Can I get a refund for two months of insurance?

Yes, it is our right to surrender the policy, but it should be noted that surrender after the cooling-off period can only return the cash value, not the premium paid, and it should be noted that the surrender loss in previous years is large.

1. Under what circumstances do we recommend buying wealth management insurance under the premise that the surrender protection is insufficient?

Low- and middle-income people have purchased this insurance, which is under-protected, expensive and low-yielding. If the annual premium paid exceeds 10% of the annual income, surrender the policy as soon as possible, so as not to waste all your hard-earned money.

I want health protection, but I buy savings insurance.

Savings insurance often has fewer protection functions, and the amount of insurance purchased is generally low when the budget is limited. This situation is mostly seen offline, under the "wind blowing in the ears" of the ** people around you, this kind of situation of buying the wrong insurance should be considered to surrender the policy. Although surrender will make you lose a sum of money temporarily, but after surrendering the policy, you can really save thousands of dollars a year, and the current loss of money is not "never made up", and the money saved will be used for investment and financial management in the future, not only the loss can be made up, but also more can be earned.

2. What should I pay attention to when surrendering the policy? Surrender the policy after the cooling-off period for new products.

Don't put yourself in a "streaking" situation without insurance. There is a saying that "he who drowns in water, and he who kills his mouth". Families who are patronized by illness and go around to raise money are often families who do not have insurance coverage.

What's more, the issue of "surrender" has been involved, which shows that you already have a sense of protection. Be sure to find a replacement product and surrender the policy after the 180-day waiting period.

Check your physical condition.

Here's an example. Xiao Ming finally realized that the insurance he had bought for more than ten years was not suitable, and after careful consideration, he returned the insurance. When I applied for health information again, I remembered that I had a heart attack before the Chinese New Year, but the new insurance was denied, and the old insurance was surrendered, and I was in a dilemma.

Therefore, friends who have physical examination records must check the results of the physical examination report, and if it affects the next insurance, try not to surrender the policy.

Consider the difference between the new safeguard liability and the previous one.

If it is only because this product is upgraded and the new product is better, we do not recommend surrendering the policy. Because the current insurance products are updated quickly, and insurance is not like clothes, you can change it if you want to.

You have to look at the description of the contract, if it says that it is a two-month consideration period, you can get a full refund, if it is a one-week consideration period, you will suffer a lot if you get a refund.

What kind of insurance are you buying, if it is a consumer insurance, it can't be refunded, if it's other insurance, it can be refunded, but there will be a certain loss when you surrender the policy, you can look at the customer service on your policy**, you call**, and consult.

Can I get a refund for two months of insurance?Well, this should be refundable, but some of them can't be 100% refunded, and some of them will be deducted.

The insurance can be refunded within one month. In fact, it is usually assumed that the customer wants to surrender the policy, which means that it is enough to apply for a surrender if it has just been bought for a month, or it has been handed in for a period of time. Just about the surrender of the policy, it is suspected of the problem of the hesitation period of the packing ticket.

The 10 days after the customer enrolls in the insurance contract are the cooling-off period. For example, if a customer surrenders the policy during the cooling-off period, the insurance company will usually be able to refund the full amount of the premium paid. Once the customer surrenders the policy after the cooling-off period, the insurance company will never refund the premium paid, but only the cash value. The reason why customers assume that they want to return the guarantee they just bought is that it is best to hurry up and sign up within the cooling-off period.

lest the hesitation period has already passed when the application is submitted, and it will have to suffer certain economic losses.

In a similar situation, the surrendered vehicle should be cut into two quasi-scores, the car insurance ticket must be within the construction period, within the validity period of the policy, the insured vehicle has not been reported to the insurance company or made a claim, and the vehicle that has taken the compensation from the insurance company cannot be surrendered; Even if the vehicle is only reported to the insurance company and is not covered by the insurance, it will not be surrendered. In terms of the specific assembly line, the car owner needs to submit a surrender mediation letter to the insurance company, explaining the reason for the surrender and the date of surrender, and sign or affix the official seal.

After investigation and handling, the insurance company will issue an endorsement indicating the surrender time and the amount to be surrendered, and cancel the package. In the next session, the car owner can withdraw the refundable premium with the surrender approval form and ID card. The refundable premium of the insurance company is the premium paid at the time of insurance, and the insurance company will refund the premium to the car owner only after the insurance company has immediately received the premium.

Once you have been allowed to surrender the policy, you will take out the money in the bank card that paid the premium, and if the payment period is up and you have not yet requested a refund, it will be another discount. It's best to think clearly when you apply for insurance, so as not to buy it and regret it. When applying for insurance, your own actual needs and the above circumstances must be taken into account.

The insurance policy that you have just bought for one month can be refunded because the insurance can be refunded within one month. But in fact, usually as long as the customer wants to surrender the policy, then whether it has just been bought for a month or has been paid for a period of time, you can apply for surrender. And the loss is relatively large, the bank card can be handled at the insurance company's counter!

However, if you want a full refund, you need to see whether the insurance is within the cooling-off period, if it is within the agreed cooling-off period, you can get a full refund, but you need to deduct no more than 10 yuan of the cost and other expenses, and the insurance cooling-off period is usually 10 days.

And if you want to surrender the policy, you need to prepare the following documents:

The original valid insurance contract and the last proof of payment;

Valid identity documents of the policyholder (if the application is handled by another person, the power of attorney of the policyholder and the ID card of the principal shall be provided);

Application for surrender of insurance policy, i.e. Application for Termination of Insurance Contract;

A copy of the personal settlement bank card. Under normal circumstances, it is not recommended to surrender the policy, because if the policy is surrendered normally, you will not only have to bear the financial loss, but also the lack of protection. If you consider buying a new insurance after surrendering, there will be a blank period in the middle, because there is a waiting period for insurance products, which is as short as 3 months and as long as more than half a year.

If you resolutely want to surrender the policy, and there is no violation in the signing process, you can only return the cash value, and you cannot refund the premium paid, which is also a means for the insurance company to control moral hazard, otherwise everyone will return after buying, which is not good for the insurance company. Because the cash value is also known as the surrender value, it is the part of the amount that can actually be obtained from us when the policy is surrendered. And the shorter the premium paid, the less the cash value, and it will increase every year in the future, so if you surrender the insurance just after applying for insurance, there will be a situation of "paying 5000 premiums and only returning 500", which is also one of the reasons why insurance is criticized by everyone, and the cash value is really pitted.

Further Information: Correct Steps to Surrender:

Step1: Find the contract and find the effective date. The purpose of finding the effective date is to calculate the real protection period, that is, the effective date + 2 months (grace period), if the insurance is out within the benefit period, the insurance company should pay, if the insurance is out within the grace period, we only need to pay the premium for the second year to get the claim.

Step 2: Find the deducted bank card, if it is a salary card, you can contact the insurance company to change it into a non-used card, the purpose is to make the card have no money and prevent the premium from being deducted.

Step 3: Add a memo to the calendar or alarm, the date is the maximum coverage period found in step1, that is, the effective date + 2 months (grace period), and surrender the policy when the alarm rings. In fact, it is not very troublesome, although the product is not suitable, but our real gold ** is indeed spent, since it is spent, it will play the greatest role, and the details will sometimes have unexpected effects.

Surrenderable policy. 1. Surrender during the hesitation 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.

2. Normal surrender.

Surrender beyond the cooling-off period will be regarded 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 long-term life insurance contracts, the insurance company is usually required to deposit a certain amount of liability reserves in order to fulfill its contractual obligations.

When the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company shall refund to the insured the balance of the liability reserve minus the cancellation deduction according to the regulations, and this part of the amount is the cash value of the policy.

The one-month insurance you just bought can also be refunded, but your insurance premium may not come back, but it can be refunded.

Yes, but you also need to deduct the corresponding handling fee when you surrender the insurance, and then you don't need to deduct the fee if you surrender the policy within 15 days after purchasing the insurance.

Of course, if you are particularly dissatisfied or unwilling, then you should find the appropriate staff and then surrender the policy.

Under normal circumstances, there is no way to surrender the policy, if it is still in the consideration period, you can get it, but if the consideration period has passed, it is more difficult to get back.

Hello, I just passed a month and a few days, if you surrender the insurance, how much does the payment ** refer to, my annual payment is 12,000 yuan, pay for three years, and so on 15 years can be withdrawn, then now if you want to surrender, how much money to deduct?

It can be refunded, but it is necessary to apply for it within the 10-day hesitation period, and charge some handling fees, and it is not impossible to do it after the hesitation period, so it is necessary to deduct the cost of the underwritten time, and the less than one month will be calculated as one month, in that case, the loss will be relatively large.

The "cooling-off period", also known as the "cooling-off period", is a period of regret set by the insurance company in order to give customers enough time to consider whether the insurance purchased is suitable for them and prevent customers from buying insurance on impulse.

"Cooling-off Period" means the period of 10 days from the date of receipt of the policy by the policyholder or the insured.

During the "cooling-off period", the policyholder can request to terminate the insurance contract, and can go to the insurance company with the policyholder's ID card and insurance policy, and the insurance company will refund all the premiums in addition to deducting the cost of production (generally about 10 yuan) and the physical examination fee paid by the insurance company.

Note: Accident insurance is not covered by the 10-day cooling-off period. So it depends on what kind of insurance you have.

If you choose to surrender the policy within the 10-day cooling-off period, you can get a full refund of the premium

The policyholder only needs to bring your insurance contract and ID card to go to the company to handle the surrender, or you can contact your **person to choose to surrender the policy.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, the car insurance has been surrendered in more than 2 months, and the commercial insurance premium can be refunded for 10 months! The insurance company stipulates that the amount surrendered by the car owner is calculated according to the commercial insurance premium of 365 * (365 - the number of days insured). According to the formal vehicle transaction process, if the insurance of the car has not expired, after the vehicle, the balance of each insurance can be withdrawn.

Car insurance is mainly composed of three departments, commercial insurance, compulsory traffic insurance, vehicle and vessel tax, compulsory traffic insurance and vehicle and vessel tax are not refundable, but commercial insurance can be refunded, you can bring a driving license, ID card, bank card, insurance policy to the insurance business hall for surrender, after the successful processing, the insurance company will be able to refund the money to the customer to the card designated by the customer.

The insurance can be refunded after two months, but at this time the policy has passed the hesitation period, the insurance company will deduct the company's operating expenses, the cost of the protection has been borne, and the salesman's commission will return the remaining money to the policyholder. Generally, if you want to surrender the policy, you can choose to surrender the policy during the hesitation period, at this time, the insurance company will deduct the cost of about 10 yuan at most, and the remaining costs will be refunded to the policyholder, so it is more cost-effective, if you are not satisfied with your insurance, you can seize this good opportunity.

Extended information] 1. What are the losses of insurance surrender.

1.Economic loss.

If the insurance is surrendered after the hesitation period, the money that can be taken back is very limited, and you can only get back the cash value of the policy, and the cash value of the policy is increased according to the number of years of payment.

2.Premiums increase.

Because the premiums of most insurance companies on the market have a lot to do with the age of the insured, the higher the age, the more expensive the premium, and the age you will definitely increase after you surrender the policy, so the premium will be a little more expensive than before.

3.Guarantee the gap period.

Generally, we will have a waiting period after buying insurance, and if the insurance is out during the waiting period, the insurance company will not compensate, so we must pay attention.

Second, how to refund insurance can reduce losses.

1.Reduction reduction.

If you don't want to continue paying the premiums after purchasing the insurance, you can use the policy's reduced payment function to use the current cash value of the policy as the full premium for the later period, and pay it all at once. In this way, you can reduce the pressure of paying your bills, but the policy is still valid, but the sum insured will be lowered a little, which will be a little better than surrendering the policy.

2.Automatic padding.

Some policies also have the function of automatic advance, the difference between him and the reduction payment is that the sum insured will not change in any way, but his protection period will be a little shorter than before, and the cash value of the policy is also used to deduct the premium, and the policy will be terminated after the cash value is used up.