How can I get my money back if the Great Wall Life Insurance does not expire

Generally speaking, if you want to get your money back before maturity, you usually have to choose to surrender the policy. However, surrendering the policy does not necessarily mean that you will get back the premiums you have paid, and if you pass the cooling-off period, you can only return the cash value of the policy, which may result in a loss.

If you want to know more about how much you can surrender, you can take a look at the following: How to surrender insurance, how much can you surrender, and how to reduce surrender loss?

Next, the senior sister will tell you about the difference between surrender before and after the hesitation period.

Generally speaking, the hesitation period set by insurance products is about 10-20 days, and if the policy is surrendered within the hesitation period, the insurance company will unconditionally return the premium paid, and at most deduct the cost of the policy of 10 yuan.

However, if you surrender the policy after the cooling-off period, you will only be able to surrender the cash value of the policy, which will often result in a loss.

For those who still decide to surrender the insurance, it is recommended to take a look first: What details should be paid attention to when surrendering the insurance?

However, if the cash value of an incremental whole life insurance policy is likely to exceed the premiums paid, there is no loss in surrendering the policy.

The cash value of the policy grows rapidly over time, and at a later stage, it can exceed the premiums paid, and if you choose to surrender the policy after the return of the principal, there will be no loss and may even make a gain.

For increased whole life insurance, if you are interested, you can see: what is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

If you want to get your money back because of financial constraints, you can also check whether the policy has a policy loan interest. Insurance policies with policy loan entitlements can generally lend up to 80% of the cash value, and the principal and interest can be repaid on time within 6 months or 180 days.

That's all I've got on the issue, I hope it helps!

After purchasing Great Wall Life Insurance products, if you want to get your money back before it expires, you can generally only apply for surrender. However, if you surrender the policy after the cooling-off period, you can only get back the cash value of the policy, which may cause a certain financial loss. If the policy is surrendered within the cooling-off period, the insurance company will refund the balance of the premium paid minus the cost of production.

Regarding the detailed process of surrender, the senior sister has sorted it out in this article, and those who need it can poke here: How to return the insurance surrender, how much can the surrender be, and how to reduce the surrender loss?

1. After deciding to surrender the policy, the policyholder who has purchased Great Wall Life Insurance can call the official customer service number of Great Wall Life at 95576, and then follow the prompts of the staff to surrender the policy.

2. In addition, the user can also surrender the insurance through the official ** of Great Wall Life, and the policyholder needs to provide the policyholder's ID card, bank card, surrender application, insurance policy and other information according to the requirements of the insurance company, and send it to the insurance company by mail, and the insurance company will refund the full amount of the premium paid after the review is passed, and the insurance contract will be terminated.

3. In general, Great Wall Life can be surrendered, but it is best to surrender the policy during the hesitation period. If the policy is surrendered outside the cooling-off period, the surrender premium will be affected.

Whether you have purchased the insurance of Great Wall Life or the insurance of other insurance companies, you can surrender the policy freely.

However, before surrendering the policy, you should pay attention to the timing of this surrender.

If you surrender the policy during the cooling-off period, you can get back the premium paid without any damage, but if you want to surrender the policy after the cooling-off period, you can only withdraw the cash value at that time.

However, the cash value of the upfront policy is generally lower than the premium paid, and there will be a certain loss if the policy is surrendered.

Therefore, everyone must surrender the policy carefully.

If you buy Great Wall Life insurance, you can surrender the policy, but surrendering the policy may cause losses, so you must consider whether to surrender the policy! In the process of surrendering the insurance, it involves some professional content, it is recommended that you first learn these insurance knowledge to facilitate understanding: before buying insurance, you must first figure out these key knowledge points!

1. Surrender the policy during the hesitation period.

Insurance generally has a hesitation period of 10 days to 15 days, depending on the terms, during the hesitation period, no matter what the reason, the policyholder can ask the insurance company to surrender at any time, generally only need to deduct the cost of work can get back the premium paid, so surrender during the hesitation period, the loss to us is the smallest.

2. Surrender the policy after the cooling-off period.

After the hesitation period, the loss of surrender may be relatively large, after the hesitation period, the surrender can generally only return the cash value, most of the insurance in the first few years, with a cash value is usually very small, at this time the surrender is often unable to get back all the premiums paid, may only get back two or three percent of the premium, so the loss is relatively large. But don't worry, there are ways to reduce surrender losses, and the senior sisters are all summarized in this, let's learn it quickly: How to refund insurance surrender, how much can surrender insurance, and how to reduce surrender losses?

In addition, the senior sister suggests that when buying insurance, don't just look at the insurance company, although the company of Great Wall Life is trustworthy, but its insurance products are not suitable for us to buy, we must analyze whether the protection content of the product is comprehensive, whether the claim conditions are difficult, what aspects are not insured, and so on. At the same time, compare the different products of different insurance companies, so that you can find a more suitable product for yourself and avoid the situation of wanting to surrender the policy in the future. Here is a senior sister to share with you an insurance strategy, which can help you buy the right insurance:

Insurance] Which is good, how to buy a good deal, teach you step by step.

Xueba talks about insurance, focusing on insurance evaluation! Compare more before buying critical illness insurance, choose carefully, and try to avoid financial losses caused by surrenderTop 10 [Not Worth Buying] Critical Illness Insurance Points!

Great Wall Life Insurance Surrender generally has the following process:

Many people are confused when they buy insurance, but in the end, they feel that the insurance they chose is not satisfactory and want to surrender the policy. Therefore, it is very sloppy to surrender the policy, and the knowledge points about surrender are all in this article, don't miss it againHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Normally, a certain amount of premium will be lost when the policy is surrendered, but there are two exceptions:

1.Cooling-off period surrender:The hesitation period is usually about 10-15 days, generally speaking, there will be this time when you buy insurance, and if you surrender the policy within this time, you will generally not lose the premium;

2.Sales misleading:If the salesman is misleading about the signing of the contract when you first buy the insurance, it is possible to refund the entire premium if the signature that makes the insurance contract effective is not signed by the person.

Not in these cases, there will be a certain degree of loss, we can only choose to reduce the economic loss, such as the choice of reduction to pay

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This is more cost-effective than surrendering, but this plan is not suitable for every insurance product, and whether such a situation can be handled needs to be confirmed with the insurance company.

In addition,The following situations are very important points when surrendering the policy:

2.Health Status:If your physical condition is not as good as before, it is very likely that the health notice of the new insurance will not be approved, and in this case, it is not wise to choose to surrender the policy.

3.Payment card balance:If you have a clear idea of surrendering the policy, it is recommended not to deposit money in the card where the premium is paid, and withdraw the remaining money first to avoid being deducted before the surrender is successful.

(2) The insured motor vehicle is suspended;

3) The insured motor vehicle is confirmed to be lost by the public security organs. It is also necessary to add that there is another possibility of surrendering the compulsory traffic insurance, namely"Duplicate compulsory insurance", you can return the one with the lower insurance date.

Any insurance policy can be surrendered. You only need to bring a copy of the policyholder's ID card, insurance policy, transfer book or card, and you can go to the insurance company to go through the surrender procedures. There is a cooling-off period (less than 10 days from the time the policy is received).

Surrender during the cooling-off period with no loss. If you surrender the policy after the cooling-off period, you will suffer a relatively large financial loss, so you should be cautious in surrendering the policy.

The life insurance I bought yesterday can of course be surrendered today, but a surrender fee will be charged.

Why do you want to refund the insurance you just bought? Why don't you buy insurance when you think it through? If you surrender the policy in this way, there will be a small fee.

Nowadays, there are many people who buy insurance, and there are many types of insurance. Most of them are for personal health and property. When you get sick, you will determine whether you are covered by insurance according to the type of disease you have, and then according to the laboratory test sheet and test sheet of hospitalization.

Make a judgment. Then according to the provisions of the insurance, you will be given a certain reimbursement percentage. Property safety means that if your house, vehicle, etc. are damaged, you will be compensated accordingly.

In both cases, reimbursement can only be made within the scope of the insurance regulations.

There are still a lot of people who buy insurance. Because he can compensate you accordingly when you have a problem. Make sure you don't lose too much.

And the annual premium amount is acceptable, ranging from a few hundred yuan to several thousand yuan to tens of thousands of yuan. This is determined according to your personal economic income conditions, and if your conditions are good, you can pay more. When you have a problem, the benefits are huge.

In addition, the insurance age should be from 6 to 70 years old. However, the insurance officer will tell you that the older you are, the more you will be paying and the more you will be paying in. So the normal best age should be between six and 50 years old.

There is a 15-day cooling-off period from the effective date of the policy, during which there is no loss in surrendering the policy, and you can get back the full amount of the premium paid, but once the cooling-off period has passed, then the surrender can only return the cash value of the policy.

Yesterday I applied for insurance at the bank, and today I generally can't surrender the insurance directly at the bank, and I need to go to the insurance company to surrender the insurance.

Surrender can be divided into hesitation period surrender and normal surrender.

Cooling-off period surrender:

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. 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 the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual obligations, and when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the deduction of the cancellation to the insured according to the regulations, and this part of the amount is the cash value of the policy.

If it takes effect for a long time, then you will lose a lot of money if you return it, and it is generally not cost-effective to return it.

This is okay, if you don't want it, then hurry back, after a long time, you can't push it off, there is a few days of consideration.

Yes, insurance has a cooling-off period, and the "cooling-off period" is also called the "cooling-off period", which means that if the policyholder does not agree with the content of the insurance contract within a certain number of days after receiving the insurance contract, the contract can be returned to the insurer and applied for cancellation. In layman's terms, the hesitation period gives the policyholder a chance to be "capricious", during which if you are not satisfied with the signed insurance contract, you can basically surrender the policy without loss (deducting a certain amount of cost).

The cooling-off period is calculated from the day after the receipt of the contract signature. Life insurance products of more than two years generally have a cooling-off period. The hesitation period is usually 10 days, but the bancassurance channel has extended it to 15 days according to the regulations of the China Banking and Insurance Regulatory Commission, and now some insurance types stipulate that if the elderly are insured, the hesitation period is 30 days.

There is no hesitation period for short-term (within one year) insurance such as group insurance and card slips.

Hello, you bought Great Wall Life Insurance yesterday, and you can surrender it today, but there will be a certain loss.

I bought Great Wall Life Insurance yesterday, and I can't surrender it today. The insurance is contractual, and once signed, it cannot be surrendered during the validity period of the contract.

Insurance has a hesitation period, and you can refund it during this period without deducting money. I just bought it yesterday and returned it today.

Yes, the insurance contract has a consideration period of a few days, within which the policy can be surrendered without any deduction.

Yes, well, this commercial insurance has a hesitation period of four or five days, as long as you surrender the policy within 15 days, he will not charge you any fees, and will surrender the policy to you at the original price.