I regret it after buying the insurance, can I successfully surrender the insurance?

Introduction: Insurance is a tool for protection, many people want to prevent losses caused by risks by taking insurance, but after buying insurance, if you regret it, can you still succeed in surrendering the insurance?

First, the general situation can be successfully surrendered Now the laws and regulations on insurance are becoming more and more sound, so after buying insurance, if you regret it,Under normal circumstances, the policy can be surrendered。For example, there is a period of time between the effective date of the insurance and the payment of the premium, which will give the purchaser a week to consider, and if he regrets it within this week, he can apply for surrender at any time, so that he can also refund all his premiums. However, if you feel regretful after paying several installments of insurance, you should apply to the corresponding person to surrender the insurance at this time, but you cannot return all the premiums paid at this time.

2. There is a loss in surrender of the policyWhen the insurance is surrendered, the first thing is a monetary loss for the person who pays the insurance. Because when the insurance company surrenders the policy, it will convert its value according to the number of installments that have been paid, usually if you pay less for the number of periods, then the less the converted value, and you may pay tens of thousands of yuan to return less than 1,000 yuan. And these conversion methods have been shown when I signed the insurance contract, so there is nothing to disagree with.

And after the surrender of the policy, there is no protection if there is a problem in the future, because the surrender means that there is no corresponding insurance protection in the current period. The insurance will only protect the policyholder during the payment period, and if there is any problem after the payment, the insurance company will not pay the claim.

Third, choose the corresponding substitute before surrendering the insurance must think of the corresponding alternative, the reason why you buy insurance is because you want to protect your health or property, of course, this protection is only to reduce the loss after the occurrence of the hazard. If you don't choose insurance, can you find a better alternative to achieve similar results? Only if you have thought of a replacement, then the choice of surrendering the policy yourself is wise.

Within three months is the cooling-off period, and a full refund is generally possible, but if it exceeds three months, some handling fees may be deducted.

It can be successful, but it is necessary to charge the corresponding handling fee, which may lose part of the economic gains, so when surrendering the policy, you should consider it carefully.

It is refundable. There is no explicit requirement in this regard, and it is also possible to surrender the policy, but a portion of the cost will be deducted.

Hello! If the insurance product you purchased is still within the coverage period and has never been claimed, you can choose to surrender the policy, but you should know that there are currently two types of surrender, namely hesitation period surrender and normal surrender. Among them, if the policy is surrendered during the hesitation period, the insurance company will refund all the premiums paid by the policyholder, and only charge a small amount of the production cost, which generally does not exceed 10 yuan.

In the case of normal surrender, the insurance company will refund the actual cost according to the cash value of the policy, i.e.: the premium paid by the policyholder - the company's management fee - the commission cost - the premium required for the liability and the interest accrued on the remaining premium.

How long did it take?

Is the hesitation period over?

Q: I have bought four issues.

What products are you buying?

I'll help you see how to deal with it.

Ask about critical illness insurance.

How many years do you pay in installments?

Do you have an insurance policy in hand?

You can see how much cash value is left in the policy.

The question has been paid for four years, 9,070 yuan per year, and now it is worth 13,300 yuan, and the answer is only 13,300 yuan, but I do not recommend direct surrender, so that your health risk is very high.

It is recommended to find a critical illness insurance product to replace it first, and after the waiting period has passed, is it simply to surrender the policy?

Can I get a refund if I regret buying insurance?

There is a ten-day hesitation period after the general insurance contract (long-term insurance) takes effect, and the surrender policy can be refunded in full during the hesitation period, and a lot of expenses will be deducted after the hesitation period.

The so-called insurance company, they are not to serve but to make money, just bought a ten-day hesitation period, if more than ten days later, you will lose a lot, surrender within a year, can only refund 70%, it is recommended that you carefully read the cash value table on the policy, you will know the details.

You can first check whether the policy has a cooling-off period, how long is the cooling-off period, if the policy is surrendered during the cooling-off period, in addition to the possible deduction of the production cost, the premium paid will be refunded, and there is no other loss. If the cooling-off period has passed, the surrender of the policy will be calculated according to the cash value of the policy, and there will be a certain loss. It is recommended to consult the insurance company's customer service for a detailed consultation on the surrender amount and the surrender process before surrendering the policy.

It's as simple as applying to the relevant authorities.

The insurance industry in China has developed very rapidly, and it has gone from being unpopular many years ago to almost universal insurance. Therefore, large and small insurance companies in China have also been established, and each company has reformed its own insurance products, and strives to produce a commercial insurance that satisfies users and allows users to buy. Even if the insurance is perfect, there will be some problems, and different people are suitable for different insurance, in which case it is inevitable to buy unsatisfactory insurance.

Therefore, how to surrender the insurance has become the most concerned issue for many policyholders.

1. Apply to the insurance company. 2. How to surrender the policy in full. In addition to how to surrender the policy, the main concern of many policyholders is how to surrender the policy in full.

There are two situations in which the policy can be surrendered in full, the first is that the insurance company will give each policyholder a 10 to 15 days cooling-off period after purchasing the insurance. During the cooling-off period, the insurance company will surrender the policy in full and quickly. In the second case, all premiums have been paid, in which case the cash value of the policy is the same as the premiums paid.

In this case, the surrender insurance company will also surrender the policy in full, so you must think about it carefully.

If you want to surrender the insurance halfway, you can go directly to the person who bought the insurance, and you can return it directly, and generally the return within a few months of buying insurance will definitely be a full refund.

You can negotiate with the staff, refund this insurance, and pay a certain amount of compensation.

Just call ** directly to explain to the insurance company, they can give you a refund, but the premium should be refunded at a discount.

So if you buy insurance and regret it halfway and want to surrender it, the first thing to tell you is that you can't surrender the full insurance, then it is very likely that you can only refund part of it.

Hello! If you regret the insurance after taking the insurance, you can choose to surrender the policy. If the insurance you purchased has a cooling-off period, you can unconditionally surrender the policy and get back the corresponding premium, with basically zero loss.

In principle, the insurance company will give you a return visit during the cooling-off period**, which is a good time to surrender the policy. If you have purchased an insurance policy that does not have a cooling-off period or has missed a cooling-off period, surrendering the policy at this time involves a key concept - cash value. The cash value is mainly for savings insurance, which is the money you can get when you surrender the policy, that is, "the premiums you pay - various handling fees, dividends (participating insurance), and income (wealth management insurance)".

The amount of cash value directly determines whether you will lose money when you surrender the policy. Generally speaking, the cash value will be less than the premium you paid in the early stage of the premium payment (e.g. the first 10 years), and it will catch up with and surpass your premium investment at a later stage, so if you must surrender the policy, don't just pay it back.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

After buying the insurance, you feel that you regret it and want to surrender the policy, in which case you can surrender the policy.

However, as a commercial insurance, the cost of surrender is relatively high, and the possibility of returning the premium invested in the early stage is very low, or only a small part of the premium can be returned, although it is said that the amount that can be returned is defined according to the different contracts of each insurance, but in the insurance industry as a whole. Surrender is a rather cost-effective thing, there are few types of insurance, you can withdraw a large amount of money when you surrender the policy, basically after deducting various liquidated damages, handling fees and other expenses, the amount of insurance left is very small and very cost-effective.

But for the kind of insurance with a lot of years to buy and a high amount of annual premiums, if you only want a refund in the first few years, it's actually completely okay, after all, there is a huge amount of money waiting for you in the later period, if you really don't want this insurance, you can get it back, but this must be built on. If you want to withdraw all the previous sum insured, this possibility is extremely small, and the possibility of successfully surrendering the policy has become equally small, so when buying insurance, we must think clearly in advance, regardless of the type of insurance and the terms of insurance.

Or for their own tolerance should have a sufficient understanding, otherwise halfway surrender and the insurance company and themselves are a loss, in the process will only make people feel more difficult, and insurance in a sense is not a kind of financial management, but the protection of their own future, since it is a kind of protection to do well. This kind of plan will never be used, but the current type of insurance is indeed much more profitable than in the past, and the participating insurance seems to attract more attention, and the insurance itself will have a greater role in medical treatment, and the premium for diseases is high enough.

If you want to surrender the policy, you need to bring your ID card and the relevant proof of purchase insurance to the place where you purchased it to return, which is generally refundable.

If it is in the hesitation period, you can go directly to the insurance company to surrender the policy, if it is beyond the hesitation period, you should negotiate with the insurance company, but the insurance company will definitely deduct a part of the handling fee.

You should contact the staff who have applied for insurance for yourself, so that you can surrender the insurance, but it is not cost-effective to surrender the insurance now, and you will not return all the money you paid.

After purchasing insurance, there is generally a period of 7 to 15 days, during which the policy can be surrendered without paying a handling fee, which is relatively safe.

If you regret buying insurance, you can apply to the insurance company for a refund, at this stage, the premium can be refunded in full, only the insurance company product needs to deduct the dust except for the cost of 10 yuan, and the rest of the premium will be refunded. The number of days of the cooling-off period is 10 days or 15 days, depending on the product.

After signing the insurance contract, you can request a full refund or surrender during the cooling-off period, which is generally 10 days.

1. What should I pay attention to when handling the surrender of the policy?

The following issues 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 of the policy, 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 application form of the policyholder, if the insured requests to surrender the insurance, the application for surrender of the insurance with the written consent of the policyholder shall be provided;

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

3) Proof of identity of the policyholder;

4) If the application is entrusted to another person, the power of attorney of the policyholder and the ID card of the principal shall be provided.

2. How to surrender the insurance contract if it is lost.

If the customer loses the insurance contract, he can apply to the insurance company to reissue a new one, and the cost of production will generally be charged 10 yuan. If you want to surrender the policy, you will have to apply for a replacement policy.

The specific surrender process is as follows:

1. When the policyholder requests to terminate the contract, he or she shall fill in the application form for termination of the contract and submit the insurance contract and the legal identity certificate of the policyholder.

2. The contract shall be terminated when the insurance company receives the application for termination. If the policyholder requests to terminate the contract within 10 days after signing the insurance policy, the insurance company shall refund all the insurance premiums collected to the policyholder within 30 days from the date of receipt of the application for termination.

3. If the insurer requests to terminate the contract 10 days after signing the insurance policy, the insurance company shall refund to the policyholder the cash value of the contract when the insurance company receives the application for termination.

3. Whether the critical illness insurance is considered the joint property of the husband and wife.

In general, it is joint property.

The personal assets involved in the insurance contract mainly include insurance premiums, dividends of auspicious policies, cash value of surrender, pensions, insurance indemnities and other items.

Unless otherwise agreed by the insurance contract or the husband and wife, in most cases, the insurance premium, policy income, cash value, and pension belong to the joint property of the husband and wife after marriage.

It should be noted that in the event of a claim, the critical illness insurance metal paid is personal property in the nature of compensation for the insured's personal injury.

Article 10 of the Insurance Law.

An insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.