surrender the insurance in the middle of buying insurance, the loss is relatively large, and generally speaking, the money refunded is less than the money paid. So it is advisable to think twice. Before surrendering the policy, you can take a closer look at whether there are any of the following three situations, if so, congratulations, you can surrender the policy with zero loss.

1. "Signature" surrender.

If the receipt of the policy, the insurance policy, the insurance reminder, and the risk reminder are not copied by you, or the signature of the insured is not signed by you, you can apply for the policy to be invalid, and you can also get a full refund at this time.

2. Return visit** to answer abnormal surrender.

If we apply for long-term insurance (such as critical illness insurance), we will generally receive a return visit**, if we do not receive a return visit**, or if we do not answer in person, or if we do not prompt the relevant risks during the return visit, we can apply for full surrender.

3. "Misleading sales" surrender.

There is also a way to apply for full surrender is that the person who sells your insurance is misleading, such as exaggerating the protection responsibility or income of the insurance product, such as concealing the uncertainty of the income of the participating insurance, universal insurance and the insured product, and concealing the information in the clause, etc., in the case of misleading sales, the loss can also be applied for full surrender.

If you can't surrender the policy with zero loss, it is recommended that you weigh the pros and cons of surrendering, whether to pay for another 7 years to enjoy lifetime protection, or return the cash value without protection.

Finally, don't believe in the surrender of the gray property, claiming that you can surrender the insurance on behalf of you, be careful of being deceived.

The purchased Chinese life insurance can be refunded, but it depends on the time period you buy the insurance surrender will reduce the loss, if you surrender within the 15-day hesitation period, the premium will not suffer any loss, if the hesitation period surrender premium will suffer a great loss, surrender to bring the original ID card and policy contract to the local Chinese Life business hall to find staff to apply for surrender!