There are many reasons for insurance surrender, how much money can you get back from 6000 surrender?

1. Only long-term commodities can be surrendered, and generally short-term commodities (such as one-year comprehensive accident insurance, medical insurance) are consumer insurance types that are not surrendered;

2. Generally, the surrender depends on the cash value, such as education fund insurance annuity insurance, or lifetime life insurance, surrender is (education fund insurance + cash value is the total survival equity), and the same is true for critical illness insurance;

3. Looking at the design of products, in terms of critical illness insurance, the age, payment, insurance period, and insurance amount of the insured are closely related to each other in general and different commodities, and cannot be generalized.

In fact, looking at the cash value of surrender, Xi Caijun combed long-term commodities such as critical illness insurance and lifetime life insurance as examples, let's take a look at how much it costs to get back 6000 surrender

A 30-year-old man, buy 300,000 insurance amount of Xintai Golden Gourd (Initial Version) critical illness insurance, according to 30 years of payment, to ensure life, the obligation is: basic protection + death benefit, 1) the first year of each year payment: is fixed 6003 yuan a year;

2) Total insurance premiums: 180,090 yuan in total;

3) Cash Value:

In the first year, at the age of 31, you can get back 84 yuan;

In the fourth year, at the age of 34, he can get back 3,606 yuan;

In the tenth year, at the age of 40, he can get back 26,268 yuan;

In the twentieth year, at the age of 50, 82,287 yuan can be recovered;

In the thirty-seventh year, at the age of 67, he can get back 180438 yuan (profit);

In the fortieth year, at the age of 70, he can get back 195441 yuan;

The fiftieth year, 80 years old, can get back 242088 yuan;

It is not difficult to see how much it costs to get back if the critical illness insurance is surrendered at 6000, and it is a loss situation to take it down in the early 30 years, and the money is different for different types of goods.

1.Apply to the insurance company for surrender, for example, if you can call the insurance company's manual customer service** to apply for surrender. Another advantage of this is to be able to tell the customer service the actual materials required for surrender, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete materials;

2.To prepare the raw materials for surrender, it is generally necessary to prepare the insured's valid ID card, insurance policy, proof of payment of insurance premiums, and application report for termination of the contract. Among them, the application report for termination of the contract can generally be carried out by the insurance company for free, or it can be filled out directly at the insurance company;

3.Bring the raw materials to the insurance company to apply for surrender procedures, and there will generally be insurance company staff to help apply for surrender, generally to get back the insurance policy, and give the surrender voucher to the surrenderer;

4.The surrender money will be credited to the insured's designated bank account within the specified time. If it is an insurance and wealth management product purchased on the **, it is generally possible to apply for surrender online.

For example, if we surrender the policy during the hesitation period, then we can refund all our premiums, that is, 6000 can be refunded to us, but the insurance company may deduct 10 yuan of production costs. Of course, if we surrender the policy after the cooling-off period, then we will not be able to get the 6000 fee again, but will be deducted by the insurance company and return the cash value of the policy to us.

The surrender of 6,000 yuan is probably about to get back between 1,000 yuan and 3,000 yuan, and the expenses deducted when surrendering are still relatively large.

It depends on what kind of insurance you have purchased and how the agreement you sign provides for surrender.

First of all:1In fact, how much money can be refunded by 5,000 yuan insurance surrender needs to be decided according to the specific product insurance situation.

If you apply for surrender during the policy hesitation period, then you can get back the full amount of the premium paid, and the insurance company will deduct the cost of about 10 yuan at most, and the loss is not large.

2.However, if you choose to surrender the policy after the cooling-off period, the insurance company will only refund the policy according to the current cash value of the policy. Therefore, consumers must carefully consider when choosing to surrender the policy, and also see whether the surrender is cost-effective, because surrender after the hesitation period, the termination of insurance protection will have a certain economic loss.

Secondly, there is another situation:

If the insurer requests to surrender the commercial insurance of 5,000 yuan a year, the insurance premium will be refunded according to the cash value of one year in the appendix of the insurance contract; Being able to get 2,000 yuan back (40%) is already very good.

Then let's introduce the two cases of surrender:

Surrender is divided into cooling-off period surrender and normal surrender.

1. Surrender during the hesitation period: The policyholder surrenders the policy within the hesitation period agreed in the contract, generally within 10 or 15 days, and the insurance company will refund all the premiums after deducting the production cost;

2. Normal surrender: After the cooling-off period, the policyholder applies for termination, and the insurance company refunds the cash value of the policy or the unexpired net premium, and the insurance contract will indicate the cash value corresponding to the annual surrender, and the corresponding amount is the money that can be returned by surrendering.

Finally, let's talk about the impact of surrender on individuals

Many people choose to surrender or terminate the insurance contract after purchasing the insurance. So, what is the impact of surrender on an individual?

If you surrender the policy during the cooling-off period, there will be no financial loss, and the insurance company will refund the entire premium, deducting some of the cost of production at most; If the policy is surrendered after the cooling-off period, the premium cannot be refunded, and the insurance company generally refunds according to the cash value, so the policyholder will suffer a certain economic loss. Especially in the early stage of insurance, the policy basically has no cash value.

And in addition to the economic loss, the original protection will also disappear. If there is no insurance protection, once you encounter risks, you can only bear all the losses.

For those who are older, it is not recommended to surrender the policy in the middle of the policy. Because as you get older, the premium may be higher if you surrender the policy and then re-insure. If there is any medical condition, the insurance company may not necessarily cover it.

Of course, it is not recommended that you blindly go to insurance, it is best to choose the right insurance product according to your actual needs and take into account your own economic situation.

If you buy commercial insurance without expiration, you can only return the cash value if you buy insurance in the first year, and the premium of 5000 yuan can only be refunded a few hundred yuan, so it is recommended to buy insurance must be considered clearly. Avoid financial losses.

There are many aspects to calculate the amount of surrender, including how many years of payment, type of insurance, etc., but surrender is a death benefit.

When we refund the insurance product, we can also consult the customer service staff of this insurance product, and the customer service staff will answer a series of questions in detail, and go through the surrender procedures according to our actual situation. When we sign insurance contracts, we also need to have a detailed understanding and analysis of these insurance contracts, understand the coverage of the insurance contracts, as well as various attention clauses, and then choose the insurance products that are suitable for us according to our actual situation.

Generally, you can refund about 2,000 yuan, which mainly depends on how much money you paid at the beginning, according to the corresponding proportion, and the time you have to enjoy, you can decide the amount of surrender.

At this time, it is related to the amount of money you invested when you buy the insurance, and there is generally a fixed time limit when you surrender the policy, if you can surrender the policy in full within 15 days.

If you surrender the insurance after buying the insurance, you can get about 60% of the money back, but it is not possible to get a full refund, which is also normal.

You will receive the full amount because you have just bought the insurance, and you are going to return it, the time interval is relatively short, and the content of the insurance has not yet taken effect.

After buying insurance, you can get about 70% or 80% back, which is a better result, and it may also be refunded in half.

If we bought an insurance product six years ago, paid 6,000 yuan a year, and now want to surrender the policy, we will probably be able to return the actual policy value of this insurance product. The actual policy value of this insurance product will be clearly stipulated in the contract, and everyone is different, so we should pay attention to the relevant content in the contract. The actual policy value of each insurance product is different, so if we want to surrender the policy, we also need to make a decision according to the relevant provisions in the contract and consult the corresponding customer service staff.

If we have purchased an insurance product within a short period of time, we can normally get a full refund for this product. In other words, each product has a certain cooling-off period, within which we can get a full refund, and if we exceed the cooling-off period, we will not be able to get a full refund. <>

When we buy insurance products, we should go to a legal and formal platform to purchase, so that the insurance products we purchase can have a certain quality guarantee, and we can also enjoy the after-sales service brought to us by this insurance company. We also need to make a decision based on our own economic situation and family situation, do not buy some products and bring a certain burden to ourselves, but consider and analyze more from all aspects of life. <>

Insurance products can protect our quality of life and safety to a certain extent, we can choose to buy an insurance product for our family or for our own vehicle, or we can choose to buy a property insurance for our own property, these insurance products are very good, many families will choose to buy. Before we buy insurance products, we also need to analyze and understand these products, so as to avoid the idea of surrendering the insurance in the follow-up process, which will bring some unnecessary losses and troubles to ourselves.

At this time, it is related to the relevant regulations of the insurance company, and then the handling fee and the deposit need to be deducted when the refund is made, and the handling fee is about 15%.

He may refund half of it, because he also has to charge some other fees, and it is impossible to give you all the money to withdraw.

If you surrender the policy now, you can probably refund about 70% or 80%, and the most important thing is to have a good talk with the insurance company, so that the insurance company can deduct some handling fees.

Early surrender of insurance products is based on the cash value of the policy, and under normal circumstances, the cash value of the policy is lower than the sum insured, and the early surrender will result in the loss of principal.

Hello, I am Lee Shau Kee, who is good at lending, insurance, and banking, and has successfully solved problems for more than 20,000 people

Hello, the maximum surrender in the insurance industry is based on 70% of the amount you have paid.

Questions. How much can I get back for 12,000?

According to the insurance surrender requirements, the maximum refund can only be 8,004.

Questions. Oh, thanks.

Good friend, thank you for your affirmation, please like if you are satisfied, your praise is very important to me, thank you

The insurance can only be refunded according to the cash value table on the contract corresponding to the annual cash value, just look at the cash value table on the contract for yourself.

How much money can be refunded depends on which period you surrender the policy:

Cooling-off period. Surrender: Generally, all the insurance paid can be returned, but sometimes dozens of dollars will be deducted before the cost of starvation can be refunded, and the loss is very small.

Surrender after cooling-off period: Generally, you can only get back the cash value of this policy.

There is a cost for the insurance company to operate each product, cash value = premiums paid - operating costs of the insurance company.

The cash value of some products is fixed and not affected by the market environment, such as incremental whole life insurance.

For this type of insurance, the annual cash value will be written in the insurance contract, and you can open the policy to check it if necessary. If you surrender the policy after the hesitation period, the loss is still quite large, so you need to be cautious when surrendering.

Generally, the hesitation period is 10 days to 15 days, which is calculated from the effective date of the insurance contract, and the hesitation period may be different for different products, so the insurance contract is accurate. ）

However, it is still not easy to surrender the policy, there is a risk in surrendering.

1. Claims will be recorded.

When applying for insurance, sometimes the insurance company will also check the policyholder's claim records, refusal records and surrender records, etc., which will be ideal for the next insurance, and if the situation is serious, it will refuse to apply for insurance or be hungry.

2. Premiums may apply**.

When we buy some critical illness insurance.

Medical insurance or life insurance, etc., in addition to considering the economic loss caused by surrender, but also consider the possibility of re-purchasing insurance premiums, because with age**, it means that the risk of the insured will increase, and the difficulty of buying insurance will increase at this time, and the premiums will become more and more expensive.

3. The physical condition will affect the insurance of the shirt.

Some insurances require health notice, and health notification is sometimes very strict, if the health is in good health, there is no need to worry, but if there are some minor problems or imminent symptoms, it will affect the results of underwriting, and it is possible to increase the fee, exclude, extend the warranty or refuse the insurance.

The best way to avoid surrendering the policy is to buy the insurance that suits you at the beginning, and it is recommended to buy it with the assistance of a professional at the time of application.

I hope my spine answer is helpful to you.