After paying for eight years, how many percent can be refunded

How many percent can be refunded after eight years of insurance payment, this is really hard to say, each product is different, and the money refunded naturally is different.

Long-term insurance plans generally have a cash value.

The hesitation period passed.

If the policy is surrendered, only the cash value will be refunded.

So, what is the cash value? I've answered in detail here: What does cash value mean? Why is surrender only to the cash value?

Surrender can generally be divided into two situations: hesitation period surrender and normal surrender

1. Surrender the policy during the hesitation period.

The cooling-off period refers to 10-15 days after the application is successful, during which you can surrender the policy and you can get a full refund of the premium you paid, basically no loss.

2. Normal surrender.

It is to surrender the policy after the hesitation period, for example, if you want to surrender the policy after eight years of payment, you can only return the cash value of the policy if you surrender the policy at this time. The cash value can be used to see how much money can be refunded to you through the "Cash Value Table" of the insurance contract.

However, if it is due to the mistakes of the staff, such as the salesman's misleading behavior or irregularities, even if the cooling-off period has passed, you can still be refunded the premium.

Under normal circumstances, it is not recommended that you surrender the insurance easily, not only will there be losses, but there will also be a gap in the protection, so when we choose an insurance product in the early stage, we must be cautious and choose the product that suits us.

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Your insurance has passed the cooling-off period, and surrendering the policy will cause you financial losses, so please choose to surrender the policy carefully.

You can check the current year's policy value by checking the cash value table in the insurance contract. Calculating the cash value of the policy also requires information such as your age, gender, whether you have received dividends, whether you have a universal account, etc., so it is not possible to calculate the specific amount for you. You can call customer service** on the certificate wording or contact your insurance marketer for assistance.

Generally speaking, the property loss to the individual is different at different times of surrender, which is divided into two situations:

First, the policy is surrendered during the hesitation period, and the loss is very small.

If you realize that the insurance you have purchased is not suitable for you during the cooling-off period, you can apply for a surrender at any time.

Generally speaking, during the cooling-off period, only the cost of production will be deducted, or the cost of production cost of many insurance companies will also be waived, and the entire premium will be refunded directly. There are hardly any major economic losses.

The cooling-off period is generally 10-15 days, subject to the provisions in the specific insurance contract.

The second is to surrender the policy after the hesitation period, and the loss is very large.

The reality is that many people who consider surrendering their policies are often past the hesitation period.

At this time, if you surrender the policy, you can generally only get back the cash value, which is often less than half of the premium, and the insurance for the insured life will be lower.

Because there is a cost for an insurance company to operate every insurance product.

The premiums for the first two years, except for the premiums that have to play a protective role, are all the various costs of the insurance company.

If you surrender the policy two or three years after the insurance is applied, you will have to bear a lot of financial losses.

However, if it is found that the insurance salesman has misled sales or violated the rules after applying for insurance, it is a different matter.

For example, obstructing the policyholder's performance of truthful notification, signature, forgery, unauthorized alteration of the insurance contract, etc.

After the facts and evidence are conclusive, you can protect your legitimate rights and interests by filing a complaint with the insurance company or by filing a complaint with the CBIRC.

Summary. Surrender is actually a breach of contract, so surrendering the policy within the protection period may cause greater economic losses, especially for protection insurance products. If the policy is surrendered after the cooling-off period, the insurance company will usually only refund the policy based on the cash value of the policy, but the cash value of the policy in the year of surrender.

If you surrender the policy in the 8th year, you can get back about 364,170 yuan in premiums.

Hello, after paying social security for eight years, you can refund 364,170 yuan of premiums.

Surrender is actually a breach of contract, so surrendering the policy within the protection period may cause greater economic losses, especially for protection insurance products. If the policy is surrendered after the cooling-off period, the insurance company will usually only refund the policy based on the cash value of the policy, but the cash value of the policy in the year of surrender. If you surrender the policy in the 8th year, you can get back about 364,170 yuan in premiums.

I have paid social security for more than 9 years, and I have been interrupted for a few years in the middle, and now my mother is over 50 years old and can't continue to buy, I want to ask if I can surrender the insurance, how much can I refund, social security.

Generally, the surrender of the policy is not supported, and the specific surrender depends on the cash value of the policy in the current year.

Social security, not insurance.

Dear, you have to go to the Social Security Bureau for consultation on how much social security is refunded, and it is generally to refund the money you paid yourself.

Hello dear! We'll be happy to answer for you. How much can I get back after paying social security for eight yearsA:

Social security can not be refunded for eight years, because social security can not be refunded, only when you reach retirement age, do not want to continue to pay, then you can pay eight years of pension insurance personal account part of the return to you, now can not be refunded, then your pension God Wang insurance has been paid for eight years, and then insist on paying, during the period so that you can receive a pension after retirement, if you really don't want to pay, it doesn't matter, then wait until you are 60 years old to go to the social security center, bring your ID card, I will return the internal part of the money in your personal account that Wang Ku has paid for eight years of pension insurance to you, and you will be blind regardless of how much money you have. The money in your personal account can be refunded to you.

Summary. According to the relevant provisions of social security, the insured person surrenders the insurance halfway, and the total balance of the social security account can be refunded by the individual application, and the social security department approves the total balance of the payment in the social security personal account, so if it is agricultural insurance and urban and rural social security, the amount of fees paid by the individual in the previous 8 years can be fully refunded. If it is a freelancer who pays social security for employees, because the previous contribution was 20%, and only 8% was transferred to an account, so only the 8% part was refunded.

If it is an employee's social security, the part of the social security individual payment includes medical insurance and unemployment insurance, and the only thing that can be refunded is the endowment insurance premium, and the medical premium and unemployment insurance premium are not refundable (the refund is about 80% of the individual payment), no matter what kind of social security refund, the corresponding handling fee and cost will be deducted.

After paying social security for two years, how much can I get back now?

According to the relevant provisions of social security, the insured person surrenders the insurance halfway, and the social security department approves the total balance of the payment in the social security personal account, so if it is the agricultural insurance and the city is smooth and bright as the social security resident social security, the amount of fees paid by the individual in the previous 8 years can be refunded. If it is a freelancer who pays social security for employees, because the previous contribution was 20%, and only 8% was transferred to an account, so only the 8% part was refunded. If it is an employee's social security, the part of the social security individual payment includes medical insurance and unemployment insurance, and the only thing that can be refunded is the endowment insurance premium, and the medical premium and unemployment insurance premium are not refundable (the refund is about 80% of the individual payment), no matter what kind of social security refund, the corresponding handling fee and cost will be deducted.

After paying social security for two years, how much can I get back now?

Hello dear, social security paid for 2 years do not want to pay again can be refunded a part, that is, they pay a part, the unit pays you is such as the argument is not unbridled to return, social endowment insurance includes the unit and their own payment, the general endowment insurance of the unit is according to the previous year's average monthly salary of 20 percent of the left scum hail is missing right, their own according to eight percent to pay, such as the average monthly salary of the previous year 6000 yuan, the unit will pay 1200 yuan, I will pay 800 yuan, I can only refund 800 yuan per month, the refund is not cost-effective, It can be paid later, and the payment is cumulative.

At present, as the economic crisis is getting more and more serious, many people are struggling to make ends meet. At this time, someone thought of the insurance they had bought before, and wanted to surrender the insurance and return some money. So how much can I get back when I surrender the policy?

How much can I get back after paying 96,000 in 8 years.

How much can I get back after paying 96,000 in 8 years.

The money that can be returned after 96,000 surrenders in 8 years is generally the cash value of the policy, and the loss may be relatively large at about 50% of the principal paid.

In fact, surrender is equivalent to the policyholder's breach of contract, and if the policy is surrendered within the protection period, the economic loss is still relatively large, especially for protection insurance such as critical illness insurance, which costs more net premiums every year; If it is financial insurance, the money that can be returned will be more.

For example, if you buy Xintai Ruyi Tianlun Guardian Critical Illness Insurance, the annual fee to be paid is 12,000 yuan, then it is 96,000 yuan after eight years, and the first value of the policy is about 40,000 yuan at this time, and the money that the policyholder can return is only 40,000 yuan, and the loss is almost as high as 60,000 yuan, which is very cost-effective.

How much can I get back after paying 96,000 in 8 years.

How to return the 96,000 surrender policy after 8 years.

The specific negotiation process of 96,000 surrender in 8 years is as follows:

1. Apply for surrender and promotion. Whether the policyholder surrenders the insurance during the cooling-off period or outside the cooling-off period, the first thing to do if the policyholder wants to return the insurance must apply to the insurance company for surrender. You can apply for surrender through **, or you can go directly to the insurance company's business outlets to apply for surrender.

2. Submit materials. After the policyholder applies for surrender, the insurance company will require the policyholder to submit relevant information, which generally includes the original policy contract, proof of payment, identity documents, etc.

3. The surrender premium is received. The insurance company will review the materials submitted by the policyholder, and if there is no problem with the materials, it will generally notify the policyholder of the refund of the premium in about a week.

How much can I get back after paying 96,000 in 8 years.

How can the insurance be refunded in full?

There are only three ways to return the insurance in full:

1. Surrender the policy during the hesitation period. If the policyholder can return the insurance within the hesitation period of the policy contract, then the maximum loss of more than ten yuan of production costs, and the rest of the cost will be returned by the insurance company.

2. Find the fault of the insurance company and the salesman. If the insurance company or salesman has false sales and other behaviors, as long as the policyholder has relevant evidence, the policyholder can negotiate with the insurance company at any time to request a full surrender.

3. The cash value is greater than the premium paid. As time goes on, the cash value of the policy will also increase, and the policyholder can surrender the policy in full if the cash value of the policy is greater than the premiums paid.

The above is all about how much money can be refunded after paying 96,000 in 8 years. All in all, the money that can be returned after 8 years of surrender is generally the cash value of the policy, which may be far less than the premium paid.

Summary. Surrender amount = cash value = premiums paid for the policy - management fee of the insurance company to manage the policy expenses - commission of the policy salesperson - risk premium (the premium required to bear the insurance liability) + interest generated from the remaining premium - surrender fee.

Hello, dear, according to the cash value, you can return 70%-75% of which insurance you are and how much is the premium insured.

You can take a screenshot of the insurance contract, and the teacher will help you calculate it specifically.

Surrender amount = cash value = insurance rebate paid by the policy - management fee paid by the insurance company - insurance company's management fee for the insurance company's management chain - policy salesperson's commission - risk premium (the premium required to bear the insurance liability) + interest generated by the remaining premium - surrender fee.

Hello, I paid the pension insurance for 5,000 a year, and how much money can I get back for 8 years.

How many years do you need to pay in total?

10 years. Your surrender amount of 28,000-32,000 is less than the premium you paid, which is not cost-effective.

There's no need to refund too much.

That's right. It is not cost-effective to surrender the policy.

Yes, thank you. It's been paid for eight years, and it's almost over.

Summary. Hello, glad to answer for you. Pay 9,000 yuan a year, how much can you refund after nine years of surrender of the policy, and 68,000 yuan Oh If your insurance has been paid for nine years of surrender, it is very cost-effective, because this time has passed the hesitation period, and now the surrender is a normal surrender, and the normal surrender insurance company will only surrender according to the cash value of the policy, and the cash value of the policy is generally much lower than the premium we paid, so there will be a great loss in surrender;

Pay 9,000 yuan a year, how much money can be refunded after nine years of surrender of the policy.

Hello, glad to answer for you. Pay 9,000 yuan a year, the policy is paid for nine years, how much can you refund 68,000 yuan, oh If your insurance has paid for nine years of surrender, it is very cost-effective, because this time has passed the hesitation period, and now the surrender is a normal surrender, and the normal surrender insurance company will only surrender according to the cash value of the policy, and the cash value of the policy is generally much lower than the premium we pay, so the surrender will have a great loss;

If you really want to know how much money you can get back, you can call the insurance company's customer service** and ask. The staff will usually tell you that the crack or you can look directly at your insurance wording. Generally speaking, a contract of insurance will be accompanied by the current value of the policy.

Open it and you'll know how much you can get back.