If I don t want the insurance after buying it, can I still surrender the policy?

After you have purchased the insurance, you can also surrender the policy. When signing the insurance contract, there will be some surrender clauses in it. When you sign the insurance contract, you should have some understanding of the terms of surrender.

Some insurance companies stipulate that a certain handling fee will be charged when the policy is surrendered. And some parts are non-refundable. These things must be understood by yourself.

Some insurance companies promise that they will give a full refund when the policy is surrendered. So it's best for us to choose this kind of insurance. This kind of insurance is also foolproof and can be surrendered when we want to regret it.

However, most of them are subject to a fee, and we must be prepared to lose some of our money.

It's best to choose an insurance plan that's right for us. So that we don't regret it. If we don't know anything about this insurance, we will regret it sometimes.

So at the beginning, it's best to understand all the terms of this insurance in all aspects. In this way, we can choose the right insurance plan for us. This way you won't get any more refunds.

If we get a refund, we may lose a lot of money. There are many people who regret it because of this, so the insurance company does not refund the refund. Some don't even give a full refund.

In this case, you can only consider yourself unlucky. Therefore, we must do a good job of research in the early stage. Be sure to understand the specific terms and conditions of the insurance we want to insure.

So that we can be foolproof.

When we choose an insurance company, we should also choose some large insurance companies with a good reputation. These big insurance companies, they have a very good reputation for their performance. And the fact that they have been able to exist for so many years is enough to show that the insurance business they provide is very honest.

That's why we can survive in the industry all the time. So we must choose this kind of big insurance company.

It's still okay, after buying insurance, there is generally a hesitation period of 15 days or about half a month, and the policy should be surrendered in time within this period.

After buying insurance, you can surrender the insurance if you don't want it, but you should pay attention to the fact that the surrender policy can be refunded, but the money cannot be refunded.

It is possible to surrender the policy, but if the policy is surrendered, it is impossible to return all the money, and a part of the cost will be deducted.

OK. You can contact the relevant customer service, and you should also contact the relevant staff to withdraw from the insurance.

If you don't want to buy insurance anymore, of course, you can return it directly, and you only need to bring valid documents and information to the insurance company to handle the surrender business。The contract signed by the insurance is binding on both the policyholder and the insurer, but it does not mean that the policy cannot be surrendered, and the insurance can be surrendered at any time on the premise that you do not want to buy insurance, unless there is a special agreement in the insurance contract.

1. Preparations.

2. Surrender the policy.

Under normal circumstances, after arriving at the business outlet, you need to fill out a surrender application form, and clearly write down the reason for surrender, the surrender time, and your own relevant information on the surrender application. The surrender application will be sent to the relevant departments of the insurance company for review, and after the review is passed, the remaining premium will be refunded to the policyholder's bank card, and the whole process will take about ten working days, and the policyholder needs to wait patiently.

3. The surrender process is completed.

After the surrender is completed, the staff of the insurance company will usually notify you, and the contract between the two parties will be officially terminated, and the policyholder will no longer enjoy the protection provided by any insurance company. There may be some insurance policies that cannot be handled again because of surrender, so you must think carefully before surrendering the policy, many times it is easy to surrender, but it is difficult to buy again.

This fee can be refunded directly, but you will lose a lot of money, I don't think there is really any need to do this, the insurance still needs to have one, this is a protection for yourself.

Depending on the specific situation, if the contract stipulates a time limit, then it cannot be refunded within the time limit, otherwise it can negotiate a refund with the insurance institution.

If you don't want to buy it now, you can return it directly. However, previous premiums may not be fully refundable.

In real life, the coverage of insurance products has become more and more extensive, and for many people, they will choose to buy insurance in order to give themselves more protection. But there are some people who often regret because they don't think enough. So can we still surrender the policy after purchasing, this has to be determined according to our own situation, different insurance companies, different insurance products naturally their policies are also different.

However, under normal circumstances, most of them can be surrendered, and we only need to bring our personal materials to the corresponding insurance company's outlets to apply. However, because this is caused by our personal reasons, a certain amount of breach of contract fees will be deducted, and the loss is still relatively large for all of us. So when we buy, we must think carefully.

So under normal circumstances, why do people choose to surrender the policy? Let's take a brief look at it together. <>

The first is that there is not enough thinking. For many people, they don't think enough when they do things, so there are often situations of repentance. Naturally, in order to avoid this from happening, we must think carefully when making any decision, and we must think about it well, so that we can avoid some unnecessary influences.

Secondly, the content of the insurance is not clear. There are also some people who choose to surrender the insurance because they are not clear about the content of the insurance. The reason for this result is also related to the salesman.

When they sell insurance, they don't have a clear explanation to the customer, so it is not clear. Then naturally everyone is not satisfied in the end, and they will definitely choose to surrender the policy. <>

Of course, in addition to these cases, there are some other cases. Whatever the reason, we need to pay attention. Because this situation will only bring us some losses, and it is a completely unnecessary loss. So naturally we need to be cautious!

Surrenderable policy. However, when you surrender the policy, you need to charge the relevant handling fee, and you will not be refunded in full, so you only need to go to the insurance company to handle the surrender business.

Dear, hello, I'm honored to answer your questions, I'm Wenqutang Financial Research [happy];

Please wait, I'm looking at your question, I'll reply to you right away, please wait a minute, thank you

Hello, you can surrender the policy, and it is our right to surrender the policy. Specifically, we will face two situations when we surrender the policy, one is to surrender the policy during the cooling-off period, and the other is to surrender the policy after the cooling-off period.

1. Surrender during the hesitation period: This is relatively simple, we surrender the policy within the 15-day hesitation period agreed in the contract (subject to the specific contract), and the insurance company will directly refund all the premiums after deducting the cost of production. Surrendering the policy during the cooling-off period has almost no loss, and we have thought about it in time to surrender the policy within this time.

The setting of the hesitation period is to give the policyholder time to consider, and will not be misled by a momentary sale to purchase insurance that is not suitable for him.

2. Surrender beyond the hesitation period: After the hesitation period, if we apply for surrender, how much can be refunded, which is closely related to the type of insurance or the time of insurance. Generally speaking, for consumption, savings, universal insurance, and investment-linked insurance, refundable funds = cash value (the cash value is on the first few pages of the contract, and there will generally be a cash value table, which will clearly indicate the cash value of the insurance contract corresponding to each year).

Of course, you can, these are your own choices, if you don't want to pay for insurance, you should surrender the policy immediately.

If the policy can be surrendered, the amount may be different from the amount we purchased, because the exchange rate has a certain handling fee.

I've been buying the insurance for two years, and now I don't want to buy it, so I can get a refund. However, you will not be refunded in full, and you will have to bear a lot of losses.

According to China's Insurance Law, which stipulates that if the policyholder terminates the contract and has paid the insurance premium for more than 2 years, the insurer shall refund the cash value of the insurance policy within 30 days from the date of the notice of termination.

Insurance (or insuraunce) is a market economy.

conditions) risk management.

The basic means are the financial system and the social security system.

It is also an act of the insurer to pay insurance money to the insured when the conditions of the contract are met (when the contract stipulates that the accident may occur and the property damage caused by its occurrence is liable for the insurance money, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract). Insurance, economically, is a financial arrangement for apportioning accident losses, legally it is a contractual act in which one party agrees to compensate the other party's losses, socially it is an integral part of the social and economic security system, and risk management is the basic method.

Insurance has different extraordinary meanings and functions for society, families and people. For example, insurance has the function of protection, and insurance can do asset preservation.

Transformed into education, it can also do pension planning and has the function of compulsory savings, insurance can also be a liability carrier, coordination lever and so on. In short, know that the essence of insurance is social assistance, family protection, and personal responsibility.

The basic principles of insurance include the principle of maximum good faith, which means that both the policyholder and the insurance company should maintain the greatest sincerity, and both parties should not deceive and conceal each other; The principle of insurable interest means that the insured can enjoy legally recognized economic benefits according to the insurance contract, and the insurance company must implement it according to the effective contract; The principle of compensation means that after the occurrence of an insured event, the insurance company will only pay the sum insured.

Compensation will be made according to the actual amount of damage, and the insured will not receive additional income; The principle of proximate cause means that the insurance company only compensates for the losses caused by accidents within the scope of insurance liability, and does not pay compensation within the scope of the contract.

1. You can return it.

2. The policy generally has a hesitation period of 10 days, which starts from the day the policy is obtained, and can be surrendered in full during this period.

3. After 10 days, you can only get back the part of the policy value, that is, after deducting the operating costs of the insurance company, the remaining part.

4. Within a certain period of time after the insurance is purchased, you have the right to withdraw the contract, and the specific situation depends on the regulations of each company.

5. Only when the contract is signed and the receipt is issued for payment can the contract relationship be formally identified, and the contract can be revoked if the contract is only signed and the payment is not paid.

Now insurance has been valued by many people, in fact, insurance is indeed very important, if you really encounter an unexpected situation in real life. So if you buy insurance, the insurance can also provide you with corresponding compensation, so that you can reduce your risk, after buying the insurance you don't want, can you still surrender the insurance?

You can clearly tell you that if you don't want to buy insurance, you can actually surrender the insurance, you can contact the corresponding personnel of the insurance company in advance, and then tell the relevant personnel about your needs, and then the relevant personnel will assist you in the surrender procedures, so you can go through the surrender procedures, and you don't have to worry that the insurance company will not handle the procedures for yourself, because this is the legitimate rights and interests of everyone.

If you have made it clear that this insurance is not very suitable for you, or because of some special circumstances, you no longer want to buy insurance, then you can go to the insurance company to go through the surrender procedures, you can call ** in advance to contact the business staff of the insurance company, and then consult the procedures for surrender, generally speaking, you need to fill in the surrender application form, and then submit the corresponding information, the surrender application form and the corresponding documents to the relevant agencies, Then the insurance company will submit these materials to the relevant personnel for review, and after the review is passed, it will be notified to the parties, and then the parties can go to the insurance company to sign the contract by themselves.

However, the procedures for surrender are not so simple, so it is recommended that you consult in advance, or find detailed information on the Internet, so that you can make no mistakes, and in this process, you can also improve your efficiency, and you should have a clear understanding of the related issues of surrender. In this way, difficulties and problems can be avoided.

Of course. You should contact your own salesman, so that you can get a very good surrender, and finally you will get a very good management.

If you don't want the insurance after that, you can also surrender the insurance, you can go directly to the company or apply online.

It can be refunded, but it cannot be refunded in full, because you need to pay a certain handling fee, and the proportion of this handling fee is relatively low.