How much is the surrender deduction after 2 years of national insurance?

The surrender of this product is about 20% of the loss, which needs to look at the cash value table.

How to return the National Insurance?

There are two ways to surrender the universal insurance policy:

Second, you can directly surrender the policy through the Alipay app, first of all, we search for Ant Insurance on the homepage, and then find all my policies, in the policy we can see all the policies we have purchased, find the product of National Insurance, click on the details and we can see the surrender button, and go to the operation to refund.

The surrender of national insurance is relatively simple, and the surrender can be completed within about a week, and if there is any problem, you can consult Alipay customer service in time.

What should I pay attention to when surrendering the universal insurance policy?

First, there is indeed a loss in the surrender of this product, so you must surrender the policy carefully, and don't regret it after surrendering.

Second, endowment insurance.

It is really important for us to surrender this product, or recommend that you buy other pension insurance products to give yourself a good protection.

Third, there is definitely no way to carry out full surrender of this product, we should not listen to the full surrender institutions on the Internet, many of these institutions are **, and there are legal risks, we should raise awareness to avoid being deceived.

The following points 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 and the contract has been in force for two years, 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 policyholder's application form.

If the insured requests to surrender the insurance, the applicant shall provide a written consent of the policyholder to submit the surrender application;

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

3) The ID card of the policyholder.

Bright; 4) If the applicant entrusts another person to handle it, the power of attorney of the policyholder shall be provided.

Principal's ID card.

Depending on the nature of the insurance, if it is a consumer insurance, then it is paid annually. The refund of the insurance is based on the terms of the insurance contract.

I paid more than 3,800 and refunded more than 240.

If it is not a dividend-paying type, only the cash value can be refunded; If it is a dividend-paying type, the cash value and dividends can be refunded.

Cash Value = Premiums Paid by the Policyholder Allocation of Insurance Company's Administrative Expenses Commissions paid by the insurer to salespeople Net premiums required by the insurance company to assume insurance liability + Interest on the remaining premiums.

Dividend calculation: Surrender often causes certain economic losses, but there are exceptions, such as the following two situations:

1.Surrender during the hesitation period: Usually there will be a hesitation period after buying insurance, the length of the hesitation period is generally about 10-15, if the policy is surrendered during this time period, the possibility of taking the full premium is almost 100%;

2.Misleading sales: If the insurance purchased before was signed under the non-standard operation of the salesman, and the signature in the insurance contract that made the contract effective was not signed by the person, it is possible to refund all the premiums.

In addition, there is a part of the money that is basically not available, and we must choose ways to reduce economic losses at this time, such as choosing to pay off the amount of money

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.

This will be more cost-effective than direct surrender, but not all products can do this, and whether this plan can be implemented depends on what the insurance company says.

Extended Information: In order to protect the interests of the insurer or the insured, the policyholder or the insured cannot go through the surrender procedures under the following conditions:

1) Policies that have incurred disability medical benefits;

2) The policy that has reached the survival period (the policyholder has completed the payment obligation to avoid the policyholder from harming the interests of the insured for his own interests).

3) Outside the insurance payment for more than five years (the last payment is more than five years ago);

4) Self-insurance (when working in an insurance company, the insurance contract signed by oneself or one's immediate family members in the name of a salesman is self-insured).

Surrendering the policy does not necessarily result in a loss of money, but only when the cash value of the policy is less than the premiums paid.

For specific calculations, you can refer to this formula Surrender Amount = Cash Value of the Policy + Total Amount of Policy Liability Refund.

Only the surrender amount and the premium paid will be a loss.

Questions. I bought two copies of the Pacific Anxing Insurance, and one for the children's super insurance has been paid for three years, paying 5,900 yuan per year.

I just said a bunch of ......Hahaha, you didn't even look at it.

You now take out the policy, take a picture of the policy liability to me and then take a picture of the policy cash value statement to me.

Questions. <>

Is this it? Please take care to protect your privacy.

Statement of Policy Liability, Cash Value of the Policy.

What you sent me was a receipt voucher ......

If I can't see the two I'm talking about, I can't do the math for you.

Questions. <>

Beautiful, this is the cash value chart of the policy.

Now there's the page of policy liability.

Now there's the page of policy liability.

Questions. <>

<> look at the policy liability just to see if there is any money returned, and it turns out that there is none.

So you're talking about two copies, three years. At the end of the year, only the amount shown on the cash value table will be refunded.

Summary. How much is deducted from Alipay's national insurance lifetime pension surrender Regarding the surrender of national insurance for whole life pension insurance, it is generally divided into surrender during the hesitation period and surrender after the hesitation period. The hesitation period of the universal insurance whole life endowment insurance is 15 days, that is to say, if the policy is surrendered within 15 days of the hesitation period, it can be surrendered in full after deducting the cost of production.

If the 15-day cooling-off period has passed, the refund will be made according to the cash value of the policy, and there will be a certain financial loss at this time. If you buy commercial insurance, then the commercial insurance refund may be less than 30% of your refund, if you pay 5,000 yuan next year, then if you pay for five years, it should be 25,000. In this way, according to 30%, you can return a few thousand yuan.

How much does Alipay deduct from the surrender of the whole life pension of the National InsuranceRegarding the surrender of the whole life pension insurance, it is generally divided into surrender during the hesitation period and surrender after the hesitation period. The hesitation period of the universal insurance whole life endowment insurance is 15 days, that is to say, if the policy is surrendered within 15 days of the hesitation period, it can be surrendered in full after deducting the cost of production. If the 15-day cooling-off period has passed, it will be refunded according to the cash value of the policy, and there will be a certain amount of financial loss at this time.

If you buy commercial insurance, then the commercial insurance refund may be less than 30% of your refund, if you pay 5,000 yuan next year, then if you pay for five years, the Zen bad reputation should be 25,000. In this way, according to 30%, you can return a few thousand yuan.

At what age can you give me money.

How old can I get how much money back.

The universal insurance will be paid monthly or annually on the first policy after the age of 60 for men and 55 for women, and the insured can receive the file trouble for life.

How much money can be paid for the pension at the age of 60, give it to me.

The basic pension subsidy for 60 years old is 55 yuan a month in the country, and it can be appropriately increased in various places. Basic pension subsidy. Mainly for the elderly over 60 years old and without employee pension insurance benefits, the national unified standard is 55 yuan per person per month, allowing various places to increase the amount of subsidies, such as Beijing's treatment is 820 yuan, Shanghai is 1100 yuan per month, Guangzhou is 237 yuan per month, and the specific application methods and subsidy standards for each local state, you can call the human resources and social security 12333** for consultation.

At that time, whether the pension will be sent to Alipay or to the card.

On the card, of course.

Then who do I want to give my card number, and who can I give my card number to.

Alipay's bound card is it.

Summary. Hello dear, surrender can only be 30% 60% of the insurance.

Hello dear, surrender can only be 30% 60% of the insurance.

It is not cost-effective, but only refundable to the cash value of the insurance.

Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc. Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.

Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the applicant within the agreed time. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.

Summary. Hello, dear. We're happy to answer your <>

How much is the surrender deduction for 3 years, and the cost of 10 yuan for the surrender of the 3-year insurance is paid by the pro-national insurance, and the rest of the premiums paid will be refunded to the policyholder in full; If the policy is surrendered beyond the cooling-off period, the insurance company will only refund the cash value of the policy.

How much is the surrender deduction for 3 years of universal insurance.

Hello, dear. We're happy to answer your <>

How much will be deducted for the surrender of the policy in 3 years, and the cost of 10 yuan will be deducted for the surrender of the insurance for 3 years, and the rest of the premiums paid will be refunded to the policyholder in full; If the policy is surrendered beyond the cooling-off period, the insurance company will only refund the cash value of the sock companion slip.

During the insurance period, the insured in the basic medical insurance designated medical institutions Mozao Tong was hospitalized due to illness, which is a medical expense within the scope of medical insurance stipulated by the social medical insurance in Hunan Province or the state and city, and should be paid by the local medical insurance after being reimbursed by the local medical insurance. The annual deductible is 20,000 yuan (10,000 yuan for Changsha basic medical insurance insured), and the compensation ratio is 80%.

Summary. Hello dear dear, I'm happy to answer your questions Alipay National Insurance surrender, if it is during the hesitation period, generally only 10 yuan of the cost will be deducted at most, and the rest of the premiums paid will be refunded to the policyholder in full; If the policy is surrendered beyond the cooling-off period, the insurance company will only refund the cash value of the policy, and you can call the insurance company's customer service ** 4008895518 for consultation.

Hello dear, I'm happy to answer your questions If it is within the hesitation period, only 10 yuan of the cost will be deducted at most, and the rest of the premiums paid will be refunded to the policyholder in full; If the policy is surrendered beyond the hesitation period, the insurance company will only refund the cash value of the policy, and you can call the customer service of the insurance company 4008895518 consult.

The national insurance products on the Alipay platform include education funds, pensions, and term life insurance, and you need to read the relevant terms carefully when applying for insurance.

Dear, the specific amount of return needs to be calculated by the insurance company according to the relevant provisions of the insurance contract, and the policyholder can also consult the insurance company.

Summary. 10,000 yuan).

10,000 yuan).

The national insurance is 10,000 yuan, and the surrender can be 7,500 yuan.

Because the insurance is refunded on a pro-rata basis.

I hope mine is helpful to you and I wish you a happy life.

Education Grants. This.

It depends on how long you've been paying it.

If it takes a long time, the proportion of withdrawal will be less.