How much can I get back when I surrender my insurance? What is the trick to a full refund?

First, make the most of the hesitation period. General insurance companies stipulate that the policy has a cooling-off period of 10 to 15 days. In case of withdrawal of insurance during the cooling-off period, 100% of the premium will be refunded to the customer.

The cost of an insurance policy is deductible at most and is basically negligible. However, different insurance companies, different types of insurance, and different insurance channels may have different hesitation periods, which need to be clarified before applying for insurance.

Secondly, the policy applied for is not valid. After the cooling-off period, only the cash value of the policy can be returned. If you want to surrender completely, you need to master some skills, but that doesn't mean you'll succeed.

You should know that to buy insurance, you need to sign an insurance contract, which you need to sign yourself. If I don't make a copy of the policy receipt, insurance application, insurance notice, and risk warning, or don't sign it in person, I can request a policy lapse. In addition, the insurance company will usually give you back after you have taken out the insurance**.

If there is no risk associated with the callback, you can also apply for lapse of the policy. However, if you deliberately refuse to answer** and thus fail to warn of the associated risks, you cannot apply for void of the policy.

Of course, find a professional team. The professional team has a wealth of experience in full refund insurance. They can quickly find links that they can quickly and completely abandon, and they also contact many such clients and brokers of insurance companies.

This process can also be shortened a lot. If you are unable to receive your policy in time due to special circumstances, it is best to notify the insurance company in advance. Secondly, after receiving the insurance policy, the policy receipt must be filled out and dated in person.

Because the cooling-off period determined by the insurance company is calculated from the date of receipt.

Finally, in the case of a surrender, the applicant does not need any reason, but must submit a written application to the insurance company, and the verbal request is invalid. The above is the content of the complete surrender of know-how. Customers can surrender the policy in full according to the actual situation, but the surrender still needs to be handled with caution.

Surrender may be at risk of losing the original insurance contract and harming its legitimate rights and interests. We must decide whether to surrender the policy based on our own circumstances.

This should be determined according to the actual situation, under normal circumstances, the surrender money is very small, and if you want to surrender the policy in full, you must prove that the other party has a problem, or surrender the policy during the cooling-off period.

If you can get a full refund during the cooling-off period, if you don't get a full refund within the cooling-off period, you may get a refund of about 70-80%. To make reasonable use of the cooling-off period, you can apply for the policy to be invalid, understand the shortcomings in the policy, and learn to use the contract reasonably.

Generally speaking, the surrender of the insurance policy is largely not refundable.

The hesitation period of the insurance is generally 10 to 15 days, and the consumer generally has no loss or the loss is relatively small, and the insurance company will refund the premium paid by the consumer in full.

Surrender after the cooling-off period, after the cooling-off period, the surrender insurance company usually only refunds the cash value of the policy. The cash value is the money that can be returned when the policy is surrendered, the cash value of the policy is generally written in the insurance contract, the cash value is usually related to the payment time, the longer the policy is in force, the higher the cash value. If the policy is surrendered for a relatively short period of time, the cash value of the policy is very low and there will be a greater financial loss.

If the policy is in force for a long time, the cash value is already considerable, the surrender loss is not so large, and some types of insurance may exceed the sum insured if the policy is in force for a particularly long time.

If we want to surrender the insurance, we can directly consult the corresponding customer service staff and let the customer service staff handle the relevant surrender procedures for us. We can also choose to surrender the product on the official platform of the insurance product, we click on our product details, and then choose to apply for surrender. If we are within the cooling-off period, we can apply for a full refund.

Or if we are misleading, we can also apply for a full surrender of the insurance product. <>

When we buy insurance products, we must understand and analyze these products accordingly, and listen to the opinions of professionals around us, and try to choose the insurance products that are suitable for us. If you want to surrender the insurance product after buying it, it can be regarded as a more troublesome thing, so it is best to determine whether to buy the corresponding insurance product after careful selection? <>

When we buy insurance products, if we want to surrender the insurance policy better, it is best for us to surrender the policy within the hesitation period, so as to comply with the relevant process. When signing an insurance contract, we should have a detailed understanding of the coverage and precautions in the contract, and carefully analyze the quality of the product, whether it is in line with its actual situation, etc. <>

As an insured, we can choose to unconditionally terminate the insurance contract during this period, and the insurance company will only deduct a certain amount of costs and will not deduct the rest of the costs. Normally, after we buy an insurance product, the hesitation period of the insurance product is about 10 days to 15 days, we must make reasonable use of this time, and we must be careful before purchasing.

I still know a lot about surrender. When there is an error in the insurance company's business for you, the insurance company is out of the bag, the insurance company fills in the wrong personal information, the insurance company has an error in the business affairs, and the insurance company makes a mistake in your information, in this case, you can surrender the policy in full. Hail.

I have understood some of the content, and I can apply for it during the hesitation period, not autographed, and I did not receive a return visit**, there will be people who are misleading, and there will be people who recommend to themselves, in these cases, you can shout at the old to apply for surrender. Branches.

The sedan hail solution is still more than knowing clearly, and generally after the purchase of insurance, there will be a 15-day hesitation period before sailing, within this time can be fully insured, no handling fee will be deducted.

In our lives, there are many people who buy insurance mainly to avoid risks, and when the risk comes, the insurance can bear a certain loss. However, some people buy insurance on impulse, and find that this insurance is not suitable for them after buying it, so they surrender the policy, so what can be the full surrender of the insurance? Take a look down.

It is reported that insurance is now mainly divided into critical illness insurance, medical insurance, accident insurance, life insurance, etc., and it is necessary to pay attention to the content of protection when purchasing, and buy what insurance you need. Generally speaking, the insurance can be fully surrendered under these circumstances, such as during the hesitation period, signing on behalf of the applicant, not receiving the ** back and forth calls, not meeting the insurance conditions, or artificially misleading sales, so that the premium is returned in full.

In addition, if the policy is surrendered after the cooling-off period, only the cash value of the policy will be refunded, and the policyholder will bear a certain loss. Therefore, consumers are reminded that they must be cautious before taking out insurance, and the most important thing is to choose the right product for themselves, so as to avoid the occurrence of surrender.

How much principal can be refunded by my brothers' surrender is mainly divided into two situations, one is to surrender during the hesitation period, and the other is to exceed the hesitation period, different times have different surrender processes and calculation methods for the refund amount, see below for details

Cooling-off period: The hesitation period is equivalent to the regret period, and the agreed period is different for different insurance products, generally 10 to 20 days. If we regret it during this period, we can apply to terminate the insurance contract and return the relevant information to the insurer.

The insurer will refund all the insurance fees paid to us, at most deducting the cost of the insurance contract, which is often between 10 and 20 yuan.

The insurance company's determination of the cooling-off period is calculated at the time the policyholder receives the insurance contract, that is, from the date of receipt. Therefore, after we receive the insurance policy, we must fill in the policy receipt in person and indicate the date, so that the insurance company can identify the cooling-off period.

Beyond the cooling-off period: If the policy is surrendered after the cooling-off period, only the cash value of the policy will be refunded. The cash value of the policy can be found in the insurance contract and is calculated based on the time of premium payment.

Due to the specific circumstances of different insurance products and insurers, the amount that can be refunded will vary greatly. Generally, the longer the premium payment period, the higher the cash value of the policy.

Therefore, before applying for insurance, it is recommended that you must consider it clearly, combine your own income and assets, and compare similar products, otherwise once you surrender the insurance, the loss will be relatively large.