Pay 6000 per year and pay 4 years to surrender?

There are two types of surrender: cooling-off period.

Surrender the entire premium directly and surrender the policy cash value after the cooling-off period.

There are two types of surrender. 1.Surrender during the cooling-off period is relatively simple.

We surrender the policy within the 10-day cooling-off period agreed in the contract, and the insurance company directly surrenders the entire premium after deducting the insurance cost. There is almost no loss on surrender during the cooling-off period. We decided to surrender in time.

The cooling-off period is set up to give the policyholder some time to think about it, so that the insurance is not suitable for him because of the misleading sales of the moment. 2.Surrender after the cooling-off period is defined as normal surrender.

If we surrender the policy, the insurance company will generally refund the cash value of the policy within 30 days and terminate the insurance contract according to the terms. But in the first few years of the policy, the cash value will be low, and there will often be a premium of several thousand dollars a year, but the cash value in the first few years will only be a few hundred dollars. Therefore, after the cooling-off period, the loss of surrender will be greater.

Second, you need to pay attention to surrender when surrendering the policy, which is a trade-off choice. It is necessary to pay attention to the various problems caused by the surrender of the policy, plan well in advance, and try to minimize the impact of the surrender. After surrendering the policy, you will not only lose the premiums you have paid, but also lead to the loss of the original protection system, so you still need to think twice.

If you have bought the wrong insurance, or if you have a better option, you should also pay attention to the following points when surrendering your policy:1. Make sure that the insurance company doesn't continue to pay early because there are no further charges.

To ensure that no further charges are made, you can change the bank from which the money was charged or make sure there is no balance in your bank account. 2.Make the most of the 60-day grace period.

The grace period of the insurance contract refers to the grace period granted by the insurance company to the insured who fails to pay the renewal premium on time. Insurance.

A grace period of 60 days is provided. During the grace period, the insurance contract remains valid even if the renewal premium is not paid. If an insured event occurs during this period, the insurance company is still liable for the insurance, but the unpaid premiums should be deducted from the amount paid.

However, after the 60-day grace period, if the policyholder has not paid the renewal premium in full, the insurance contract will be terminated. After the insurance is suspended, it can only be reinstated if it is restored. After the suspension, the general insurance company will ask for a new health notice.

Therefore, if you surrender the policy, you can wait for the 60-day grace period before surrendering the policy, so that you can enjoy a longer coverage period. 3.Apply for insurance in advance to shorten the coverage gap.

After we decide to surrender the policy, we must return the old product after the waiting period has expired. Many insurance plans will have a waiting period, so it is important to make a new protection plan in advance to leave as few gaps as possible to ensure a seamless transition. Therefore, you must re-insure the insurance that is really cost-effective and suitable for you in the shortest possible time.

Three. Summary: You must think twice, calculate and think clearly according to your actual situation, and make a follow-up plan, so as to give yourself better surrender protection.

What a coincidence. Just a few days ago, my mother went to Chinese's birthday.

Annuity insurance was refunded.

She bought it for three years, paid 6,000 a year, and returned a total of 12,000. Of course, every company has different types of insurance. You can view the cash value portion of your paper or electronic policy. Hope this helps.

After the cooling-off period, you will lose more if you surrender the policy. Second, we need to pay attention to the fact that surrender is a trade-off choice, we need to pay attention to the various problems caused by surrender, plan in advance, and try to minimize the impact of surrender. After surrendering the policy, it will not only lose the premiums paid, but also lead to the loss of the original protection system, so it is still necessary to think twice.

If you have bought the wrong insurance, or have a better choice, you should also pay attention to the following points when surrendering the policy:1

To ensure that no further deductions are made, you can change the debiting bank or make sure that there is no balance in your bank account. 2.

The grace period of the insurance contract to make full use of the 60-day grace period refers to the grace period granted by the insurance company to the policyholder for failing to pay the renewal premium on time, and the grace period stipulated in the Insurance Law is 60 days. During the grace period, even if the renewal premium is not paid, the insurance contract remains in force, and if an insured event occurs during this period, the insurance company will still be liable for the insurance, but the outstanding premium will be deducted from the benefit amount. However, after the 60-day grace period, if the policyholder does not pay the renewal premium in full, the insurance contract will be terminated.

After the insurance is suspended, it will only be reinstated if the reinstatement is filed. However, if you apply for reinstatement after suspension, the insurance company will generally require you to re-inform yourself. Therefore, if you surrender the policy, you can wait for the 60-day grace period before refunding, so that you can enjoy a longer coverage period.

3.After we decide to surrender the policy, we must not surrender the old product after the waiting period of the new product. Many insurance plans will have a waiting period, so it is necessary to make a new protection plan in advance, and try to leave as little protection gap as possible, so that the protection can be seamlessly connected. Therefore, it is important to re-in-apply for insurance that is truly cost-effective and suitable for you in the shortest possible time.

3. Summary: We must think twice before acting, combine our actual situation, calculate clearly, think clearly, and do a good job in follow-up planning, so that we can give ourselves better protection.

Summary. Kiss. Hello, happy to answer this question for you. If you pay 6000 per year, you pay for four years and surrender the policy. Then your insurance can only refund 4,000 yuan to 5,000 yuan.

Kiss. Hello Tempus, I'm glad to answer this question for you. If you pay 6,000 per crack per year, you pay the insurance for four years. What about the sail type, your insurance can only return 4,000 yuan to 5,000 yuan.

If you buy the insurance, you don't want to continue to pay this insurance, and you have to withdraw the insurance after four years. During this cruise, you will be refunded according to the cash value of the fourth year.

And the value of the current brother sail gold in this fourth year is particularly small. That's just 20 to 30% of the premium you pay. In this case, you can return 4,000 yuan or 5,000 yuan when you surrender the policy.

Therefore, surrender is a particularly lossy behavior.

But now there is really no money to continue to pay Mori Sakura's insurance. In this case, you can choose to surrender the policy in the right year with a large cash value, and the loss will be smaller.

However, if you have already paid the premium period stipulated by the high travel standard, for example, you have only paid this insurance for three years, and now your premium has been paid, if you are planting this spring, you should not surrender the policy in the fourth year.

You can wait for the insurance company to return the principal and income, otherwise, your surrender loss will be very large.

Summary. There is a loss in surrendering, if this insurance is a wealth management product, the loss is relatively small, and it has been paid for 4 years, and if the payment period is 5 years, you can get back about 15,000.

[Insurance information inquiry is very time-consuming, your problem is normal after ten minutes, please wait for ...... with patienceI have seven years of experience in the insurance industry, and I am familiar with the products of various insurance companies, and I definitely have the answer that satisfies you

There is a loss in surrendering, if this insurance is a financial management product, the loss is relatively small, and the key to the Tan Huai is 4 years, and if the payment period is 5 years, you can take about 15,000 to let your friends back.

If the payment period is 10 years, you can probably get back about 12,000.

If it is a protection product, it is already very good to get back 3,000 yuan if you pay for 4 years.

All of the above figures are based on the experience of insurance practitioners. The specific data requires you to open the policy to check the cash value, find the 4th year of the policy, and you can see the number of large amounts of money you get back when you surrender the policy.

Dear The above is mine, I hope to help you with the ear ulnar skin. If there are no other commercial insurance-related questions, please give a 5-star praise after the conversation is over, thank you.

Summary. Surrender conditions: 1. The policy is still within the protection period, that is, the insurance purchased by the policyholder is still in the protection period, and the insurance company is still providing protection responsibilities for the insured, at this time, the policyholder can apply for surrender at any time.

2. If the policy does not have a claim, many people may not understand that there is no claim, so we will say the other way around, the policy that has occurred is that the insurance company has given the insurance money to the policyholder in accordance with the agreement, even if the policy is still valid, the insured still enjoys the protection responsibility, at this time, the policyholder can not apply for surrender, even if the application insurance company will not accept it.

Pay 6000 per year and pay 4 years to surrender?

If there is a regret and want to surrender, as long as the socks are met under the premise of surrender, you can apply to the insurance company for surrender. <>

<> surrender conditions: 1. The policy is still within the protection period, that is, the insurance purchased by the policyholder is still in the protection period, and the insurance company is still providing protection responsibilities for the insured. 2. If the policy does not make a claim, many people may not understand that there is no claim, so we will say the other way around, the policy that has occurred is that the insurance company has given the insurance money to the policyholder in accordance with the agreement, even if the policy is still valid, the insured still enjoys the protection responsibility, at this time, the policyholder is not allowed to apply for surrender, even if the application insurance company is not easy to accept.

In short, whether the policyholder of Jian Songbi can apply for surrender of the insurance can only be <> the insurance company can apply for surrender as long as the above two circumstances are met

<> a policy only has the premium payment fee and payment time, and there is no time to determine the surrender amount, of course, if you want to know, you can directly consult your own insurance company, or open your own policy, generally there will be an explanation in the policy.

In general, after the hesitation period is exceeded, the insurance company will charge a certain percentage of the handling fee according to the actual situation, and after deducting the handling fee, the remaining is the surrender of the policy, and the policyholder can get back the cost; Therefore, after four years of payment, as long as you open the policy and find the cash value table, which corresponds to the cash value of the four years of payment, you can know the cost that can be returned by surrendering the policy.

Hope it helps! Kiss.

Have any questions you can answer?

You are very happy to answer for you, pay seven years of insurance, surrender about 30,000-35,000 yuan. The surrender amount of Ping An Fu is only the cash value, and you can take out the cash value table at the back of the policy to check the cash value of the surrender in the 7th year, which is basically the amount that can be refunded. Surrendering the policy in the middle of the policy is relatively loss, and the loss is relatively large, so it should be carefully considered.

If you are sure to surrender the policy, the applicant can bring your ID card, insurance policy, payment voucher and application form to the business hall of the insurance company.

Summary. It is recommended that you do not surrender the policy. Insurance is covered with an insurance contract that details the number of years and the amount of money you will have to pay.

If you surrender the policy, it is equivalent to a breach of the insurance contract, which is a breach of contract. Therefore, after surrendering the policy, the full amount you paid on the previous exchange will not be returned to your account. Pay the fee for four years, 6000 per year.

This is equivalent to 24,000 yuan that you have already paid. But if you surrender the policy, they may only refund you a few hundred or a few thousand. It depends on the specific insurance company and the provisions in your insurance contract.

However, the amount refunded is much less than the amount you paid. Therefore, it is not recommended to surrender the policy. Under the general recession of the epidemic, there are many places that need money, this money is not a small amount, and the surrender plan of the insurance company makes people feel annoying.

If you encounter a problem, I think it is better to consider it through other aspects and try not to surrender the policy.

It is recommended that you do not surrender the policy. Insurance is covered with an insurance contract that details the number of years and the amount of money you will have to pay. If you surrender the policy, it is equivalent to a breach of the insurance contract, which is a breach of contract.

Therefore, after surrendering the policy, the full amount you paid on the previous exchange will not be returned to your account. Pay the fee for four years, 6000 per year. This is equivalent to 24,000 yuan that you have already paid.

But if you surrender the policy, they may only refund you a few hundred or a few thousand. It depends on the specific insurance company and the provisions in your insurance contract. However, the amount refunded is much less than the amount you paid.

Therefore, it is not recommended to surrender the policy. Under the general recession of the epidemic, there are many places that need money, and this money is not a small amount, and the surrender plan of the insurance company makes people feel annoying. If you encounter a problem, I think you have to think about it through other aspects and try not to surrender the policy.

Can you elaborate on that a little bit more?

How much can I get back if I pay 6000 per year and surrender the policy for 4 years? If the premium has been paid for 4 years and the hesitation period of the policy has already passed, the insurance company will not refund the premium paid by the policyholder, but will refund the cash value of the policy in the year of surrender. Protecting insurance products have a low cash value and a full growth rate, so they will face a large financial loss when the policy is surrendered in the fourth year of the policy.

Financial insurance is relatively better, and the cash value of some products may exceed the premium paid in the fourth year of the policy, realizing the return on principal. The following is a specific product: 1. If a 30-year-old male is insured with a 30-year-old male insurance with an insurance amount of 300,000 yuan, the premium will be paid for 30 years, including basic liability + death liability, the annual premium will be 6,003 yuan, and the cumulative amount will be 180,090 yuan, and its cash value will be as follows:

If the policy is surrendered in the fourth year, the insurance company can only refund 3,606 yuan, and the premium of 24,012 yuan has been paid, which means that it will cause an economic loss of 20,406 yuan.