I bought an insurance policy and don t want it, how do I surrender it?

You should surrender the insurance at the place where you bought it, you need to bring some identification, go to the insurance company to go through the relevant procedures, and sign some contracts, so that you can surrender the insurance.

Find the staff, and then tell the staff that you need to surrender the insurance, and the staff will help you return the insurance, which is very convenient.

We only need to go to the relevant department to return the insurance, of course, we also need to get the relevant formalities to prove, but he will not return all the money to us, there will be a certain amount of handling fees withheld.

You can go and look for the staff. You can get a good surrender, and you will also let the other party handle it for yourself. In the end, you can get a refund of about 80%.

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.

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.

The policy can be surrendered. Because insurance is actually a commodity, it can be surrendered, but it is not recommended to surrender the policy.

It is possible to surrender the policy, and you need to contact the customer service of the store at that time or call ** to surrender the policy.

If you don't want to buy the insurance you bought, you can generally refund it in the following ways:

1.You can find an insurance salesman to handle the surrender procedures on your behalf, which generally requires the policyholder to hand over the policy, a copy of your ID card, and a copy of your bank card to the insurance salesman, and then the insurance salesman will handle the surrender procedures on your behalf;

2.If the staff of the insurance company usually assists in the surrender procedures, the policyholder will generally be required to fill in the application form for the termination of the insurance contract and withdraw the policy, and the surrender money will be refunded to the bank account designated by the policyholder within the agreed time;

3.For example, Ping An Insurance can log in to One Account in Ping An Financial Manager, click More Services in the Policy Service, click Surrender, and check the policy to be surrendered, and then you can realize online surrender;

The above steps are operating in the operating environment:

Phone model: Huawei P40

If you don't want to buy insurance, you can generally get it back in the following ways:

1.You can go through the surrender procedures with an insurance salesman. Under normal circumstances, the policyholder needs to hand over the copy of the policy and ID card to the insurance salesman, and then the insurance salesman will handle the surrender procedures;

2.The policyholder can bring the ID card, bank card, and insurance policy to the insurance company's offline service outlets to go through the surrender procedures, and the insurance company's staff usually assists in the surrender procedures, and generally requires the policyholder to fill in the application for termination of the insurance contract, recover the policy, and return the surrender money to the bank account designated by the policyholder within the agreed time;

3.You can apply for a surrender policy directly**. For example, Ping An Insurance can log in to an account in Ping An Financial Butler, click on More Services in the Policy Service, click on Surrender, check the policy you need to know about the policy you want to surrender, and realize online surrender;

Operating environment: Mobile phone model: Huawei P40

System Version:

Question: I bought Chinese Life Insurance in '98, which is the kind that waits until the age of 60 to receive money every month. Inflation is so strong now that it is expected that by the time I receive it, the money will be worthless.

So now I want to get my insurance back and buy some more practical medical insurance or something. However, I consulted the insurance salesman and got the answer that the insurance cannot be refunded, because there was no surrender clause for the insured in the contract. So, now I would like to ask you how to negotiate with an insurance company.

Answer: First of all, you have been insured for 11 years, and it is not cost-effective for you to surrender the policy. Therefore, it is recommended that if there is no special reason, do not surrender the policy, you return now, and the biggest damage is yourself.

As for the reason you said, the reason is that inflation is too strong, and you are afraid that the money is not worth much, but if you don't buy insurance for this money at the beginning, it will also depreciate in the bank! Unless you use it as an investment, but the investment is also risky, and it may not be able to keep the principal, which is beyond your control. So this money is not depreciated because we bought insurance, but we have a certain need for it.

Now you feel worried about your health, want to apply for medical insurance, this is also normal, this is your current needs, each product to solve the problem to solve the worry is different, I believe you will not have to return the previous pension insurance and then to do the current medical insurance. Second, life insurance is refundable, but it must be applied for by the original policyholder, and you cannot apply for it if you are insured. It is recommended that if the premium to be paid next is not very high, it is still retained, on the one hand, there will definitely be a loss in surrendering, and on the other hand, the 98-year product is still superior to the current product in terms of rate.

In addition, from the aspect of insurance protection, the security of the pension is one of the three major guarantees of our life. After all, inflation is not something we can control, we can't not prepare for retirement because of inflation, but because of inflation we should make more money savings for our retirement, what do you say?

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

Ask how to return.

1. Surrender the policy during the cooling-off period: the policyholder can get back the entire premium.

2. Surrender outside the hesitation period: The cash value of the policy can only be returned during the hesitation period, and the gap between the cash value and the premium paid by the policyholder is large, and the policyholder will have a lot of losses. In addition, the policy that has already incurred a claim cannot be surrendered and the premium cannot be refunded.

Here's how to surrender the policy:

1. Contact your insurance consultant to apply for the surrender process.

She won't give me a refund when I ask a question.

Question: I don't know anything, I only know that the money has been deducted, and there are no other insurance policies or anything.

I don't know anything, I only know that the money is deducted, and there are no other insurance policies or anything.

1. Submit a surrender application to the insurance company. We need to write an application stating why we want to surrender the policy and when we want to do so, then sign it and give it to the insurance company.

2. If the insurance company agrees to surrender the policy, it will give you a surrender approval form, which indicates the surrender time and the amount of premium payable, and at the same time withdraw your insurance policy.

3. Finally, go to the insurance company to collect the refundable insurance premium, that is, take the surrender approval, ID card and other information, and go to the insurance company to collect the money.

See what you mean.

It is not legal to not have a policy.

It is recommended that you keep the communication records and the deduction voucher as evidence.

When asked, she said yes, but she didn't give it to me.

Feedback your situation and safeguard your legitimate rights and interests.

Hello. You can see that you are very righteous and angry. In response to your question, make the following reference:

1. Insurance is a statutory contract, paying premiums is an obligation, and insurance companies are also obligated to provide protection;

2. The premium can be deferred: first, it will be made up within 60 days; the second is to renew within two years; Judging from what you described, the main reason for disturbing potatoes is that you don't see the benefits of this insurance, and you just want to quit after listening to others; If you hand it over, you can hand it in, but if you don't want to hand it over, it's not clear;

3. There are many ways for insurance companies to make money: investing in large-scale national construction such as the Three Gorges Project, nuclear power plants, investing in banks such as industrial and agricultural construction, people's livelihood, etc.; It's not up to you to break the contract to earn some liquidated damages;

4. What kind of insurance do you buy, I can give you detailed and specific suggestions;

Satisfied, questioned;

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