How to surrender the universal insurance life pension

1. Can pension insurance be refunded?

Pension insurance can be refunded, the conditions are relatively strict, not at any time the insured can apply for surrender, specific can apply for surrender of special circumstances

First, if the insured pays repeatedly, according to the relevant regulations, the insured can apply to the relevant departments for surrender in multiple places or participating in multiple basic pension insurance;

Second, the insured has not paid for 15 years, and the pension insurance has been paid for 15 years in order to enjoy lifelong protection after retirement, and the insured has not paid for 15 years before retirement, and is unwilling to pay for 15 years, can apply to the social security bureau at that time to surrender;

Third, if the insured dies on the job and the insured dies during the payment period, the legal heirs of the insured can apply for surrender and withdraw the money in the account;

Fourth, the insured person who settles abroad and does not belong to his own citizens does not have the obligation to enjoy the guarantee, and can apply for surrender before settling abroad.

Second, how to surrender the pension insurance process.

When the insured applies for surrender after meeting the conditions for surrender, the unit and individual shall first go through the procedures for social insurance suspension, fill in the reduction form and stamp the official seal of the unit;

Secondly, the individual fills in an application form for one-time living allowance for pension insurance surrender and unemployment insurance, which is stamped and signed by the unit, and then the insured person brings his or her original ID card (copy) to the social security department to which the pension insurance belongs for surrender;

Finally, the insured fills in the surrender materials, and after submitting them, the Social Security Bureau will review them, and a document will be issued after the review is passed, and the individual will go to the bank to receive the surrender fee according to the content of the document.

Alipay National Life Pension is an old-age pension insurance underwritten by Guohua Life, which is characterized by Alipay's unique installment and flexible payment. But the yield of the product is not high. If you surrender the policy, apply directly online, enter the policy page, click More on the policy service, click on **Customer Service, and then choose to surrender the policy independently, which can basically be reviewed and approved in one day.

However, if you surrender the policy, there will be losses, so be mentally prepared.

Insurance off the shelves means that the product is no longer on the market, and the insurance company will have a new replacement product.

If you bought the product before the discontinuation, your policy is still valid, and the services that the insurance company should provide will not shrink, these are covered by the insurance contract and will not be affected by the discontinuation.

Of course, you have to look at the insurance period of the insured product.

Like medical insurance or accident insurance.

These short-term products are re-insured every year. If the product has been discontinued by the time the second year is re-insured, it will not be available for purchase. Many people choose automatic renewal when they apply for insurance for the first time, and the insurance company automatically deducts the payment every year, so they don't feel it, they think that the product has been effective, but in fact, it is a new policy signed every year.

Long-term insurance will be less affected. If the insurance period is a lifetime product, it will not be affected at all.

You're buying a lifetime pension.

The product, the discontinuation of the sale has no impact on you, you can rest assured to hold it, and wait until retirement to receive a pension every year.

Surrender is also possible, but only the current cash value can be refunded.

There may be a big loss, so you have to weigh it yourself.

Minya professional insurance brokers, welcome to consult at any time.

There are two ways to surrender Alipay's universal insurance lifetime pension, one is to enter the Alipay universal insurance insurance details, and then click [Customer Service] in the upper right corner - search for [How to surrender the national insurance] to enter the application for surrender. The second is to call Chinese Life Insurance **95518 to apply for surrender. If you want to check the specific situation of the national insurance policy you have insured before surrendering the policy, you can check it in the Alipay client through [My] - [Ant Insurance] - [My] - [Policy].

Alipay National Insurance Life Pension needs to pay attention to:

Days' hesitation period: There is a 15-day hesitation period after the successful payment of the insurance of All-People's Treasure, if the policy is surrendered within this period, the insurance company will refund all the premiums that have been paid, if the application for surrender beyond the hesitation period, it will suffer a certain economic loss.

1. **Surrender: Users can directly call 95188 manual customer service to apply for insurance surrender.

2. Online surrender: Users can open the Alipay app, enter the Ant Insurance underwriting page, click "Customer Service" in the upper right corner, and enter "National Insurance Surrender" in the dialog box, and the surrender entrance will pop up on the page, and the surrender can be completed by following the prompts.

3. It should be reminded that there is a 15-day hesitation period for the universal insurance whole life endowment insurance, and the entire premium can be refunded if you apply for surrender during the hesitation period, and the cash value of the policy will only be refunded if you apply for surrender after the hesitation period.

The steps for the surrender of the universal insurance whole pension are as follows:Tools: iphone13, Alipay.

2. Find the pension award policy in the policy and click [Customer Service].

3. Find the automatic surrender in the common tools and initiate the surrender application.

Precautions for universal insurance for life pensionNational Insurance Whole Life Pension is an annuity insurance product that can protect life, after the policy takes effect, the policyholder has a 15-day hesitation period, if you want to surrender the policy, it is best to make a decision within these 15 days; If you plan to buy this kind of insurance, you must consider all aspects, otherwise you will lose yourself.

If the policy is surrendered during the cooling-off period, the platform will refund the premium paid without interest, and if the policy is surrendered before the first policy day (exclusive) after the insured reaches the age of 80 after the cooling-off period, the platform will not charge any handling fee to refund the cash value of the policy, which may cause certain losses to the policyholder.

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For example, the universal insurance lifetime pension insurance has a 15-day hesitation period, and if you apply for surrender during the hesitation period, you will lose about 10 yuan at most, and you can get back all the premiums paid. If you surrender the policy beyond the 15-day cooling-off period, you can only get back the cash value of the policy, and you can only refund about 30% of the 70% of the premium paid.

It is impossible to have a certain accurate figure on how much the education fund will lose when surrendered, and it is still necessary to analyze it according to the specific insurance product, the surrender loss of different policies is different, and the surrender loss of the same policy in different periods is also different.

Is there a loss if the universal insurance lifetime pension has been paid for three years?

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For example, the national insurance lifetime pension insurance has a 15-day hesitation period, and if you apply for surrender during the hesitation period, you will lose at most about 10 yuan of the cost of the service, and you can get back all the premiums paid. If you surrender the policy beyond the 15-day cooling-off period, you can only get back the cash value of the policy, and you can only refund about 30% of the 70% of the premium paid.

It is impossible to have a certain accurate figure on how much the education fund will lose when surrendered, and it is still necessary to analyze it according to the specific insurance product, the surrender loss of different policies is different, and the surrender loss of the same policy in different periods is also different.

Legal basis: "Opinions on Printing and Distributing the Implementation of the "National Social Security Project" Article 3 (1) Encourage the majority of workers to participate in the basic pension insurance for employees and the basic medical insurance for employees It is necessary to increase the guidance of employment public services and social security subsidy policies, and encourage the majority of workers to participate in the basic old-age insurance for urban workers and the basic medical insurance for workers through formal employment, flexible employment, self-employment and other forms of employment, so as to make it the main social security of the masses in our region. Encourage workers to enter enterprises, public institutions, and social organizations to achieve regular employment and participate in social insurance for urban workers.

After the cooling-off period, the platform will refund the premium paid without interest, and after the cooling-off period, before the first policy day after the insured's 80th birthday, the platform will not charge any handling fee to refund the cash value of the policyholder's policy, which may cause certain losses to the policyholder.

Social insurance refers to a social and economic system that provides income or compensation to a population that is incapacitated, temporarily unemployed, or lost due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as social insurance tax, and under the condition of meeting certain conditions, the insured can obtain a fixed income or compensation for losses from the Ji Xian Wei sedan fund, it is a redistribution system, and its goal is to ensure the reproduction of material and labor force and social stability.

In China, social insurance is an important part of the social security system, and it occupies a central position in the entire social security system. In addition, social insurance is a kind of contributory social security, and the funds are mainly paid by the employer and the worker himself, and the government will subsidize and bear the ultimate responsibility. However, only when the worker fulfills the statutory payment obligation and meets the statutory conditions can he enjoy the corresponding social insurance benefits.

Social insurance is one of the most important components of the social security system. Therefore, when discussing the history of social insurance, social insurance cannot be taken out of social security.

Social insurance refers to the system in which the state compulsorily establishes social insurance through legislation to give necessary material assistance to workers participating in labor relations when they lose their ability to work or become unemployed, and social insurance is not for profit.

Social insurance is mainly through the raising of social insurance, and within a certain range of social insurance ** to implement the overall adjustment to workers when they encounter labor risks to give necessary help, social insurance to workers is to provide basic living security, as long as workers meet the conditions for enjoying social insurance, that is, or with the employer to establish a labor relationship, or has paid various social insurance premiums in accordance with the regulations, you can enjoy social insurance. Social insurance is the core content of the social security system.

Social Insurance Law of the People's Republic of China

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.