I just bought Ping An Insurance for two months and need to surrender the policy, how to handle the s

Hello! You need to bring the original policy contract and your ID card to Ping An Company for processing, or contact your insurance person to communicate your questions! Hope you can solve it soon! Wish: happiness and good health!

The surrender agreement for the first year is only 30% of the principal, and the cash value table of the contract has detailed reference data!

According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading customers in violation of regulations and will be terminated by the company!

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the counter to fill in the surrender application!

How to surrender the policy] Taikang Life Liu Ligang is at your service! The surrender of the policy requires the policyholder to bring the policy contract, ID card, and bank card to the insurance company's business hall to sign a surrender form, usually 5-7 days, the surrender is successful, and the money is transferred to your bank account. I wish you a speedy solution!

Hello, have you thought about losing money when you surrender your policy? Is it you who is the policyholder? If so, you can take the insurance contract and your own ID card and the bank's passbook or card, and go to the insurance company to surrender the policy.

Bring the original insurance policy and the ID card of the applicant to the counter for processing; Why do you want to retreat, you have to suffer a lot of losses, so you should be cautious!

You need to bring the original insurance policy and the ID card of the applicant to the counter for processing, or contact the ** staff to handle it for you.

Bring the insurance policy + ID card + bank card and go directly to Ping An's service outlets to handle it.

Hello: The policyholder needs to go to the customer service counter of the insurance company to handle it, and must hold the policy contract and ID card.

The policyholder can take the ID card and the insurance policy to the company.

Hello! It is recommended to consider carefully, and in the end, it is still yourself who loses, and you can contact the ** person to handle it.

Hello! Although you have just bought it for two months, but it has exceeded the hesitation period, the loss of surrender is still very large, please consider carefully!

Your insurance policy, I personally go to bring the original ID card, discount card, how much money can not be refunded.

Hello! Why do you want to surrender your policy? It's not cost-effective to surrender the policy in this way, it's convenient to contact!

What is your reason for surrendering? I can tell you how to choose to return.

Why do you want to return it? Everybody needs it.

Ping An Insurance surrender requires the following procedures:

1. Customers should go to Ping An Customer Service Center to handle the documents to be prepared:

Application for cancellation of insurance contract.

ID card of the policyholder (when the surrender benefit is 0, a copy of the ID card can be used).

A copy of the passbook of the personal bank settlement account in the name of the policyholder.

Insurance policy (not required for refunds only, or for electronic policies).

2. The customer entrusts the salesman to go to the customer service center to handle the documents to be prepared

Application for cancellation of insurance contract.

Power of Attorney.

ID card of the policyholder (when the surrender benefit is 0, a copy of the ID card can be used).

Agent's identity document.

A copy of the passbook of the personal bank settlement account in the name of the policyholder.

Insurance policy (not required for refunds only, or for electronic policies).

Extended Information:1Property & Casualty Insurance Business:

In June 2020, Ping An's monthly property insurance premium income was 100 million yuan, a year-on-year increase, with a strong performance. From January to June, the cumulative premium income was 100 million yuan, an increase over last year. It can be seen that the property insurance business performed well in the first half of 2020, with positive growth in all other months except for February, when there was a negative year-on-year growth.

2.Life Insurance Business:

1) New business situation. Ping An of China achieved 100 million yuan in new life insurance business (individual + group) premium income in June, a year-on-year decrease from last year, of which individual new business was 100 million yuan, year-on-year, cumulatively, the cumulative premium of new life insurance business from January to June was 86.2 billion yuan, a year-on-year increase, including individual new business. New life insurance business continues to be under pressure, as it is a key factor in investor confidence due to its pivotal role in Ping An's insurance business.

In fact, Ping An Life's new business has also declined for several consecutive years, while the value rate of new business has increased year by year. From the changes in the new business combined with the operating conditions of other insurance companies, it can be seen that the life insurance reform led by Chairman Ma Mingzhe and pioneered by Lu Min has entered a deep water period.

2) Renewal business. Ping An's renewal premium income from life insurance in June was 100 million yuan, a year-on-year increase in a single month, and the renewal business continued to maintain a good momentum. From January to June, the cumulative renewal premium income of life insurance was 100 million yuan, a year-on-year decline, and the decline continued to narrow, and it is expected that the renewal premium will turn positive in the second half of the year.

The process of surrendering the insurance is to prepare relevant documents and materials, and then go to the customer service center of Ping An Insurance to handle it, and the required documents include the application for termination of the insurance contract, the ID card of the policyholder, a copy of the passbook of the personal bank settlement account with the policyholder as the account name, and the insurance policy.

I think you can call the customer service **, and then the customer service will tell you, which is relatively simple. I don't think you should choose to surrender the policy if you have passed the cooling-off period, because it is very uneconomical.

First of all, you must apply to Ping An of China, then wait for the company's reply to you, wait for the reply, and then submit the relevant contract and personal information, so that you can handle the surrender business for you.

At present, Ping An Insurance cannot directly handle the surrender service in the official**, official WeChat*** and mini program, we can call the customer service of Ping An Bank** to handle it. In addition, most products do not support online surrender, so if you want to go through the surrender procedures, you must go to the Ping An Life customer service center to complete the surrender procedures by yourself or the insurance salesman I entrusted, and it is best to make an appointment with the insurance company in advance. When we prepare the relevant information, we can go to Ping An Insurance Company to find the relevant staff, and after explaining the reason for surrender, the staff will handle the surrender procedures according to the specific principles.

When handling the surrender of the policy, we need to prepare the application for cancellation of the insurance contract, ID card, copy of the bank settlement account, insurance policy, insurance contract and other materials to submit to the counter staff for surrender. If we are sure to surrender the policy, it is best to go through the surrender procedure as soon as possible during the hesitation period, so that the operation is relatively simple and there is not much cash loss.

Since this insurance has been purchased for many years, it means that the hesitation period has long passedAt this time, you can bring your ID card and insurance policy to the insurance company to apply for surrender, you need to fill in the surrender application, and after approval and approval, the remaining premium will be transferred to the bank card, or you can directly receive cash。There are many people who choose to surrender the insurance for various reasons after purchasing the insurance, and the surrender procedure is not troublesome, you only need to apply to the insurance company.

We point out that before applying, it is best to call customer service ** to ask what certificates you need to bring, so as not to affect your surrender business because the documents do not collapse and bring all the documents, if you have clearly needed to carry the documents, you can skip this step. Next, we go directly to the insurance company with the information to handle the business, and fill in a surrender application form before surrendering, which needs to indicate the reason for surrender, the surrender time, your name, ID number and a series of other information.

We will hand over the relevant information directly to the salesman, and we can go back and wait for the news. Under normal circumstances, these documents will be submitted to the relevant departments for approval, and it will take about 5 working days to wait, because the review time will fluctuate depending on the insurance company. After the approval is completed, we need to return the policy, and after a few working days, the financial department will transfer the remaining premium to the policyholder's bank card, or go directly to the insurance company to collect cash.

The reason why it is said to be the remaining premium is mainly because the cash value of the policy can only be refunded after the hesitation period, and the cash value of the policy needs to be calculated according to each person's policy. Therefore, we can also calculate the cash value of the policy first, confirm that it is acceptable, and then go through the surrender business, so as not to cause unnecessary losses to ourselves, and we must think carefully before buying insurance to avoid these troubles.

You can go to the local company to handle it, and you must communicate with your own business personnel, so that you can handle it more quickly and quickly, and you will lose a lot of money.

It is not difficult to surrender the policy, as long as you find customer service to apply for a surrender, it is very easy to surrender the policy at any insurance company.

You can take your ID card and insurance policy, go to the insurance company to surrender the insurance, and then the insurance company will ask you to write some information, and you will be refunded after the review is passed.

Ping An Insurance can be surrendered in the following ways:

2.Prepare the materials required for surrender, generally need the application for termination of the insurance contract, the ID card of the policyholder (when the surrender fee is 0, a copy of the ID card can be used), a copy of the passbook of the personal bank settlement account with the policyholder as the account name, and the insurance policy (only the additional insurance or electronic policy can not be provided), if you entrust another person (the principal is limited to the parents, spouse, children and other immediate family members of the applicant) to handle the surrender procedures, you also need to provide the power of attorney and the agent's identity certificate;

3.Bring the surrender materials to the offline service outlets of Ping An Insurance Company to go through the surrender procedures, and the staff of the insurance company will assist in the processing, and the surrender money will also be credited to the bank account designated by the policyholder at the agreed time.

In addition, Ping An Insurance surrender can also apply for the insurance person to handle it on behalf of the insurance person, that is, to let the insurance person come to collect the surrender information, so that there is no need for the individual to go to the insurance company in person to go through the surrender procedures, and only need to wait for the surrender money to be paid into their designated account.

The policyholder should bring the policy, ID card, and bank card to the insurance company's customer service center to handle the surrender.

Surrender during the cooling-off period.

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 will be regarded as normal surrender. Normal surrender generally requires the policyholder to submit an application for termination, and the life insurance company shall 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 usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.

In order to meet the conditions for surrender of car insurance stipulated by the insurance company, under normal circumstances, two conditions must be met for the surrender of car insurance: first, the policy must be within the validity period; Secondly, the car has not been reported or claimed to the insurance company.

Among them, the surrenderer of compulsory traffic insurance needs to meet these conditions:

1. The insured vehicle is registered in accordance with the law and the family is suspected of fraud;

2. Handle the suspension of driving;

3. It has been confirmed by the public security organ that it has been lost;

4. The owner repeatedly insures compulsory traffic insurance;

5. The vehicle is resold, transferred, or given to a place other than the location where the license plate is located;

6. If the new car is withdrawn by the seller due to quality problems or the relevant technical parameters do not meet the national regulations, the traffic management department will not be allowed to go to the household.

And generally to surrender the compulsory insurance, the first thing to look at is the effective date of the compulsory insurance on the policy, if the policy has not yet taken effect, you can surrender the policy. If the compulsory traffic insurance has been in effect, according to the Regulations on Motor Vehicle Traffic Accident Liability Insurance, if the conditions for surrender are not met, the policy will not be surrendered. After applying for surrender, the insurance company calculates the surrenderable premium by using the actual premium paid at the time of insurance application, minus the premium that the insurance company should charge during the effective time of the insurance, and the balance is refunded to the car owner.

The specific process of surrendering a car insurance is as follows: the owner submits a surrender application to the insurance company, stating the reason for surrender and when the surrender will begin. After review, the insurance company will issue a surrender endorsement indicating the surrender time and the surrender amount, and the policy will be withdrawn.

After that, the car owner can go to the insurance company to collect the refundable premium with the surrender endorsement and ID card. I hope the subject and netizens are grateful.