How to surrender China Life Insurance is cost effective

Surrender is calculated based on the cash value stated in the contract. In the first few pages of the insurance contract, there are several records about the cash value, and the first column above is written "** cash value corresponding to the basic benefit", about the amount corresponding to the first year, the second year,,, and so on. At this time, you see what amount corresponds to the nth year, and the above is the result of how much you should receive.

Continue to pay, it will take 3 years, a total of 15,000 yuan, 7 years to get back 10,000, 12 years to get back the remaining 10,000 5 is equal to pay for another 3 years, and then 12 years to get the money back for the 3 years Now you need to consider the question of whether it is worth it Of course, during this period, you also get a guarantee that should also be considered together A: Disease life insurance Illness death insurance annual premium The number of years of payment at the time of death 105% 5000 yuan * 5 years * 105% =26,000 yuan two types: accidental life insurance accidental death insurance annual premium payment number of years at the time of death 200% 5,000 yuan * 5 years * 200% = 50,000 yuan three types:

Catastrophe life insurance (covering six major natural disasters, floods, typhoons, tsunamis, mudslides, and landslides) Accidental death insurance benefits for major natural disasters Annual premium paid The number of years of payment at the time of death 300% 5000 yuan * 5 years * 300% = 10,000 It is recommended that if paying these money does not affect your normal life, it is better to pay it before buying insurance next time, I hope you can understand some insurance knowledge in case you are fooled again.

I'm sorry, no matter how you surrender the policy, you can't get your 10,000, so I suggest you still pay it full, so at least you won't lose money.

Friends, remember that as long as the insurance is surrendered, it is you who loses. It's like when you do engineering, unilaterally default.

Remember: as long as the policy is surrendered, there is no cost-effective, only you will lose!

Summary. 1.The cash surrender value is calculated as follows: cash value = premium * 65% * (1-m n), m is the number of days that have been in effect, n is the number of days during the insurance period.

2.Generally speaking, different types of policies have different cash values, such as: endowment insurance, whole life insurance, term life insurance, endowment insurance, universal insurance, participating insurance, etc., which have cash value.

At the time of surrender, there will be a surrender fee. Short-term accident insurance, term life insurance, health insurance, and home contents insurance usually do not have cash value.

How to calculate the surrender of China Life Happiness Life.

Hello dear. I have received your question. I'm in the process of collating relevant information and content. I'm typing for a little time now, and I hope you'll be patient for five minutes or so.

It has been paid for 10 years.

Guaranteed in May 2012.

How to surrender China Life Fortune Life Insurance? Answer: the same, the full refund during the cooling-off period, after the cooling-off period, the cash value of the refund Q:

What happens if China Life Fortune Life Insurance (Participating) is surrendered? A: You can call 95519 to ask Chinese Life customer service to inquire about the cash value, but I can tell you with certainty that the principal will not be returned.

1.The cash surrender value is calculated as follows: cash value = premium * 65% * (1-m n), m is the number of days that have been in effect, n is the number of days during the insurance period.

2.Generally speaking, different types of policies have different cash values, such as: endowment insurance, whole life insurance, term life insurance, endowment insurance, universal insurance, participating insurance, etc., which have cash value.

At the time of surrender, there will be a surrender fee. Short-term accident insurance, term life insurance, health insurance, and home contents insurance usually do not have cash value.

In layman's terms, you can only get the cash value back when you surrender the policy. To deduct a series of fees such as your commission, account management fee, liquidated damages, etc., generally speaking, the insurance company will refund you between 30% and 70%. The vast majority of insurance companies refund about 40%.

At this time, you will lose a lot of money when you surrender the policy.

Hello friends, I have finished your question, what doubts do you have and can continue to consult me? Have a great day.

Generally, the way to receive the life insurance is mainly to accumulate interest and cash collection, if the policyholder and the insured are the same person, they must bring the policy, and the identity refers to the original auspicious certificate, bank card or fold. If it is not the same person, the insured person should bring his or her original ID card to the nearest branch office.

As for the payment method, first of all, the annual dividend policyholder will receive it in cash, and if it is not received, the dividend will be stored in the policyholder's policy and will not increase in value. The accumulation of interest is that the customer can not take away the dividends every year, it will be accumulated in the policy account, the insurance company will compound interest to the policyholder, no matter when the money is used, you can apply to the insurance company at any time to receive, considering the maximum benefit, it is generally recommended to choose the accumulation of interest, which will be more beneficial and convenient to receive. Cash pick-up can be converted to earn interest, while interest-accumulating cannot be converted to cash pick-up.

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

Hello dear! Generally, the way to receive the life insurance is mainly to accumulate interest and cash collection, if the policyholder and the insured are the same person, they must bring the policy, the original ID card, bank card or fold. If Zicong is not the same person, the insured person should bring his original ID card to the nearest branch office.

Regarding the payment method, first of all, cash collection, the annual dividend policyholder receives in cash, if not received, the dividend will be stored in the policyholder's policy without increasing value. The accumulation of interest is that the customer can not take away the cherry blossom dividend every year, it will be accumulated in the policy account, the insurance company will compound interest to the policyholder, no matter when the money is used, you can apply to the insurance company at any time to receive, considering the maximum benefit, it is generally recommended to choose the accumulation of interest, which will be more beneficial to receive and convenient. Cash pick-up can be converted into accumulation of interest, and accumulation of interest is not convertible for cash pick-up.

Hello, dear and dear, I am happy to answer your questions, your question is not as follows: how much can China Life Enjoy Life Insurance be paid at the end of the insurance premium, according to the % of the insurance premium paid (excluding interest). Hello!

Deposit China Life Insurance (Dividend) enjoys the dividends of China Life's operating benefits every year from the beginning of saving, and the dividends of 1,000 will not be too much; There is no annual principal return. But the insured survived to the top.

10. On the corresponding date of the fifteenth effective date, the company shall pay the survival insurance premium according to the % of the insurance premium (excluding interest) paid before the inspection. After the premium is returned, the benefits and dividends will continue to be provided until the age of 70. There are three types of protection at the same time:

Illness death insurance benefit = annual premium paid 105% of the number of years of payment at the time of death, accidental death insurance benefit = annual premium paid 200% of the number of years of payment at the time of death, accidental death benefit of major natural disasters = annual premium paid 300% of the number of years of payment at the time of death (covering six major natural disasters such as **, flood, typhoon, tsunami, mudslide and landslide).

You can't get the principal back after 5 years.

Surrender is calculated based on the cash value stated in the contract. There are several pages of the insurance contract that are related to the cash value, and the first column above is written "** cash value corresponding to the basic benefit", about the corresponding amount from the first year, the second year,,, and so on. You see what amount corresponds to the first year, and above is the amount you should receive.

It is advisable to pay the money if it does not affect your normal life.

During this period, you have three types of protection: 1. Illness life insurance: death insurance benefit of illness Annual premium paid 105% of the number of years paid at the time of death; 2. Accidental life protection:

Accidental Death Benefit Annual premium 200% of the number of years paid at the time of death; 3. Catastrophe life insurance: (covering six major natural disasters, floods, typhoons, tsunamis, mudslides, and landslides) Accidental death insurance benefits for major natural disasters Annual premium paid at the time of death 300% of the number of years paid at the time of death

During this period, two refunds are obtained: the insured survives to the top.

10. On the corresponding date of the fifteenth effective date, the company shall pay the survival insurance premium according to the % of the insurance premium (excluding interest) paid.

During this period, you will have long-term care: you will continue to receive protection and dividends after the premium is returned until you reach the age of 70.

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

Summary. I have a friend who has recently purchased China Life Life Insurance (Participating) and he thinks it is a good choice because it provides comprehensive protection while also receiving regular dividend income. Fortune Insurance (Participating) is a comprehensive insurance product that can provide life protection, accident protection and dividend income.

It can meet the different needs of policyholders, provide comprehensive protection, and at the same time get regular dividend income, so that policyholders can get more benefits. Expansion: In addition, China Life Anxiang Life Insurance (Participating) can also provide policyholders with more flexibility, and policyholders can freely choose the insurance period, sum insured and payment method according to their actual situation, so as to better meet their own insurance needs.

I have a friend who has recently purchased China Life Life Insurance (Participating) and he thinks it is a good choice because it provides comprehensive protection while also receiving regular dividend income. Solution's Life Insurance (Participating) is a comprehensive insurance product that can provide life protection, accident protection and dividend income. It can meet the different needs of policyholders, provide comprehensive protection, and at the same time, you can also get regular Yunkuo dividend income, so that policyholders can get more income.

Expansion: In addition, China Life Anxiang Life Insurance (Participating) can also provide policyholders with more flexibility, and policyholders can freely choose the insurance term, sum insured and payment method according to their actual situation, so as to better meet their needs for surplus-based insurance.

Fellow, I really didn't understand, I can be more specific.

In response to your question, I can provide the following solutions:1China Life Insurance (Participating) is a comprehensive insurance product that can provide both protection and investment income.

It can provide protection for up to 30 years, and dividends can be paid every year during the roll-forward protection period, and the premium can be adjusted according to the investment income. 2.In addition, China Life Insurance (Participating) can also provide lifelong protection, during which investment income can be obtained, and the premium can be adjusted according to the loss income of the investment min.