What should I do if I regret buying insurance?

It is not uncommon for you to feel very sorry after buying insurance. Because many people listen to the insurance commissioner introduce insurance when buying insurance, feel that it is particularly suitable for themselves, and after the insurance is purchased, go home and think about it carefully and find that the insurance is not as suitable for themselves as the insurance commissioner said, or after buying insurance, after many years they find that there is an insurance more suitable for themselves than this insurance, the protection is more comprehensive, and some people find that the economic expenditure on insurance exceeds their expectations after buying insurance. <>

1. Can I surrender the insurance after I have purchased it?

If you are a new insurance purchaser, you can surrender the insurance at any time during the hesitation period, which will not cause any economic loss, if you need to surrender the insurance after the hesitation period, then you need to bear the corresponding losses, if you have purchased insurance for many years, you can find an insurance that suits you, you can weigh the pros and cons to calculate how much the loss is different from the actual situation, if the loss is not very much, you can also return the insurance, and then buy a more suitable insurance for yourself. <>

Second, before buying insurance, you should carefully consider whether to buy it.

The reason why you want to surrender the insurance after buying insurance is because you spend impulsively when buying insurance, and you don't think carefully about whether the insurance and yourself are suitable for you according to your personal situation, and whether you have the corresponding ability to bear the cost of insurance, so you must think carefully about whether you need to buy this insurance according to your personal situation and personal family situation before buying insurance, or whether there will be insurance that is more suitable for you. <>

3. Before buying insurance, you can understand insurance knowledge and formulate an insurance plan.

Many people buy insurance blindly, only by the salesman introduction or customer service to sell, for the insurance terms and insurance knowledge almost no understanding, in fact, insurance knowledge is not as complex as imagined, only need to collect some information online, understand some basic insurance information can be based on personal circumstances to develop a reasonable insurance plan, need to buy insurance only need to see which insurance is more in line with their own insurance plan.

For those who feel sorry after buying the insurance, first of all, you can apply for surrender within the hesitation period, and you will not have any loss, about 15 days, and some are 10 days.

At this time, we can negotiate with the insurance officer, and then surrender the policy, although a certain handling fee will be deducted, but most of the principal is still there.

Then you should communicate with the other party, and hope that the other party can return the money to you, so that you will not regret it again.

First, I regretted it very much after buying a commercial endowment insurance, because after hearing the introduction of the insurance salesman, I was a little excited and decided to buy it.

I bought a commercial endowment insurance in a bank, and it was because the teller of the bank was selling it to me, so I always thought that this insurance was a special insurance launched by the bank. But when I confirmed the purchase of this insurance, I found the names of other insurance companies on my policy, but I didn't have any more doubts, but chose to believe the words of the counter staff, so I didn't read the insurance policy very carefully. When the teller pitched me, he claimed to get the principal back after five years and that he would get a profit every year, which was a fee in addition to interest.

Second, when I got home, I thought about it, and took out the electronic policy to check it carefully, and found that many of the contents on the policy were inconsistent with what the insurance salesman said.

After confirming the purchase, I paid 10,000 directly and got an e-policy. When I got home with this e-policy, I carefully read the contents of the e-policy, and the e-policy clearly stated that the money would not be available until 15 years later, and there was no mention of any interest, only that there would be a fee every year, and the approximate amount of this fee would be between 1000 and 3000, and this fee would not be available until five years later. But I need to pay a premium of 10,000 a year, and after five years, the premium I pay is 50,000 yuan, and the additional fees I get are actually equivalent to my interest.

3. Insurance is originally a profit-making enterprise, so each of his policies is made after careful consideration, and it will have its own way of making profits, and it is difficult for ordinary people to benefit from it.

Although after reading the policy, I felt that this insurance was not too necessary, because he couldn't give me basic living security at all, because he could only get about 2,000 to 3,000 per year, which was equivalent to more than 100 yuan a month. In addition, I want to keep my fixed amount in the insurance company for more than 15 years, and continue to deposit 10,000 yuan every year, which is equivalent to my saving 150,000 yuan. Through this example, you can find that the insurance of insurance companies actually has a routine, and we must calculate the entire data to see the final result.

I regret it, this is because there are many insurance companies that over-market when selling insurance, so many people have been scammed.

I already regret it, because the insurance I bought is completely useless, just a waste of money, and you must be cautious when buying insurance.

I regretted it because I encountered a lot of pitfalls, which simply overwhelmed me and left me with a psychological shadow.

You can choose to surrender the policy, but you will need to bear a certain amountLiability for breach of contractAt the same time, your principal will be lost to varying degrees.

In your case, I recommend that you carefully evaluate your insurance coverage and research whether your insurance coverage is suitable for your actual situation. At present, there are many types of insurance on the market, each of which will have different protection purposes, and some will even have financial management functions. But in any case, different types of insurance will have different target users, and I don't recommend that you blindly buy insurance without knowing the type of insurance, which is a very ignorant behavior.

1. The easiest way is to surrender the policy.

Not all insurance plans can be surrendered, if you have purchased consumable medical insurance and critical illness insurance.

This type of insurance is non-refundable and there is no way you can regret it. If the insurance you are buying is a life insurance or annuity insurance with a financial nature.

This type of insurance product can be surrendered voluntarily, but you need to pay a certain amount of liquidated damages.

Second, you need to check the insurance contract further.

Each user's insurance contract is unique, which means that you need to check your insurance contract further to see if there is any restriction on surrender. As I said above, insurance products with a wealth management nature can generally be surrendered, but you need to pay a certain price. If you also have relevant financial needs, I don't think you need to surrender the policy, because professional insurance products can actually play a role in compulsory savings.

3. It is recommended that you purchase insurance carefully in the future.

Not all insurance salesmen.

All have strong enough moral quality, and many insurance sales are just for the purpose of selling insurance, and they are also thinking about insurance commissions, and they will not consider whether the current insurance is suitable for users. It is precisely for this reason that before you buy the relevant insurance, you must carefully study the specific content of the relevant insurance and evaluate whether the insurance product is suitable for you, which is the correct way to configure the insurance product. <>

For those who regret it after buying the insurance, first of all, if it is within the cooling-off period, you can apply for a surrender of the policy without any loss.

It depends on whether your insurance is what you need, and then decide what to do after finding a professional to judge, and do not stop paying or surrendering the insurance at will, so that the loss will be greater.

If you regret it, we can continue to refund the relevant personnel, but you need to bear a certain amount of responsibility, and the cost of the insurance will not be refunded to you in full.

I recommend that you apply for a surrender policy, and I think you should think carefully about this before buying insurance.

At this time, you should tell the corresponding salesman what you think, and hope that the salesman can handle the surrender for yourself.

Many people regret it after buying insurance.

There are mainly reasons for the cautious key:

1.There are misunderstandings about insurance. Many people's understanding of insurance only stays on the surface of "protection", but has insufficient understanding of the type, terms, and coverage of insurance products, so it is easy to be misled or misunderstood when purchasing insurance.

2.Lack of risk awareness. Many people will see the purchase of Escort Insurance as an investment in the expectation of the expected returns.

But in reality, insurance is a product that is mainly used for risk protection. If you buy insurance only to get a return on your investment, and not really realize the risks you may face in life, you will regret it later when you make a claim.

3.I didn't choose the right insurance product for me. Different people face different risk profiles and insurance needs, and different insurance products are also suitable for different people. If the insurance product you buy doesn't match your needs, you will regret it when you make a claim later.

4.There was fraud in the purchase of the insurance. Some bad insurance salespeople will use methods such as exaggerating promises and withholding information to deceive consumers. If you are deceived when you buy insurance, you may be lenient and regret it later when you make a claim.

Look at your policy, there is a cash value table in the policy, and the cash value corresponding to the third year is the money you can get back when you surrender the policy.

1. Surrender is divided into the following two situations:

1.Cooling-off period surrender: Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

2.Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender.

Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application. The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

2. How much money can be refunded by the policy, which is divided into these three situations:

1) Full Surrender:

1.Surrender during the hesitation period: There is a hesitation period for the purchase of insurance, and the surrender of the insurance during the hesitation period can return all the premiums, and the cost of about 10 yuan will be charged, and the hesitation period is usually calculated after the contract receipt is signed, generally speaking, it is 10-15 days, and the contract will be written.

2.Signed: Due to the non-standard operation of some salesmen, the person who signed the insurance contract is not the person, in this case, you can apply for a full refund.

3.There is evidence: If it can be proved that the ** person violated the operation or deceived the consumer, the full premium can also be refunded by applying for surrender.

2) Return the cash value.

If the policy is surrendered outside the hesitation period, only the cash value can be refunded, and only savings life insurance has cash value, such as endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, universal insurance and participating insuranceOne-year medical insurance, accident insurance, etc., generally have no cash value.

The so-called cash value refers to the value of the mu key of the life insurance policy with the nature of savings. Insurers usually draw a liability reserve to fulfill their contractual obligations, which is often referred to as the "cash value", and the cash value increases with the number of years of contributions, so the cash value changes. This ever-changing cash value is the amount of money you can get when you surrender the policy (the cancellation amount), and you can find the corresponding cash value for that year according to the cash value table for which year you surrender the policy, and that number is the amount you can get back when you surrender the policy.

If you buy it, you don't have it, and you have two choices.

1. Directly ignore the damage to the jujube and abandon the insurance.

Second, discuss with the insurance stool company to replace the insurance, and it depends on the situation whether it is successful or not.

Insurance companies have standard contracts, so it's hard to find faults. Therefore, when buying insurance, you must read the insurance items on the contract clearly. Avoid regrets.

I regret buying insurance because you don't know about insurance. Anyone who knows about insurance won't regret it.

It is recommended that you go to Xiangwu from formal channels to have an in-depth understanding of insurance, and then to understand the role of the insurance you buy.

If you still want to know more about insurance, pay attention to me and send me a private message, you will get more detailed rent or detailed and more professional answers.

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"