If I regret buying insurance, how can I surrender the policy during the hesitation period?

If you regret buying the insurance, it is easiest to surrender the policy during the cooling-off period, and you don't need to prepare any additional materials. Find the original purchase channel and the corresponding staff, tell the other party that you want to surrender the insurance, and cooperate with the surrender. Usually, the insurance can be purchased through the following channels.

1. Purchase through the insurance manager - contact him directly and tell him that he wants to surrender the policy, and he only needs to cooperate with the other party's follow-up work.

2. If you buy it at the counter - bring the original contract and the original identity and other information to the counter to handle the surrender.

3. Online purchase - open the electronic policy page, find the "I want to surrender" button, and follow the steps to operate.

After the insurance is purchased, a "cooling-off period" will be set. The hesitation period, as the name suggests, is what makes customers hesitate and regret. The reason why the hesitation period is set is that some customers feel as if they have bought the wrong one, lost money, and do not want it after purchasing, so they can directly choose to surrender the policy during the hesitation period.

In the past, some insurance managers would use some ambiguous words to fool customers in order to facilitate the order. When the customer returns home, he realizes that he has been "tricked", or when he returns home to calm down and think about it, he feels that it is not like that, and he will want to surrender the policy.

Therefore, it is very necessary to set up an insurance cooling-off period to avoid many disputes, and it is also an important measure to protect the rights and interests of customers. The hesitation period of each insurance is different, the hesitation period of short-term insurance is generally 3-5 days, and the hesitation period of longer insurance is usually 10-15 days, or even longer.

It should be noted that if you want to surrender the policy, it is best to surrender during the cooling-off period, and the loss to the customer is minimal and almost negligible. Once the policy is surrendered after the cooling-off period, the amount that can be refunded will be greatly discounted, and the surrender loss rate after the cooling-off period can reach up to 80%!

Nowadays, people are becoming more and more aware of insurance, and that's a good thing. But I still want to remind everyone that before buying insurance, you must think clearly about what kind of insurance you need, don't buy it in a moment's heat, and don't blindly believe the introduction of the insurance manager.

When buying insurance, you should carefully understand the insurance content, payment and insurance coverage, and really think about it before buying. If you regret it and want to surrender the policy, it is not so easy.

During this period, you can directly contact the salesman to surrender the insurance, as long as you make some things clear to them, you can surrender the insurance smoothly.

Be sure to grasp the time and contact the salesman in time during the hesitation period, so that it is better.

You can contact the business staff, or go directly to the insurance company to surrender the policy, be sure to pay attention to the time.

The cancellation policy during the cooling-off period is as follows:

1. Submit an application for surrender to the insurance company and submit surrender materials, such as insurance contracts, premium invoices, etc.;

2. After reviewing the surrender application, the insurance company will issue a surrender approval and withdraw the policy at the same time;

3. The surrenderer shall go to the insurance company to collect all the insurance premiums with the surrender approval form and ID card.

The cooling-off period is as follows:

1. If the insurance is purchased through the first person, you can also directly contact the first person to submit a surrender request, and the first person can help you through his own system;

3. Go directly to the insurance company's counter to handle the business outlets, you need to bring your own insurance contract, ID card, policy and other materials, and the staff will assist you to surrender the insurance after asking about the reason for surrender;

After the cooling-off period, you can go to the customer service center of the insurance company to apply for surrender with the insurance policy, ID card, bank card, and insurance contract. The process of requesting surrender after the cooling-off period is as follows:1

Collect and truthfully fill in the surrender application form and submit the surrender application; 2.Carry all the surrender information and ensure the authenticity and validity of the information; 3.Fill in the relevant information according to the staff's prompts to complete the process, and wait for the refund of the premium after the review is passed.

The hesitation period of the general insurance company is 10 15 days, if the policy is surrendered during the hesitation period, the insurance company will refund the premium in full after deducting the cost of about 10 yuan, if the hesitation period is exceeded to apply for surrender, the insurance company can only refund the cash value of the policy when surrendering, that is, the insurance premium paid by the policyholder to the insurance company after deducting the intermediary commission, the cost of billing, management expenses, etc. If the policy is surrendered after the cooling-off period, it will incur considerable financial costs, and secondly, the insurance protection will not be implemented. It is recommended that the policyholder should control the surrender period if he wants to surrender the policy, and if he wants to surrender the policy after the cooling-off period, he can consult the surrender details in advance before proceeding.

The insurance hesitation period is the time when you start to calculate the time after signing the policy, surrender the policy within 10 days, and only need to pay the cost of 10 yuan, you can surrender the policy in full, and there is generally no loss. However, after the cooling-off period, it is unlikely that the policy will be surrendered in full and will cause certain losses, such as:

1. For economic loss, only the cash value of the policy will be refunded after the hesitation period, and the cash value of the policy = the management fee of the insurance company - commission - risk premium + interest generated by the remaining premium, the amount is relatively small.

2. When re-insured, the insurance rights may be subject to certain restrictions. For example, if you want to reconsider taking out long-term life insurance, the exclusion period for death from illness, disability or suicide as agreed in the terms of the insurance will be recalculated.

3. When re-insured, the payment standard will be increased, and the insurance may even be denied. If you re-apply for insurance after a long period of time after surrendering, the premium will increase as you get older. What's more, if you have some physical problems, you may be denied insurance.

Therefore, after the cooling-off period, it is basically impossible to surrender the policy in full, and you should consider carefully before choosing whether to surrender the policy.

Ping An Life Insurance can choose not to surrender if the surrender exceeds the hesitation period, and if you do not surrender, you will continue to enjoy everything protected by the insurance, and Ping An Insurance is also updated at any time.

There is no way to do this in this case, because the cooling-off period is to make it easy for you to surrender the policy, and there is no way to do it after that.

Xueba talks about insurance, focusing on insurance evaluation! Before buying critical illness insurance, you still have to compare more and choose carefully, if you want to surrender the policy because of the wrong purchase, it will not be good to cause economic losses, such as encountering these few best detoursTop 10 [Not Worth Buying] Critical Illness Insurance Points!

After the cooling-off period, only the cash value can be returned, which can be calculated as follows:

Some people buy insurance very seriously, but then they want to surrender it for various reasons. Then don't be sloppy about surrender, there is a lot of surrender knowledge in this article, and you can take a look at it if you don't understandHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Generally speaking, there will be a loss if you surrender the policy, except for these two cases:

1.Cooling-off period surrender:After we buy the insurance, the 10-15 days from the signing of the contract is usually the cooling-off period, and if we surrender the policy within this period, we can get the full premium back;

2.Sales misleading:If you encounter the non-standard operation of the salesman when you buy insurance before, and the insurance contract is not signed by yourself, there is a great chance of getting back all the premiums paid.

In addition to these two cases, the loss is certain, and what we need to do at this time is to try to minimize the loss, for example, we can choose to reduce the amount and pay it off

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

Compared with surrender, this method reduces the loss, but it does not mean that every product can use this method, and whether the insurance can be handled in this way still needs to be confirmed with the insurance company.

In addition,These situations are also critical for surrender:

2.Health Status:If you have more and more physical problems, it is very likely that you will not be able to pass the underwriting of the new insurance, in which case it is best not to surrender the policy first.

3.Payment card balance:If you have a clear idea of surrendering, it is best not to put money in the bank card that pays the insurance premium, if the surrender has not been successful, and the payment period has arrived, it will be difficult to be deducted.

In fact, there are many details of surrender that we have to pay attention to, and we can't finish it in a few words, if you want to know the details, you might as well take a look at this articleWhat are the details to pay attention to when surrendering an insurance?

I bought a whole life insurance with a premium of 20,000 yuan per year, and I bought it for more than four months, and I want to surrender the policy, and I can probably return how much money I can get back.

The insurance is still in the cooling-off period and can generally be surrendered in the following ways:

1.Contact the insurance salesman to handle the surrender procedures on your behalf: Generally, you can directly contact the insurance salesman you know, or call the customer service of the insurance company to contact the insurance salesman, and hand over the information required for surrender, such as the policy, bank card, copy of the policyholder's ID card, proof of entrustment and other required information, and he will handle the surrender procedures on his behalf

2.The policyholder should bring his ID card, insurance policy, and bank card to the insurance company to go through the surrender procedures

3.Some insurance products can be surrendered online. For example, Ping An Insurance can log in to an account in Ping An Gold Butler, and then select more services in the policy service to find the surrender option.

After choosing the cooling-off period, you can check the policy that needs to be surrendered, and you can directly surrender the policy online

Generally speaking, surrendering the policy during the cooling-off period, that is, surrendering the policy within 10 days, 15 days, or 20 days after receiving the insurance contract (the specific number of days is subject to the agreement in the insurance contract), the premium paid can be refunded, and the surrender after the cooling-off period is the cash value of the refundable policy.

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