Surrender insurance has a feeling of applying for insurance, whether you have bought protection or a

On the date you sign the contract, you will personally enjoy the relevant protection of the insurance, so the insurance company has to deduct the cost of protection, the company's employees also need salaries, and the company also bears the risk. There are also policyholders who have something that happens since the first year of insurance, and the insurance company will of course pay according to the life insurance, and the general life insurance is about 100,000. Insurance is a long-term investment, and there is no benefit in the short term.

It is impossible to make a profit from doing business in the short term, but long-term investment can not only force your money to be saved, but also get life security. This protection is like an anti-theft door, ensuring personal safety!

Think; The landlord said that if you want to surrender the insurance a few years before you buy the insurance, you still don't mind putting the money into the insurance company, which is really not cost-effective, and you can't even get the capital. If you need money urgently, the current commercial insurance has the function of loans, and the interest rate is much lower than that of the bank. If the next year is tight, the commercial insurance department like social insurance must pay insurance premiums every year, commercial insurance has two years of depression, if you do not pay insurance premiums for two consecutive years, the insurance company will stop the contract, will settle all expenses.

If you have a lot of worries about your life and a lot of uncertainty, I hope you can still consider it.

Actually, what you said is right, once you buy the insurance company's products and you sign the contract, there will be a loss in surrendering the policy.

For example, you bought a piglet from the farm, which was supposed to be raised for a year, but you only raised it for a few days and then sold it. Maybe selling the pig won't get back the ** you just bought.

And insurance is also, especially this kind of financial management, generally there is a protection in it, during which your personal protection is borne by the insurance company for you, although you do not see obvious benefits, at least during that period of time the insurance company has this risk. And you surrender the policy for a short time, and the insurance company puts the money you invested into the big project, and now you take out your part, which also causes losses to the insurance company, so you also have to bear the consequences. So that's quite reasonable.

The benefits of surrender outweigh the losses.

I could see that the landlord was angry.

Regarding the surrender of the policy, there must be a special explanation when you buy the insurance, and there must be a written explanation in the terms.

The protection that the insurance company brings to you does not mean that if you are not out of insurance, they will not pay.

If you go out of business, they say I'll only give you a refund of the premium. What do you do.

When an insurance policy comes into effect, it is a contract with legal significance.

The poor need insurance even more. After 2 years, you can use the insurance policy to borrow money from the insurance company (the interest rate is very low). Insurance is the protection of life.

Insurance companies follow the procedure.

Please think carefully when applying for insurance. It is more important to consider when surrendering the policy.

People in the insurance industry think that the surrender is too stupid and the longer the premium is paid, the higher the cash value.

I really can't see that you've ever been a **person. First: Are you sure you are insured with participating insurance?

Is there any additional function for participating insurance? Second: I feel that all the questions you mentioned should be figured out during the training and study, right?

According to the situation you described, you should be insured with universal insurance, don't you know that there is an initial fee and protection cost before you apply for insurance? Third, the data you provided is inaccurate.

Your share deducted more than 3,000 because you added 9,000 and deducted 5% of the initial fee, if you didn't deduct your money more, it wouldn't be 3,000. As for your lover's share, it may be that you have a lot of additional insurance, and while the protection is comprehensive, of course, you will spend more. Fourth:

If it's a universal insurance, you can get it partially if you have a lot of money. There is no need to surrender the policy at all. Fifth:

Just because you don't have a claim doesn't mean you haven't been covered. It's like if you went to high school for 3 years, but you didn't get into college. At this time, will you ask for a refund of the tuition fee?

Personally, I understand that universal products are suitable for financial management, and it is not suitable to add too many additional insurance) I hope you can have a deeper understanding of insurance.

1. 50% of the initial cost in the first year, plus various management fees, etc., so the surrender is only 30% of the principal.

2. Over time, of course, there are many dividends, of course, there are many deductions, but the principal will be repaid after the expiration period, so that there will be income, and the main thing is protection!

3. According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading the customer in violation of regulations, and the company will terminate the contract!

Universal insurance is something you can't buy.

If you buy universal insurance, you can't surrender it.

The wealth management account of universal insurance is completely incomprehensible to ordinary people.

Only those who have been fooled know that universal insurance is designed to trick people in China.

Universal insurance is not something that ordinary people buy. There are so many omnipotences in the world.

You're buying universal insurance.

There will be. There will be a risk of economic loss in the surrender period, it is good to say that the surrender of the policy during the hesitation period can be refunded or the premium will be returned after deducting the cost of dozens of yuan, but after the hesitation period, the surrender is only the cash value, and generally like medical insurance, critical illness insurance surrender can return the cash value is less, so the surrender needs to be cautious.

In addition to financial loss, surrender has the following effects.

1. The physical health condition after surrender will affect the result of re-insurance.

When buying insurance, the physical health is good, but as we get older, our body may have more small problems or a number of abnormal indicators, at this time, surrender and re-insure, may not be able to pass the health notice can not be insured, even if it can be insured, but can not be underwritten in the standard, it is possible to increase the fee, postponement, and except.

2. The premium will be **.

When we buy some critical illness insurance, medical insurance or life insurance, in addition to considering the economic loss caused by surrender, we should also consider the possibility of re-purchasing insurance premiums, because with age**, it means that the risk of the insured will increase, and the difficulty of buying insurance will increase at this time, and the premiums will become more and more expensive.

3. You can't buy new products.

Enrollment is limited by age, and the age of application is different for different products. With the passage of time, the age has changed after surrendering the policy, and even if you encounter a product that suits you, you will not be able to buy it beyond the insurance age.

4. Have you ever made a claim?

In some insurance health notices, it will not only ask what diseases he has suffered, what symptoms he has at present, what diseases he has at present, but also ask whether the insured has a claim record or a claim rejection record in the past two years. If you have a claim history in the past, then rushing back the old insurance policy can breed a lot of trouble.

5. The waiting period is recalculated.

Wait for the waiver period, during which the insurance company will not pay if the insured is out of insurance. If you surrender the policy and re-insign, the waiting period will be recalculated. The waiting period varies from product to product, with most critical illness and life insurance having a waiting period of 90 days or 180 days, while medical insurance has a waiting period of 30 days.

The best way to avoid the loss caused by surrender is to buy the right insurance at the beginning, so seek the help of relevant professionals before applying for insurance, and with the assistance of professionals, you can get a reasonable insurance portfolio configuration, and you can get professional advice and guidance in the subsequent claim process to avoid claims disputes.

Hope mine is helpful to you.

After signing the insurance contract, you can request a full refund or surrender during the cooling-off period, which is generally 10 days.

1. What should I pay attention to when handling the surrender of the policy?

The following issues should be paid attention to when handling the surrender of the policy:

1.The eligible person to apply for surrender is the policyholder. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money.

2.If the policyholder applies for surrender of the policy, the insurance company will refund the cash value of the policy after receiving the surrender application; If the premium payment is less than two years, the insurer shall refund the remaining part to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

3.The surrenderer is required to provide the following documents when handling the surrender:

1) The application form of the policyholder, if the insured requests to surrender the insurance, the application for surrender of the insurance with the written consent of the policyholder shall be provided;

2) A valid insurance contract and proof of the last payment;

3) Proof of identity of the policyholder;

4) If the application is entrusted to another person, the power of attorney of the policyholder and the ID card of the principal shall be provided.

2. How to surrender the insurance contract if it is lost.

If the customer loses the insurance contract, he can apply to the insurance company to reissue a new one, and the cost of production will generally be charged 10 yuan. If you want to surrender the policy, you will have to apply for a replacement policy.

The specific surrender process is as follows:

1. When the policyholder requests to terminate the contract, he or she shall fill in the application form for termination of the contract and submit the insurance contract and the legal identity certificate of the policyholder.

2. The contract shall be terminated when the insurance company receives the application for termination. If the policyholder requests to terminate the contract within 10 days after signing the insurance policy, the insurance company shall refund all the insurance premiums collected to the policyholder within 30 days from the date of receipt of the application for termination.

3. If the insurer requests to terminate the contract 10 days after signing the insurance policy, the insurance company shall refund to the policyholder the cash value of the contract when the insurance company receives the application for termination.

3. Whether the critical illness insurance is considered the joint property of the husband and wife.

In general, it is joint property.

The personal assets involved in the insurance contract mainly include insurance premiums, dividends of auspicious policies, cash value of surrender, pensions, insurance indemnities and other items.

Unless otherwise agreed by the insurance contract or the husband and wife, in most cases, the insurance premium, policy income, cash value, and pension belong to the joint property of the husband and wife after marriage.

It should be noted that in the event of a claim, the critical illness insurance metal paid is personal property in the nature of compensation for the insured's personal injury.

Article 10 of the Insurance Law.

An insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Introduction: Insurance is a tool for protection, many people want to prevent losses caused by risks by taking insurance, but after buying insurance, if you regret it, can you still succeed in surrendering the insurance?

First, the general situation can be successfully surrendered Now the laws and regulations on insurance are becoming more and more sound, so after buying insurance, if you regret it,Under normal circumstances, the policy can be surrendered。For example, there is a period of time between the effective date of the insurance and the payment of the premium, which will give the purchaser a week to consider, and if he regrets it within this week, he can apply for surrender at any time, so that he can also refund all his premiums. However, if you feel regretful after paying several installments of insurance, you should apply to the corresponding person to surrender the insurance at this time, but you cannot return all the premiums paid at this time.

2. There is a loss in surrender of the policyWhen the insurance is surrendered, the first thing is a monetary loss for the person who pays the insurance. Because when the insurance company surrenders the policy, it will convert its value according to the number of installments that have been paid, usually if you pay less for the number of periods, then the less the converted value, and you may pay tens of thousands of yuan to return less than 1,000 yuan. And these conversion methods have been shown when I signed the insurance contract, so there is nothing to disagree with.

And after the surrender of the policy, there is no protection if there is a problem in the future, because the surrender means that there is no corresponding insurance protection in the current period. The insurance will only protect the policyholder during the payment period, and if there is any problem after the payment, the insurance company will not pay the claim.

Third, choose the corresponding substitute before surrendering the insurance must think of the corresponding alternative, the reason why you buy insurance is because you want to protect your health or property, of course, this protection is only to reduce the loss after the occurrence of the hazard. If you don't choose insurance, can you find a better alternative to achieve similar results? Only if you have thought of a replacement, then the choice of surrendering the policy yourself is wise.

Within three months is the cooling-off period, and a full refund is generally possible, but if it exceeds three months, some handling fees may be deducted.

It can be successful, but it is necessary to charge the corresponding handling fee, which may lose part of the economic gains, so when surrendering the policy, you should consider it carefully.