Can I cancel the policy on Saturday and Sunday of Chinese s birthday?

Generally, no, the insurance provides you with working hours that are generally legal working hours.

You can make an appointment with the insurance company, combined with your working schedule, if you are sure that you must go to handle it on Saturdays and Sundays, make an appointment in advance, communicate and explain with the insurance company, they should be able to find the staff on duty for reference.

Hello, Chinese life insurance can be surrendered, and there are several ways to surrender the insurance. 1. If the insurance is purchased through **person, you can also directly ask **person to surrender the insurance, and **person can help you handle it through his own system. 2. If there is no ** person, you can also find customer service through the Chinese Life app (android) or the official WeChat official website, propose to handle the surrender, and the system will assign ** person to contact you.

3. Or go directly to the Chinese Life Insurance outlets, you need to bring your ID card, insurance policy and other procedures.

Questions. The annual payment of 50,000 5 years has expired, only to find out that the maturity payment needs to be 2080 to receive If you surrender the policy now, how much will you lose.

You see if your contract has a cash value table. Questions. Yes.

You look at what the cash value is in five years, and it's how much money you will get back.

Questions. 4305, what about the principal.

You take a picture of that ** and I'll show you.

Questions. <>

I'll take a look at it for you later.

The surrender of life insurance is calculated based on the number corresponding to the surrender year in the cash value table of the policy, (that is, the number of years of premium payment is the first policy year) The cash value statement will generally indicate how much the sum insured is calculated in units. For example, if the sum insured is 50,000 yuan, the premium has been paid for 3 years, and the third year in the cash value table is 800 yuan, then the surrender amount is 800 x (50,000 1,000) = 800x50 = 4,000 yuan.

This formula can be calculated in general, and the specific situation is subject to the company.

Questions. At that time, when I bought it, I was told that I would pay it for 5 years, and I would be able to receive it in 5 years. That's a loss of 4000?

How much do you insure?

What conditions do you need now to receive the money, and don't surrender the insurance unless you have to, the loss is too great.

Questions. A total of 250,000 yuan was paid a year, and 50,000 yuan has been paid for 5 years.

The policy can be surrendered when the insurance contract is not fully performed. Upon the policyholder's application to the insured, the insurer agrees to terminate the legal relationship determined by the contract between the two parties, and the insurer shall refund the cash value of the insurance policy in accordance with the Insurance Law of the People's Republic of China and the contract.

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.

If the policyholder applies for surrender and the contract has been in force for two years, the insurance company will refund the cash value of the policy after receiving the surrender application; If the premium payment is less than two years, the insurer shall refund the remaining part to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

Surrenderable policy. If the policyholder does not need the protection of an insurance product, then he can apply for surrender at any time, and only need to provide his ID card, insurance policy, premium payment certificate, application for termination of insurance contract and other information to go through the surrender procedures at the insurance company.

Generally speaking, when a one-year insurance is surrendered, the insurance company can refund the remaining premium after deducting the premium and handling fee for the number of days insured;

If the long-term insurance policy is surrendered, the premium paid will be refunded during the cooling-off period, and the cash value of the policy will be refunded after the cooling-off period.

Extended information: Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer";From a risk management perspective, insurance is a method of risk management.

The value of the insurance.

The insured value is the actual value of the subject matter of the insurance. According to the provisions of the Insurance Law of the People's Republic of China, if the policyholder and the insurer agree on the insured value of the insured object and specify it in the contract, the agreed insured value shall be used as the compensation calculation standard when the insured object is lost.

If the policyholder and the insurer have not agreed on the insured value of the insured object, the actual value of the insured object at the time of the occurrence of the insured event shall be used as the compensation calculation standard when the insured object is lost.

In simple terms, the value of insurance can be determined in three ways:

1. According to the provisions of the law and the contract law, the law and the contract law are the fundamental basis for determining the value of insurance;

2. According to the insurance contract and the agreement of both parties. The insured value of some insurance subject matter is difficult to measure, such as life insurance, health insurance, and the human body and life span cannot be measured in money, then the insured value is agreed by both parties;

3. Determine the insured value according to the change in market price. The insured value of some insurance objects is not constant all the time. Most of the underlying assets also depreciate over time, and their insured value tends to decline.

Insurance companies are usually unable to handle surrender on Saturdays and Sundays, and different Zaotanfeng insurance companies have different ways to handle surrender business, so you can consult the insurance company for details.

Surrender is divided into a cooling-off period.

Surrender and normal surrender, the hesitation period surrender is the surrender of the policyholder within the hesitation period agreed in the contract, generally 10 days or 15 days, and the insurance company will return all the premiums after deducting the cost of production; Normal surrender is when the policyholder applies for termination after the cooling-off period and the insurance company refunds the cash value of the policy.

or unpaid net premiums, there will be a certain amount of financial loss.

In addition to causing financial losses, surrender will also have a certain impact on re-insurance. If the insurance is re-insured after surrender, it may be difficult to inform a waiter of the health status of a particular type of insurance due to a change in medical condition, or it may be denied protection due to an older age and over the required age. For the new insurance product to be successfully insured, the waiting period will also be recalculated.

The waiting period for general critical illness insurance is 90 days or 180 days. During the waiting period, the insurance guarantee has not yet been officially validated. If an insured event occurs during this period, there is no insurance payout.

For more information, see the term definitions for each product. Re-insured people wait at least three months to six months to get coverage.

Chinese Life Insurance.

The details of the surrender are as follows:

First, life insurance generally has a 10-day hesitation period.

Surrender during the cooling-off period can be fully refunded, and surrender outside the cooling-off period will have a certain loss, and only the cash value of the current cash will be refunded.

The cash value contract will be stated in the contract.

Second, the surrender process of Chinese Life Insurance:

1. When the policyholder requests to terminate the contract, he or she shall fill in the application form for terminating the contract.

and submit the insurance contract and the policyholder's legal identity certificate.

2. The contract shall be terminated when the company receives the application for termination. The policyholder signs for the receipt of the insurance policy.

If the Company requests to terminate this contract within 10 days, the Company shall refund all the insurance premiums received to the policyholder within 30 days from the date of receipt of the application for termination.

3. If the policyholder requests to terminate the contract 10 days after signing the insurance policy, the company shall refund to the policyholder the cash value of the contract at the time of receipt of the application for termination.

The cash value of the contract is equal to the balance of the personal account value after deducting the corresponding surrender charge.

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

Summary. Chinese Life is composed of Chinese Life Insurance (Group) Company, as well as its subsidiaries and direct subsidiaries. These include:

Chinese Life Insurance Shares****, China Guangfa Bank Shares****, Chinese Life Asset Management****, Chinese Life Property Insurance Shares****, Chinese Life Pension Insurance Shares****, Chinese Life E-commerce****, Chinese Life Insurance (Overseas) Shares****, China Life Investment Insurance Asset Management****, China Life Health Industry Investment****, Insurance Vocational College, etc.

Hello dear! For your question [can Chinese life insurance be refunded for a few days] to answer the following questions: Chinese life insurance can be refunded for a few days.

Insurance has a 15-day hesitation period, 15 days can be surrendered, will not lose the principal, such as Xun code fruit in the bank to buy in the bank to return, if in the insurance company to buy to find the insurance company salesman to return.

Chinese Life is composed of Chinese Life Insurance (Group) Company, as well as its subsidiaries and direct subsidiaries. Among them, the package includes: Chinese Life Insurance Shares ****, China Guangfa Bank Shares ****, Chinese Life Asset Management ****, Chinese Life Property Insurance Shares ****, Chinese Life Pension Insurance Shares ****, China Life E-commerce ****, Chinese Life Insurance (Overseas) Shares Trembling Lead Balance ****, China Life Investment Insurance Asset Management ****, China Life Health Industry Investment ****, Insurance Vocational College, etc.

What is the time of enrollment? It is still the time when the policy is received.

From the date of receipt of the signature and confirmation of the insurance contract, if you want to refund for the sake of safety, it is best to apply for it as soon as possible.