Twenty years of life insurance has only been paid for ten years, and if you want to surrender the po

Why do you want to refund, you can use money to take out a policy loan, it is best not to return, how much is the cash value of ten years, but it is a pity.

Please be cautious, there is a loss in surrender, how much, please see the cash value of the policy, surrender only the cash value of the current year!

There is a loss in surrender, please consider carefully, you have persevered for ten years, just hold on for another ten years.

If you are in a hurry to use the money, you can also use the insurance policy to take out a loan.

Dear Friend:

Hello! On the question of surrender, my reply is:

1.You can look at the "cash value table" on the reverse side of page 2 of the contract, which you can directly query;

2.Generally, there is a loss in surrender, please be mentally prepared;

3.If it is health, pension, etc., it is recommended that you try not to return. Because the first is that the surrender loss is large, and the second is that if you buy it again, it will be much more expensive than the original, so it is a double loss, do you say?

4.If you are only experiencing financial difficulties for a while, you can contact your salesman at the time, or call for consultation for "policy loan".

There is a loss in surrender, depending on the cash value of the insurance contract.

It is recommended to insist on paying it out, and there will be a loss in surrender.

Hello, you have to insist on paying, don't refund much, just look at the cash value table of the policy.

Why do you want to return it? What's wrong with the product?

It depends on how much you give!

About half. If it is paid after 20 years, it is generally not possible to recover the principal. Unless it is a return-to-principal critical illness insurance, the accumulated premium can be refunded within 20 years, but both savings and consumption-based critical illness insurance are in a loss-making state.

If the principal is refunded after 20 years, only the cash value will be refunded, and the protection will be interrupted. If Taikang Health pays 100% for 20 years, it can surrender the policy, but only the cash value can be refunded, and there is no guaranteed income. If it is a 100% healthy day for example, it will basically not be able to return to the original after 20 years, and it will not be until the 31st year.

Further Information: Main Types of Surrenders:

Surrender can be divided into hesitation period surrender and normal surrender. Some insurance companies offer a negotiated surrender method in order to resolve disputes.

Cooling-off period surrender: Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract. In a long-term life insurance contract, the insurance company is usually required to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, when the insured requests to cancel or surrender the policy for any reason during the validity period of the policy.

Whole life insurance. The duration of premium payment can be expressed in terms of the number of years or the age reached by the insured person, such as 10 years, 20 years, 30 years, or the retirement age of the insured person. Since the payment period of a whole life insurance policy with a full premium is shorter than the insurance period, the annual equilibrium premium of such an insurance policy is greater than the annual equilibrium premium of lifetime payment, but the total amount of its contribution is mathematically equivalent to the lifetime payment.

Due to the high annual equalization premiums, a whole life insurance policy with a deadline for paying premiums is not suitable for people who need a lot of insurance coverage but a low income level. Short-term, full-term premium-paying whole life insurance is suitable for people with a high income in the short term, and whole-life insurance with one-time premium payment is the extreme form.

On the other hand, a whole life insurance policy with a full premium payment period can accumulate cash value more quickly, and it also provides the policy owner with the option of non-forfeiture of cash value, dividend payments, policy conversion, etc., as is the case with a regular whole life insurance policy. At present, most of the whole life insurance policies provided by domestic life insurance companies are whole life insurance policies that pay off insurance premiums within a time limit.

It's a shame that the policy is fully surrendered, because the coverage will be there until the insurance takes effect. If you agree to protect it for life, it will be guaranteed for life.

If you need money urgently, you can see if the policy has a policy loan function, and if so, you can come to the emergency.

If you are not sure about the cash value of the policy, you can call the customer service of the insurance company and inquire directly, which is more accurate.

It is recommended that if you can not return, don't refund,,, it is all paid,,, it's a pity to return.

I wish you peace, joy and good sailing.

May you prepare a sunny umbrella for life in advance.

I can't refund much money, I bought it very early, and the cash value of the contract is surrendered, and the cash value table at that time is the cash value corresponding to the amount of insurance per 1,000 yuan.

As a professional, it is not recommended to surrender the policy, and if it has been paid, leave it alone.

In principle, if the insurance does not expire, the cash value of the policy can only be refunded. The loss is huge, and it is not recommended to surrender the policy.

I have paid off the top 10 life insurance I bought in 20 years, and now I want to surrender the policy, how much can I refund? I think the top 10 illness insurance you bought has been paid off for 20 years. He should cash back your principal and interest for 20 years.

I have paid off the top 10 life insurance for 20 years, how much can I refund if I want to surrender the policy now? I think that the insurance should be calculated according to the contract at the time, and I think you can consult it. Insurance company customer service**.

There are generally two stages of surrender, surrender during the cooling-off period and surrender after the cooling-off period. There is generally no loss when the policy is surrendered during the cooling-off period, and only the cash value of the policy can be refunded after the cooling-off period. In this case, you will be able to surrender the policy after the cooling-off period.

What is the cash value of the policy? Cash value is commonly understood as how much an insurance policy is worth now. Usually only long-term life insurance has a cash value, because the premium of long-term life insurance is at a balanced rate, and the insurance company spreads all the premiums that the policyholder needs to pay throughout the payment period, so that the premiums paid in each instalment are the same.

When the insured is young, the risk is small, and the actual premium required is low, and the part of the premium overcharged when he is young will accumulate.

If there is any surplus of accumulated premiums after deducting "insurance protection costs" and "insurance companies' management expenses and operating costs", the insurance company will accumulate interest at a certain interest rate, and accumulate them every year to reflect the cash value of the policy.

So, it's cost-effective to leave early.

How can I reduce my surrender loss?

1.The reduction is paid in full.

At present, many insurance companies on the market have the function of reducing the amount of payment, the so-called reduction of payment, means that the policyholder is unwilling to continue to pay the premium, and does not intend to surrender the policy, can apply to the insurance company to pay the previous premium as the subsequent premium, so that the policy continues to be effective. In this way, the sum insured will be reduced accordingly, and the specific reduction will be calculated according to the premium paid by the policyholder and the time he wants to be protected.

2.Policy switching is an option.

Many people surrender their insurance policies not because of anything else, but because they feel that they have bought the wrong insurance and have not bought the right insurance for themselves. In this case, the policyholder can choose the policy switching function and apply to the insurance company to convert his policy to the insurance he wants to insure himself.

3.Reduce the sum insured.

If the reason for surrender is because you feel that the premium you have paid is too high and beyond the scope of your bearing, you can apply to the insurance company for a proportional surrender, that is, to reduce the sum insured, which is currently only available to a small number of insurance products.

Twenty years of Chinese life critical illness insurance paid for two years, if you want to surrender the policy, in the third year of accounting handover.

OK. However, if the policyholder applies for surrender of the policy, the insurance policy can be refunded if the insurance premium has been paid for more than two years.

cash value; If the insurance premium is not paid in full for two years, the insurance premium will be refunded after deducting the handling fee according to the contract.

Extended Information: Chinese Life Insurance Company.

Founded in 1949, it is the first insurance company in New China, headquartered in Beijing, and has also opened branches in many places in China. Chinese Life is the big brother of China's commercial insurance group, an insurance group with assets of more than one trillion yuan, and in addition to these, it is also one of the largest institutional investors in China's capital market. The solvency assessment index of the insurance company, the insurance will impose two mandatory conditions, namely:

The core solvency ratio is above 50% and the comprehensive solvency ratio is above 100%. The items assessed by the CIRC are the business processes of insurance companies such as sales, underwriting, preservation, claims, consultation, return visits, and complaints.

In this way, let's score the service of this insurance institution, and then talk about the setting of the service rating: it is divided into four categories: A, B, C, and D, with a total of 10 levels. The quality of service in Chinese Life.

It's also good, the rating is BBB, which belongs to the middle and upper level in the industry.

How to surrender the policy: 1. Participating insurance is a wealth management insurance product. Those who purchase participating insurance can also share the operating results of the insurance company in the form of dividends while receiving death benefits and survival benefits. 2. China Insurance Regulatory Commission.

It is stipulated that the insurance company shall distribute at least 70% of the distributable surplus of the participating insurance to customers each year. There are two ways to distribute dividends: cash dividends and incremental bonuses.

Cash dividends are dividends that distribute the surplus directly to policyholders in the form of cash. Incremental dividends are annual increases in the sum insured throughout the term of insurance.

way to distribute dividends. At present, most insurance companies in China adopt the form of cash dividends. 3. Under the distribution method of cash dividends, dividends can be received in a variety of ways: cash, accumulation of interest, payment of premiums and purchase of increased insurance.

Benefits of Chinese Life Participating Insurance: 1. Death insurance benefit: If the insured dies during the validity period of the contract, the company will pay the death insurance benefit according to the greater of the following two amounts, and this contract is terminated, and the insurance amount specified in the insurance policy is terminated.

The amount of accumulated premiums paid (without interest) less accumulated calendar dividends (without interest). 2. Dividend distribution: The company will pay dividends every year according to its operating conditions and investment income.

Chinese life insurance participating type can be surrendered, but it may not be fully surrendered. There are two situations: 1. Surrender during the hesitation period

If the policy is surrendered during the cooling-off period, the insurance company will generally refund the entire premium after deducting the handling fee. 2. Normal surrender: If the policy is surrendered beyond the hesitation period, it is generally required that the policy can be terminated after a certain number of years, and the insurance company will refund the cash value of the policy after the termination.

Participating insurance refers to life insurance in which the insurance company distributes a certain proportion of its actual operating results to policyholders according to the surplus of its actual operating results compared to the pricing assumption, and the policyholders can receive dividend distribution.

Most insurance can actually be surrendered, and Chinese life dividend insurance is no exception, but you need to lose some money after surrendering。Many people don't think much about it when they buy insurance, thinking that paying only a few thousand yuan in premiums every year is more than enough for themselves. After the real insurance contract takes effect, I start to regret it, but this time it is too late, because the surrender can be, but the insurance company needs to deduct a series of expenses such as commissions, handling fees, and production costs for the salesman.

This is not a small amount, especially for users who have not paid their premiums for a long time. You may pay a premium of 10,000 yuan a year, and wait until it is time to refund 2,000 or 3,000 yuan. However, this is also understandable, after all, wanting to surrender the policy is a personal breach of contract, and it is impossible for the insurance company to bear the corresponding losses.

Therefore, before we buy insurance, we should really think about it first, see if we need this insurance, or whether this insurance is suitable for us, and don't wait for the contract to take effect before we start to regret it, and then it will be too late.

The premium refunded by the insurance company after surrender is called the cash value of the policy. The calculation method of the cash value of the policy is explained in the contract we signed, we can make a rough calculation according to the number of years we have paid and the amount paid, if you can accept the final refund amount, you can bring your own insurance contract and relevant certificates to the insurance company for business. Some people want to minimize their losses, but it's almost impossible unless you can prove that there was a problem with the contract in the first place.

For example, it is not your signature, or it has been deceived by the salesman, etc., but there is no basis for the words, and you must show real evidence. If this is the case, then it is completely possible to negotiate with the insurance company with evidence on the surrender issue, and the premium can basically be refunded in full.

Of course, you can refund, 100,000 yuan cannot give you a full refund, and you must deduct some of your handling fees.