What should I do if I apply for a surrender policy and the cooling off period has passed?

After the cooling-off period, you can go to the customer service center of the insurance company to apply for surrender with the insurance policy, ID card, bank card, and insurance contract. The process of requesting surrender after the cooling-off period is as follows:1

Collect and truthfully fill in the surrender application form and submit the surrender application; 2.Carry all the surrender information and ensure the authenticity and validity of the information; 3.Fill in the relevant information according to the staff's prompts to complete the process, and wait for the refund of the premium after the review is passed.

The hesitation period of the general insurance company is 10 15 days, if the policy is surrendered during the hesitation period, the insurance company will refund the premium in full after deducting the cost of about 10 yuan, if the hesitation period is exceeded to apply for surrender, the insurance company can only refund the cash value of the policy when surrendering, that is, the insurance premium paid by the policyholder to the insurance company after deducting the intermediary commission, the cost of billing, management expenses, etc. If the policy is surrendered after the cooling-off period, it will incur considerable financial costs, and secondly, the insurance protection will not be implemented. It is recommended that the policyholder should control the surrender period if he wants to surrender the policy, and if he wants to surrender the policy after the cooling-off period, he can consult the surrender details in advance before proceeding.

The insurance hesitation period is the time when you start to calculate the time after signing the policy, surrender the policy within 10 days, and only need to pay the cost of 10 yuan, you can surrender the policy in full, and there is generally no loss. However, after the cooling-off period, it is unlikely that the policy will be surrendered in full and will cause certain losses, such as:

1. For economic loss, only the cash value of the policy will be refunded after the hesitation period, and the cash value of the policy = the management fee of the insurance company - commission - risk premium + interest generated by the remaining premium, the amount is relatively small.

2. When re-insured, the insurance rights may be subject to certain restrictions. For example, if you want to reconsider taking out long-term life insurance, the exclusion period for death from illness, disability or suicide as agreed in the terms of the insurance will be recalculated.

3. When re-insured, the payment standard will be increased, and the insurance may even be denied. If you re-apply for insurance after a long period of time after surrendering, the premium will increase as you get older. What's more, if you have some physical problems, you may be denied insurance.

Therefore, after the cooling-off period, it is basically impossible to surrender the policy in full, and you should consider carefully before choosing whether to surrender the policy.

Ping An Life Insurance can choose not to surrender if the surrender exceeds the hesitation period, and if you do not surrender, you will continue to enjoy everything protected by the insurance, and Ping An Insurance is also updated at any time.

There is no way to do this in this case, because the cooling-off period is to make it easy for you to surrender the policy, and there is no way to do it after that.

Surrender during the insurance hesitation period only needs to go through a simple surrender procedure, which can be surrendered through **, or go to the insurance company to surrender, or you can surrender the insurance on the insurance platform. If you surrender the policy during the hesitation period, the cost of production will be deducted at most, and then the premium paid will be refunded without interest, which is relatively cost-effective.

The insurance cooling-off period refers to a certain period of time (generally 10 days or 15 days) after the policyholder receives the insurance contract, if he does not agree with the content of the insurance contract, he can apply for surrender, and the insurance company will refund the premium paid without interest.

Extended information: First, most insurance companies will have a hesitation period when buying insurance, if you have the idea of surrendering, you need to contact the insurance company in time to explain your intention to surrender. Afterwards, you can bring the surrender materials to the store to apply for surrender directly.

If you hesitate a little, you may miss the hesitation period, and you must leave written evidence when applying for surrender.

2. Some materials are required when surrendering the insurance: the cancellation letter of the insurance contract, the ID card of the policyholder, the proof of payment of insurance premiums and a copy. If it is handled by another person when handling it, then the full power of attorney, the original and copy of the ID card of the entrusting person are also required.

After the information is ready, the policyholder can bring the materials to the designated place to go through the surrender procedures according to the time of application for surrender, and there is no need for any fee to surrender the policy during the hesitation period.

3. The surrender of the insurance during the cooling-off period can be carried out in the following ways:

2.Bring the surrender information to the insurance company to go through the surrender procedures, and generally need to terminate the insurance contract application, policy, premium payment certificate, etc.;

3.The staff of the insurance company will assist in the surrender of the policy, and the surrender money will be refunded to the policyholder within the agreed time.

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The insurance is still in the cooling-off period and can generally be surrendered in the following ways:

1.Contact the insurance salesman to handle the surrender procedures on your behalf: Generally, you can directly contact the insurance salesman you know, or call the customer service of the insurance company to contact the insurance salesman, and hand over the information required for surrender, such as the policy, bank card, copy of the policyholder's ID card, entrustment certificate and other required information, and the insurance salesman will handle the surrender procedures on his behalf;

2.The policyholder should bring his ID card, insurance policy, and bank card to the insurance company to go through the surrender procedures;

3.Some insurance products can be surrendered online. For example, Ping An Insurance can log in to an account in Ping An Gold Butler, and then select more services in the policy service to find the surrender option.

If you choose to surrender the policy during the cooling-off period, you can check the policy that needs to be surrendered, and you can directly surrender the policy online;

Generally speaking, surrendering the policy within the cooling-off period, that is, surrendering the policy within 10 days, 15 days, or 20 days after receiving the insurance contract (the specific number of days is subject to the insurance contract), the premium paid can be refunded, and the surrender after the cooling-off period is the cash value of the refundable policy.

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To surrender the policy during the cooling-off period, the following documents need to be provided to the insurance company:

1. Application for termination of insurance contract.

2. The identity document of the policyholder.

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

4. Insurance policy (no need to provide additional insurance refund or electronic policy).

5. Invoices for the first instalment of insurance premiums. However, the specific types of insurance and the regulations of the insurance company are different, and the materials required to be provided will be slightly different, but the above five types are the main ones.

At the same time, it should be noted that a written application is required for surrender during the cooling-off period, and oral application is invalid.

The China Insurance Regulatory Commission stipulates that the cost of surrendering during the hesitation period will only be deducted from no more than 10 yuan, and other payment amounts will basically be refunded in full, so there will be no big loss as a whole.

Extended Materials. The surrender of the policy during the hesitation period is to see which date the specific hesitation period starts, and the insurance company's determination of the hesitation period is calculated based on the date of receipt of the policy.

Therefore, it is necessary to confirm the day of the hesitation period, after all, the loss during the hesitation period and after the hesitation period is very different. Surrender during the hesitation period will only deduct a little cost, after the hesitation period surrender even if it is just one day, the calculation of surrender is different, sometimes the return has not yet handed over one-tenth. Therefore, we must grasp the time limit of the hesitation period, and don't regret it when the time comes.

The surrender procedure during the hesitation period is much simpler than after the hesitation period, and generally only need to apply at the counter, and it can be easily handled according to the guidance of the service staff. The hesitation period is generally 10 to 20 days, and sometimes the last few days of the hesitation period are special circumstances when the insurance company is not open for business on national statutory holidays, and most insurance companies can postpone it to the first working day after the holiday. Therefore, if you happen to encounter this situation when surrendering the policy, do not give up the hesitation period to surrender the policy, you can consult the customer service insurance company in this regard.

At the same time, it should be noted that surrender during the cooling-off period is a surrender without reason. The so-called no-reason surrender, as the name suggests, can be refunded if you want to, and there is no need to provide other basis for surrender to the insurance company.

In general, there will be no loss other than the cost of surrendering the policy during the cooling-off period, but there are special circumstances. If it involves the type of insurance for the pre-insurance medical examination, the surrender of the policy during the hesitation period will also deduct the cost of the previous medical examination. Wealth management insurance such as investment-linked insurance may change the investment profit or loss during the hesitation period, and this part of the amount is also fully responsible by the policyholder.

Insurance products are hesitation period, the hesitation period is generally 10 days, the hesitation period is not troublesome, during this period, if the policyholder after careful consideration, find that the type of insurance is not suitable for themselves, the policyholder does not need any reason to ask the insurance company to surrender, and the insurance company must also unconditionally surrender in full.

Points to note when surrendering the policy during the hesitation period:

1. If the policyholder is unable to receive the policy in time due to special circumstances, it is best to notify the insurance company in advance.

2. After receiving the policy, be sure to fill in the policy receipt in person and indicate the date. This is because the insurance company's determination of the cooling-off period is calculated based on the date of receipt.

3. The policyholder must carefully read the terms of the insurance, and if he does not know enough about himself, or has a deviation in his understanding, he should ask the first person in time. Now, the China Insurance Regulatory Commission requires insurance companies to conduct 100% return visits to customers who purchase investment-linked insurance and participating insurance, and make ** recordings. The policyholder and the insured should seize this opportunity to verify with the returning visitor.

4. If you want to surrender the policy, you can surrender the policy without any reason, but you must submit an application in writing.