After paying life insurance for two years, a total of 16,000 yuan, how much can I get back?

You should look at the contract specifically, and the cash value of the contract is the money you can return. However, the loss of surrender is particularly large, and you must think about it carefully.

How much money you can get back depends on the contents of the contract, which clearly states how much money you can get in the end.

You can only return a small amount of money, and in most cases, you can't get the money back, and it is impossible for the insurance company to let you do this.

Summary. Hello, how long did it take to buy it just now, and the hesitation period after purchase is a full refund of 20,000 yuan in premium within 15 days. After the hesitation period of 15 days, the normal surrender is the cash value of the first year of refund, about 70%, and the refund is about 14,000 yuan.

I bought life insurance and just paid 20,000 yuan for the first year, how much can I get back now when I surrender the policy?

Hello, how long did it take to buy it just now, and the hesitation period after purchase is a full refund of 20,000 yuan in premium within 15 days. After the hesitation period of 15 days, the normal surrender is the cash value of the first year of refund, about 70%, and the refund is about 14,000 yuan.

I found an incumbent and he said that he was going to lose half of the principal, which was really hard to accept.

When did you buy it?

Have you passed the hesitation period for 15 days?

If the policy is surrendered after the cooling-off period, according to the contract, the normal surrender can only be the part of the cash value of the insurance contract, which will cause a great loss to the policyholder. The policy can be surrendered in full, and there are irregularities when it is necessary to purchase insurance. For example:

There are behaviors such as the salesman signing on behalf of the salesman, exaggerating and falsely advertising the protection benefits, not explaining the insurance terms in detail, the customer not knowing the policy benefits, and giving rebates to the customer, etc., all of which are illegal operations. In this case, it is possible to surrender the insurance policy in a technical way and refund the accumulated insurance premiums in full.

It's been a year, and it's time to pay again, but due to physical reasons, I can't pay again and want to surrender the policy.

For more than one year, according to the contract, the surrender is only the cash value.

Summary. After paying life insurance for two years, you can get 1,500 yuan back when you surrender the policy. After paying the insurance for 2 years, Chinese Life can only get back about 30% of the principal, and can refund 1,500 yuan.

Specifically, it should be calculated according to the cash value table in the policy contract, and after 2 years of payment, Chinese Life can go through the surrender procedures through the following channels: Online surrender Offline surrender **Surrender.

After paying for two years of life insurance, how much can I get back when I surrender the policy?

Are you there. I wouldn't have renewed my policy. But it was deducted. How to return.

After paying life insurance for two years, you can get 1,500 yuan back when you surrender the policy. After paying the insurance for 2 years, Chinese Life can only get back about 30% of the principal, and can refund 1,500 yuan. Specifically, it should be calculated according to the cash value table in the policy contract, and after 2 years of Chinese Life, you can go through the surrender procedures through the following channels:

Online Surrender Offline Surrender **Surrender.

How to return without losing so much.

If the policyholder needs to surrender the policy, he or she needs to apply for surrender at the insurance company's customer service center. Collect and fill in the surrender application form truthfully, explain the reason for surrender and when the surrender will begin, sign or seal it, and submit the application form to the business management department of the insurance company. When applying for surrender, you need to bring the original ID card of the policyholder, the original policy and the bank account of the policyholder.

Expires today. Just after the deduction, there is also a loss, right?

There are also losses.

Summary. Hello, the premium can only be refunded according to the cash value after 6 years. The specific amount of refund depends on the specific cash value of the insurance purchased, and the cash value of each insurance is different, but the cash value is generally lower than the premium paid, because the cash value is related to the premium, payment period, product, etc.

In general, the handling fee that needs to be deducted is relatively large in the first 2 years, and 50%-70% of the fee may need to be deducted. After two years, the percentage of deductions is reduced.

However, it should be noted that the necessary requirement for surrender is that the policy must be within the guarantee period and have not been insured or received insurance benefits. Of course, if we need to take out participating insurance, then when the policy is surrendered, in addition to the cash value of the policy, a certain dividend can also be directly returned.

Life insurance has been paid for 6 years, a total of 10,000, how much can be refunded after surrender.

Hello, the premium can only be refunded according to the cash value after 6 years. The specific amount of refund depends on the specific cash value of the insurance purchased, and the cash value of each insurance is different, but the cash value is generally lower than the premium paid, because the cash value is related to the premium, payment period, product, etc. In general, the handling fee that needs to be deducted is relatively large in the first 2 years, and 50%-70% of the fee may need to be deducted.

After two years, the percentage of deductions is reduced. However, it should be noted that the necessary requirement for surrender is that the policy must be within the guarantee period and have not been insured or received insurance benefits. Of course, if we need to take out participating insurance, then when the policy is surrendered, in addition to the cash value of the policy, a certain dividend can also be directly returned.

It is about to return 30% to 70% of the insurance surrender process: 1. First of all, you must confirm whether you meet the surrender requirements, you can call the insurance customer service ** for consultation, or you can go to the insurance company to ask; 2. After confirming that you meet the surrender conditions, you should prepare relevant surrender information as required, generally you need to prepare your valid ID card, bank card, first invoice, first policy contract, etc., it is recommended to prepare the original and copy; 3. Then bring the materials to the local insurance company counter to go through the surrender procedures, you need to receive and fill in a "Application for Termination of Insurance Contract", fill it out and hand it to the staff of the insurance company, and also fill in some documents to explain it, and see the signature; 4. Specify the bank account you use to surrender the insurance, and if it is a new card, give a copy of the other party's bank card; 5. Wait for the insurance company to review, and the insurance company will transfer the money to the designated bank account after the review is passed. Tips:

Surrender can only return part of the amount is not cost-effective, so before buying insurance, you must understand that the product can not be trusted by the salesman, you have to inquire about the advantages and disadvantages of the relevant insurance, so that you know, and finally wish you peace

There are several types of surrenders:

1) Full surrender.

There are generally three situations in which a policy can be surrendered in full:

1.Surrender during the cooling-off period.

Usually there is a hesitation period after the purchase of insurance, and the surrender of the insurance during the hesitation period can be refunded in full premium, and the cost of about 10 yuan will be deducted, and the general hesitation period is from the receipt of the contract.

Generally speaking, it is 10-15 days, which will be stipulated in the contract.

2.It is signed.

If the signature on the insurance contract is not the signature of the person, you can apply for a full refund.

3.There is evidence.

**If the person violates the operation or deceives the consumer, if there is evidence, the full amount can also be refunded when applying for surrender.

2) Return the cash value.

If the policy is surrendered outside the hesitation period, only the cash value will be returned, and the cash value is savings life insurance, such as term life insurance with a term of more than one year and long-term consumption critical illness insurance.

Savings critical illness insurance, comprehensive insurance, whole life insurance, endowment insurance.

universal insurance and participating insurance, etc.; General Accident Insurance.

and one-year medical insurance with no cash value.

If you want to know the cash value of the policy, you can call ** to the insurance company's customer service or read the contract, and the calculation is generally according to this formula:

3) Return of cash value + dividends.

The cash value has been mentioned above, and here we will talk about dividends. Dividends are generally divided into two parts, one part is agreed to give the customer a fixed insurance payment, and the other part is the insurance payment to the customer according to the operation of the insurance company, which is uncertain and called a dividend.

1. If you buy a return insurance of life insurance, pay 12,000 a year, as for how much money you can get back from surrendering now, it should be determined according to the length of your contract, but in most cases, there is almost nothing left.

This kind of return-type insurance includes a lot, including endowment insurance, medical insurance, etc., and many people will find it particularly cost-effective at first, but in fact, it is very difficult to surrender the policy. Because surrender is a huge loss for the person who buys the insurance, and the loss includes the principal paid and the interest on the principal. The probability that the principal will be fully refunded is very small, and each insurance company will have a specific calculation method, and after the final accurate calculation, it is almost only possible to get back one-fifth or one-tenth of the principal.

2. Of course, if you buy this return-type life insurance, the term itself is three years, then you can return it normally after three years, then at this time, you will not have much loss if you return the insurance.

Because when the three-year period expires, the return insurance will return the principal to the purchaser, and there may be an excess premium, which is why many people choose to buy return insurance. Most people think that this kind of insurance can recover the principal while protecting themselves, which is a kind of insurance with great profits. But in fact, this kind of insurance also has a certain amount of insurance, so this kind of insurance is almost impossible to surrender, and the consequences of surrender are relatively large.

3. If you surrender the policy now, there is no way to calculate the amount of the principal that can be recovered, because the specific amount, term, time, etc. are not specified in the title, and it is ultimately based on the policy.

For this kind of return-type insurance, he will have a very complex set of calculations, which is specially set for people who want to surrender the insurance. It is because of such a complex set of calculations that many people are discouraged or many people dare not surrender the policy. Because this calculation method will only reduce your principal by at least half in the end, that is to say, you will lose your principal for no reason, and you will not get any protection, many people also choose to give up the surrender of the policy after understanding this calculation method, or no longer buy this insurance.

If you surrender the policy now, you can probably get about 70% or 80% of the principal, and you will deduct a very high handling fee, or you can negotiate with the insurance commissioner to deduct some handling fees.

If you want to surrender the policy now, the principal should be able to get back about 20,000 yuan. Actually, it's pretty good, mainly because you've been paying for three years of insurance.

You can get about 90% back. If you have to pay the corresponding liquidated damages, you want to return the insurance, so you should bear this.

If you want to surrender the policy now, you can only get back 70 to 80% of the principal, and you can get back about 25,200 yuan to 28,800 yuan.

I paid 6,000 a year for two years, and I returned more than 200 yuan! More than 200 yuan of 12,000 yuan in two years!

I paid 10,0002 last year, how much can I get back the principal if I want to surrender the policy now?

It's better to lose money than to surrender the policy!

Summary. Hello, life insurance pays 6000 a year and wants to surrender for two years, about 80-90% of the surrender amount, the specific amount needs to see the present value of the insurance agreed in the contract.

Life insurance pays 6,000 a year and wants to surrender it for two years, how much can I refund?

Hello, life insurance pays 6000 a year and wants to surrender for two years, about 80-90% of the insured amount of Lu Hong, and the specific amount of the car needs to look at the present value of the insurance agreed in the contract.

1. If the insurance is surrendered within the hesitation period, the loss is only the cost of production; 2. After the hesitation period of the product, but the macro attack fee is paid for less than two years, the loss is the handling fee agreed in the contract; 3. If the policy is surrendered after two years of payment, the refund amount shall be the accumulated cash value of the policy.

To sum up, if you want to surrender life insurance for 6,000 a year and two years, you can return about 6,000*.

There are more and more insurance companies, which means that more and more people are willing to buy insurance and realize the importance of insurance. However, when buying insurance, you must not blindly follow the trend, and you must buy it according to the actual situation. For example, if someone is working in a high-risk industry, such a person especially needs to purchase an accident insurance.

There are also people who have family diseases, in which case they need to buy a health insurance. Buying insurance is protection, so don't just look at short-term benefits, generally speaking, insurance doesn't create much benefit, what it can do is provide a protection when people need it. When buying insurance, you should think clearly about what kind of insurance you need, and then buy it after you have decided, so that you will not regret it.

Insurance companies also want to make money, if you have already bought insurance, it is best not to surrender the policy, because the surrender is not refundable, and your protection is gone.

First of all, it is certain that surrender must not be cost-effective, and how much you can refund depends on what type of insurance you buy. Generally speaking, the participating type of insurance can be refunded more, while the life insurance refund is relatively small, and it may not be refunded a quarter of the premium. For example, if you pay 20,000 yuan, you may only be given more than 2,000 back.

The surrender of the policy also depends on the age and physical condition of the policyholder and the insured, etc., and these factors will be taken into account by the insurance company and reflected in the cash value of the policy. Therefore, surrender is the cash value of the surrender policy, and this cash value is particularly low, and there will definitely be a loss in the middle of the surrender.

Generally, after relatives and friends buy insurance, I do not recommend others to surrender the insurance, because the loss of surrender is relatively large. And it's better to have insurance on you than not to have insurance, and it's good to always have a cover. As for the premium, if you can't get it out for a while, you can grit your teeth and squeeze it, just get through.