I bought the insurance and now I want to get 40 back

What kind of insurance do you have? You must know that if the insurance is not paid and refunded, your loss will be very large. If the insurance you bought is more suitable for you, don't return it.

If you retire now and want to buy another one in the future, you may have physical problems and cannot be covered, and the other one will become more expensive as you get older. Insurance is a necessity for everyone, in fact, whether you pay the premium or not, you have already insured, the difference is whether you are insured with the insurance company or to your own wallet, when the risk occurs with the insurance company, the insurance company will pay; Insure your own wallet and pay yourself in the event of a risk. I really need one.

3. 500,000 yuan, do you think it is easy for the insurance company to pay for it, or is it easier for you to pay for yourself?

If your insurance is still in the cooling-off period, you can surrender it for free. If it has passed, you need to pay a certain cost of protection, so you can only surrender the policy according to the cash value. However, why should you surrender the policy?

You can return within 10 days of signing the contract, and hurry up if you have time. If you don't have time, you will lose a lot of money, usually 40%-60%. If it is about to expire, it will expire, after all, surrender is a unilateral breach of contract, which is very hurtful.

If you can get it back within the 10-day hesitation period, you won't get a penny back. If this period is exceeded, it will be a big loss, so if you can pay the insurance premium, you should pay it.

The insurance you just bought can be refunded, but the consumer loses the cost of the insurance contract, and there is no loss of other expenses.

1.For the insurance contract for the carriage of goods and the insurance contract for the carriage of **, the consumer cannot cancel the contract after the insurance liability has begun. The suspension period of each insurance company is different, and consumers must use the specific regulations of the insurance company as the benchmark.

2.If you cancel your contract within the 10-day suspension period and there is no loss, the insurance company will refund the full amount of your premium. If the cancellation has been suspended for more than 10 days, if you apply for cancellation, it is a breach of the insurance contract and you can deduct the liquidated damages.

Generally, 70% of the insurance premium is paid as a penalty for the first year.

3.Termination is the termination of a certificate of insurance. After the insurance contract is signed, both parties can terminate the contract in accordance with the provisions of the agreement or national law.

In many inhumane forms of life insurance, generally speaking, before the expiration of the contract, unreasonable damage will be made to the terms of the termination of the insurance contract in order to protect their respective interests.

OK. The insurance is refundable.

Among them, the surrender is mainly divided into two situations: surrender during the hesitation period and normal surrender, as follows:

The "cooling-off period" refers to the period of time that the insurance company gives the policyholder hesitation, and the "cooling-off period" is a period of time within 10 days from the date of receipt and written receipt of the insurance policy by the policyholder. Normally, the premium can be refunded in full if the policy is surrendered during the cooling-off period.

Surrender beyond the cooling-off period is considered a normal surrender. Normal surrender requires the policyholder to submit an application to the insurance company for termination, and the insurance company will refund the cash value of the policy within a certain period of time after receiving the application.

Further information: Cancellation of insurance is the cancellation of an insurance policy. After the insurance contract is signed, the parties may terminate the contract by agreement or in accordance with the laws and regulations of the country.

In most forms of non-life term insurance policies, there is generally a clause for cancellation of the insurance policy, which sets out the conditions under which either party may cancel the insurance policy before it expires, so as to protect their respective interests from unreasonable prejudice caused by the termination of the insurance contract.

The clause generally provides that either party to the contract must give notice to the other party within a certain period of time before the cancellation is requested, and the insurance contract will not lapse until the end of the period.

After the cancellation of the policy, the corresponding insurance premium must be refunded. If the policy is not in force, the insured can in principle recover the full premium, but the insurer is also entitled to charge a minimum premium, or a handling fee. If the insured cancels the insurance policy in the middle of the validity period of the insurance policy, the insurance premium shall be paid at the prescribed rate, and the insurer shall refund the balance of all insurance premiums after deducting the insurance premiums payable to the insured; If the insurer requests cancellation of the insurance policy, the unexpired portion of the premium shall be refunded to the insured on a daily basis.

It refers to the act of either party to the contract announcing (or requesting) the termination of the insurance contract and the cancellation of the insurance policy during the validity period of the policy.

In general, a non-life term insurance policy contains a clause for terminating the insurance contract, which stipulates the conditions for either party to cancel the insurance policy before it expires, so as to protect their interests from being damaged by the continuation of the insurance contract. The corresponding premium shall be refunded upon surrender of the policy. If the policy is surrendered before it becomes effective, the insured can in principle recover the entire premium, but the insurer is also entitled to receive a minimum premium.

If the insurer requests to terminate the contract, the unexpired premium shall be calculated on a daily basis and refunded to the insured.

You can apply for a surrender policy.

However, it should be noted that there will be no premium loss except for surrender during the cooling-off period, and there will also be a certain loss of premium if the policy is surrendered beyond the cooling-off period.

Surrender the policy in the following ways:

2) To prepare the surrender materials, it is generally necessary to prepare the application for termination of the insurance contract, the premium payment certificate, the insurance policy, and the ID card of the insured. Among them, the application for termination of the insurance contract can generally be filled in on the official ** of the insurance company**, or it can be filled in at the insurance company's outlets;

3) The staff of the insurance company shall go through the surrender procedures at the offline service outlets of the insurance company with the surrender materials, assist in the surrender of the policy, generally recover the policy, and return the surrender money to the policyholder within the agreed time.

Offline insurance policies can also be provided by policy service personnel**.

If the insurance product is purchased online, you can surrender the insurance directly through the online purchase channel.

I can return it. 1. However, when to retreat, the results vary greatly. If the policy is surrendered within the cooling-off period, the insurance company can refund the full amount and there is no loss to the policyholder. /

2. Generally, the insurance company will take 10-20 days from the date of signing the contract as the hesitation period, which is similar to the "7-day no reason to return" of **.

1. Surrender of insurance contracts.

There are two types of insurance contract surrender. Cooling-off period (the act of surrendering the policy about 10 days after receiving the insurance policy) and normal surrender (the surrender of the policy beyond the specified cooling-off period). If the policy is surrendered during the cooling-off period, the insurance company will refund the entire premium to the policyholder after deducting some normal production costs or labor costs.

2. Sue the insurance company for a refund of the premium.

There are two ways to terminate the insurance contract and surrender the policy:

1. Surrender during the hesitation period: The general insurance company will have a hesitation period, and the hesitation period is within ten days of the policyholder getting the policy, and within these ten days, the policyholder applies for surrender, and the insurance company will usually refund all the premiums after deducting the cost of production.

2. Normal surrender: Normal surrender refers to the surrender beyond the hesitation period, before the policyholder submits the surrender, the policy needs to be completed for one year, the policyholder directly to the insurance company to submit a surrender application, and the insurance company will refund the cash value of the policy within 30 days from the date of receiving the application.

3. Can I get a refund if I don't pay the insurance halfway?

The amount that can be refunded at the end of the insurance is the cash value, and the exact amount of refund depends on the insurance you have purchased. The "cooling-off period" refers to the policyholder's return to the insurer and the cancellation of the insurance contract within 10 days after receiving the insurance contract (15 days for the bancassurance channel) if the policyholder does not agree with the content of the insurance contract. During this period, the insurer agrees to the policyholder's application, cancels the contract and refunds all the premiums collected.

If it has been paid for a period of time, the surrender of the policy can only get the cash value of the policy, and the so-called cash value of the policy refers to the value of the life insurance policy with the nature of savings. Insurers usually set aside liability reserves for the performance of contractual obligations, and if you surrender the policy in the middle of the policy, the liability reserve of the policy will be used as a refund for the payment of termination. The amount that should be reimbursed by the life insurance company when the insured requests to terminate or surrender the policy.

Insurance Law of the People's Republic of China

Article 1 This law is enacted in order to regulate insurance activities, protect the legitimate rights and interests of the parties involved in insurance activities, strengthen supervision and management of the insurance industry, safeguard social and economic order and social public interests, and promote the healthy development of the insurance industry.

Article 2 The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating the insurance money for the property losses caused by the occurrence of an accident that may occur as agreed in the contract, or bears the responsibility for paying the insurance money when the insured dies, is disabled, or is sick, or when the insured reaches the age and time limit agreed in the contract.

1. Submit a surrender application. The surrenderer should collect and truthfully fill in the surrender application form, explain the reason for surrender and when the surrender began, sign or seal it, and submit the application form to the business management department of the insurance company.

2. Prepare surrender materials. The surrenderer should start to prepare the surrender materials stipulated by the insurance company, including: his ID card, insurance policy, etc. However, there is a slight difference in the information required for surrender during the cooling-off period and after the cooling-off period.

3. Go through the surrender procedures. The surrenderer should bring the surrender materials to the counter of the insurance company to go through the relevant surrender procedures, and fill in the relevant information according to the prompts of the staff to complete the processing. If you pass the review, you can receive the surrender benefit.

If you buy the wrong insurance and plan to surrender the policy, you can handle the surrender under the requirements of the insurance company, you can follow the above process, and the insurance you purchased will bear a certain economic loss after the hesitation period. Therefore, it is best to think carefully before surrendering the policy, and the general hesitation period is 10 days.

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