Ping An Insurance Anxing Insurance pays 122,760 yuan Can it be refunded after expiration?

Xueba talks about insurance, focusing on insurance evaluation! Critical illness insurance can not be bought casually, you should choose carefully according to your needs, if you carelessly buy the wrong insurance to surrender the policy, it is likely to cause economic losses, and these critical illness insurance are relatively easy to make people regret buyingTop 10 [Not Worth Buying] Critical Illness Insurance Points!

The policy can only be surrendered in full if the policy is surrendered during the cooling-off period. After the cooling-off period, the policy can only be surrendered based on the cash value of the policy. The cash value can be calculated as follows:

Some people don't think carefully about buying insurance, so they buy it casually, but then they feel that the insurance is not good enough and want to surrender it. Then don't be sloppy about surrendering, we should all know these key knowledge points of surrenderHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Normally, a certain amount of premium will be lost when the policy is surrendered, but there are two exceptions:

1.Cooling-off period surrender:About 10-15 days after the purchase of the insurance is the hesitation period of the insurance, and if you surrender the insurance within this period, you can get the full premium back;

2.Sales misleading:If the salesman's operation is not standardized when you buy the insurance, and the signature of the insurance contract is signed by someone else instead of yourself, it is possible to refund the entire premium.

In addition to these circumstances, there will be a certain degree of economic loss, at this time what we can do is to try to reduce the loss, for example, you can choose to reduce the amount of payment:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

Such economic losses will be less than surrender, but whether everyone can use this plan to deal with it, whether the insurance can be handled in this way still needs to be confirmed with the insurance company.

In addition,These are also key situations for surrender:

It is generally recommended to choose the time to withdraw the insurance after the new insurance has been purchased and the waiting period for the new insurance has passed, so that the protection will not be interrupted.

2.Health Status:If your health is not as good as before, it is very likely that you will not be able to pass the health notification of the new insurance, in which case it is not a good option to surrender the policy.

3.Payment card balance:If you have made the decision to surrender the policy, you should check the bank card used to pay the premium, do not deposit any more money in it and take out all the remaining money, so as not to be deducted when the payment period comes. Hope!

After the expiration of the contract, it is possible, but this rate is relatively high, the short-term accident insurance is much cheaper, 500,000 insurance is only a few hundred yuan a year, of course, if you do not have much financial pressure, this is not bad, if you want this kind of return accident, you can consider some Xintai, Sunshine, Anbang, the rate is much lower than Ping An.

1. How much can be refunded by 100% surrender of Ping An An's peace of mind.

Ping An peace of mind is 100%, how much money can be refunded when this insurance is surrendered depends mainly on the timing of surrender, and it is possible that all the premiums may be refunded, or only 20% of the premiums will be refunded.

1. Refund the entire premium.

For example, if you surrender the policy during the cooling-off period, you can get a full refund of the premium, or you can provide evidence to prove that your insurance application process is not standardized.

2. Refund part of the premium.

If you do not meet the conditions for refunding all the premiums, you can only refund part of the premiums, and the cash value of the policy is generally about 20% and 70% of the premiums, and the corresponding cash value is different from each year, which is subject to the refund of Ping An Insurance Company.

2. What is the 100% surrender process of Ping An An's peace of mind?

1. Submit an application for surrender.

After you decide to go through the surrender procedures, you must first apply for surrender with Ping An Insurance Company, fill in the surrender application form, and write clearly the reason and time for surrender on the application form, so as to facilitate the review by the staff of Ping An Insurance Company.

2. Provide surrender information.

Finally, it is necessary to provide the information required for surrender according to the requirements of Ping An Insurance Company.

3. Wait for the surrender procedure.

After receiving the information, the staff of Ping An Insurance Company will review it, and after the review is completed, it will go through the surrender procedures. If the information provided is incorrect, you will be asked to provide it again, and you should try to provide the completion information at one time to avoid affecting the progress of the surrender.

3. Is it cost-effective to surrender 100% of the insurance with peace of mind?

In general, it is not very cost-effective to surrender 100% of Ping An Anxin, mainly because of the loss, but if the reason for your surrender is that the premium is too high or the protection is incomplete, it is still more cost-effective, after all, we must stop the loss in time after we find the defect.

However, in the case of non-essential circumstances, it is still not recommended to surrender the policy, after all, the surrender of the policy will face a double loss of premium and protection. In fact, we can consider applying for a policy loan, or paying it off at a reduced amount, so as to avoid the loss caused by surrender and solve our premium problem.

I hope the article shared today can let you know how much money can be refunded by Ping An Insurance, of course, if you have any questions, you can leave a message in the background to consult Hornet.

1. I don't know what type of insurance the subject has purchased. If the policy is surrendered within the cooling-off period, the insurance company can refund the full amount and there is no loss to the policyholder. Generally, the insurance company will take 10-20 days from the date of receipt of the contract as the hesitation period, which is similar to the "7-day no reason to return" of **.

During the hesitation period, the policyholder can surrender the policy unconditionally, and the insurance company will charge a maximum of 10 yuan for the production cost, so there is basically no loss for the policyholder. If you want to surrender the policy after the cooling-off period, you can also do so, but the loss will be relatively large. Because the policy is surrendered after the cooling-off period, the insurance company is no longer a full refund, but the cash value of the surrender policy.

Cash value, simply understood, is how much your policy is worth after deducting various expenses such as insurance premiums, operating expenses, and marketing expenses from the insurance company.

2. Ping An Insurance surrender is divided into two situations: hesitation period surrender and normal surrender, the user has a certain period of hesitation period after applying for insurance, and no fees will be deducted during this period of surrender, and the insurance amount will be refunded in full. If the policy is surrendered during the non-hesitation period, it can only be surrendered at the current value agreed in the contract, and the principal may be lost by about 50%, or even higher.

Taking wealth management insurance as an example, the hesitation period surrender refers to the policyholder's application for surrender within 10 days after receiving the insurance contract (15 days for the bancassurance channel), at this time, the surrender only deducts the cost of production, rather than the amount of loss of the surrender of the wealth management insurance during the hesitation period, depending on the cash value of the purchase of wealth management insurance, if there is a fixed return or dividends to be calculated.

The cash value of financial insurance is generally very low, and the loss for the policyholder is relatively large, and even only 20% can be refunded. Generally speaking, in the first or second year of buying insurance, the amount of money obtained from the surrender of wealth management insurance is relatively small compared to the principal, and the principal cannot be returned. The policy can only be surrendered at maturity to protect the user's interests.

If the insurance purchased by the user is a participating insurance, the principal may be lost by about 50% after surrender, and the highest can even reach 70% to 80%. If it is annuity insurance or whole life insurance, only one to half of the premium paid can be recovered when the policy is surrendered later, and it may only be about 20%-30% of the premium, and the specific amount depends on the actual situation. It is recommended that users consider carefully before applying for insurance to avoid financial losses.

Users should note that the surrender needs to be handled by the policyholder himself, and the contract, ID card, and bank card should be handled by the insurance company, and the surrender needs to deduct handling fees ranging from the amount, and the specific amount is calculated by the system.

Surrender is according to the cash value agreed in the contract, look at the cash value table of the insurance contract to know, there will be a loss in surrender, see the scope of insurance liability if it is useful, it is best to consider clearly.

Summary. Hello, I'm glad to answer for you that you can refund, but the renewal premium just deducted is not a full refund, renewal generally refers to the payment of a period of insurance, the next year's premium needs to be paid, once the deduction, if you need to refund, it depends on the situation, generally speaking, you can only handle the insurance surrender.

Ping An renewal premium refund.

Hello, I'm glad to answer for you that you can refund, but the renewal premium just deducted is not a full refund, renewal generally refers to the payment of a period of insurance, the next year's premium needs to be paid, once the deduction, if you need to refund, it depends on the situation, generally speaking, you can only handle the insurance surrender.

Ping An renewal premium can be refunded, but the renewal premium just deducted is not a full refund, renewal generally refers to the payment of a period of insurance, the next year's premium needs to be paid, once the deduction, if you need to refund, it needs to depend on the situation, generally speaking, you can only handle the insurance surrender.

Expansion Insurance refund refers to the fact that the insurance company has to refund part or all of the premium to the policyholder in accordance with the contract due to some willingness of the policy. For example, during the validity period of the insurance contract, the subject matter of the insurance is ** or transferred, and the insured applies for surrender in the middle of the policy.

Summary. Ping An Anxin 100% is a long-term accident insurance product, which mainly pays for major accidents caused by total disability or death, which is usually a one-time payment, which has nothing to do with the first expense, and belongs to the payment type of insurance.

This product launched by Ping An Life protects up to the age of 75, with an annual premium of several thousand, which requires continuous payment for more than ten or twenty years, which is also a large expense.

Ping An's peace of mind is 100% paid for three years and wants to surrender the policy.

Ping An Anxin 100% is a long-term accident insurance product, which mainly pays for major accidents caused by total disability or death of limbs, usually a one-time payment, which has nothing to do with the historical hereditary ** expenses, and belongs to the payment type of insurance. This product launched by Ping An Life is guaranteed until the age of 75, with an annual premium of several thousand, and it needs to be paid continuously for more than ten or twenty years, which is also a large expense.

Pay 2500 every year for three years, how much money can be refunded.

There is no loss when the policy is surrendered during the cooling-off period, and there will be a certain loss when the policy is surrendered after the cooling-off period. 01 Surrender during the hesitation period, from the day after signing the 100% contract of Pinglian Ling Pants, there is a 20-day hesitation period for Wang Lao. During this period, the policyholder can seriously consider whether the protection content of this contract is in line with the actual needs, and can terminate the main insurance contract within 20 days, and Ping An Life will refund all the insurance premiums paid without interest.

When terminating the main insurance contract, you need to fill out a surrender application form and provide the insurance contract signed at that time and a valid ID. This contract shall be formally terminated upon receipt of a written application for termination of the contract by Ping An Life, and the insured events occurring before the termination of the contract shall not be covered by the insurance.

02 After the hesitation period, you can also apply for the cancellation of the contract, and you must fill out the contract application form in addition to the contract application form, and provide the insurance contract and valid identity documents. Upon receipt of the application for termination, Ping An Life will terminate the contract and refund the cash value of the main insurance contract within 30 days. After the termination of the contract, not only does the coverage lapse but the cash value returned is much less than the premiums paid.

Ping An Insurance paid for three years and surrendered the policy, and could only get back the value of the current reserve for the policy. This is because the surrender after the cooling-off period will be regarded as a normal surrender, and only the cash value of the policy will be returned according to the provisions of the Insurance Law. It is possible that the premium paid by the policyholder at the beginning was tens of thousands of yuan, but after the insurance company deducted a series of expenses, only a few thousand yuan was finally returned to the policyholder.

This specific will be recorded in detail in the insurance policy of the insurance company that the policyholder has insured, and if the policyholder does not know the specific amount, he can also call the insurance company to inquire.

The corresponding handling fee, service fee, etc. will be deducted. For the specific amount, you can call Ping An **95511 for consultation.

Hope it helps. <

Okay thank you.

Ping An Insurance is refundable during the payment period.

The exact surrender amount depends on whether you are in a cooling-off period, and the surrender after the cooling-off period depends on the specific product type.

1.If the policy is surrendered during the cooling-off period, the insurance company will refund the insurance premium in full without causing any financial loss. If insured outside of the cooling-off period, only its cash value will be refunded.

2.Savings critical illness insurance, whole life insurance, can only refund the cash value, and the premium will be refunded in 27 years at the earliest;

3.For return-type critical illness insurance, the premium can only be refunded after the payment of the fee within the agreed return and source change period, and the surrender can only be refunded in cash;

4. Dividend insurance: After paying the fee, only the cash value can be refunded, and the dividend is not paid.

5.Annuity Troublesome Hu Insurance: Refund the cash value and not receive the survival fund;

6.Universal Insurance: Refund the account value after paying the fee;

7.Refund Accident Insurance: Pay a full refund of the cash value, and the premium will be refunded when due.

Ping An Insurance surrenders the policy as follows:

1.Go to the counter of Ping An Insurance Company to manually surrender the policy, and you only need to bring your ID card, insurance policy, bank account, fill in the surrender application and submit the materials to surrender the policy.

3. You can contact the salesman of Ping An Insurance Company, hand over the policy, personal ID card, bank account and other information to the insurance salesman, and handle the surrender on behalf of you.