Is it cost effective to surrender the insurance after buying it? How much can I get back if I surren

It is not cost-effective to buy insurance and surrender it, and if you surrender the policy after the hesitation period, you usually have to deduct a fee, and you can only get the cash value of the policy. You buy Ping An insurance, how much can be refunded by Ping An Insurance depends on how this insurance is calculated, you can go to Ping An Insurance Company to ask, see how much money can be refunded, and then see if there is any good way to deal with it, in short, it is best not to surrender.

Of course, it is not cost-effective, if the insurance starts to take effect, the insurance company will bear the insurance responsibility for you, if there is an accident, there will be compensation, so the insurance refund will not be the same as the original payment, unlike buying other goods can be refunded in full. How much Ping An can surrender depends on the policy, so you'd better go to Ping An Insurance Company to calculate, or ask the customer service what to do first. In short, there will be losses in the surrender of the policy, and it is generally rare for people to surrender the policy.

Insurance has a ten-day hesitation period, this time to surrender, Ping An company does not deduct money, individual insurance companies will deduct ten yuan of production costs, but after the ten-day hesitation period will lose a lot, because there are salesman wages, security costs, etc., good can return half of the money, individual insurance penny is not returned, pay for many years of insurance surrender can get back about one-third, different types of insurance, the cost of protection is also different, accident insurance is basically a year of payment management for a year, all used in Tianjin on the deduction but how many days, Refunds can also be a little money.

There is a 15-day cooling-off period during which you consider whether or not to buy insurance, at which point you can get a refund. If you surrender the policy, it is generally not cost-effective, even if it is 2 days later, you will have to deduct a sum of money, and you will consult the insurance company for how much.

After the insurance is purchased, if it is within the cooling-off period, if you want to surrender the policy, you can return the full amount. If the cooling-off period has passed, only the balance of the cash value will be refunded. Therefore, it is not cost-effective to buy insurance and get a refund.

Surrender is subject to a deduction for breach of contract. The specific surrender amount depends on the payment base and the number of years.

If you buy insurance if you surrender it during the hesitation period, you can get a full refund, if it is surrendered outside the hesitation period, the surrender is definitely not cost-effective, and the insurance company surrenders the insurance company according to the cash value of the year, and you will lose a lot of money.

Hello dear, it is not recommended to surrender the insurance after purchasing the insurance normally, because there is a loss in surrendering. As for how much money you can get refunded, you can check the cash value table of the policy on the third page of the insurance contract, or you can go to the counter with your ID card and insurance policy. Hope mine can help you.

Surrendering the insurance after buying the insurance is a breach of contract, and the surrender will not be cost-effective, and the surrender will lose the principal.

If you just buy and refund, you will lose a lot, so it is recommended to read the terms of the insurance and then buy the type of insurance that suits you.

Hello, surrender is not cost-effective, you can only return the cash value, which is far less than the premium.

The insurance company is not a welfare institution, but also to make money, if you buy insurance, if you want to surrender the policy, it is not cost-effective, you can call the customer service on the insurance policy ** to consult, how much money can be refunded. Even if the sum insured is paid in full, it will not be refunded in full.

If you buy insurance, once you come to the hesitation period, you will lose a lot of money if you surrender the policy.

You can read the terms of the insurance, which basically states that if the policy is surrendered, the surrender amount will be calculated according to the cash value of the policy at that time.

Generally, the cash value of the current period is listed on the policy, and it is clear at a glance when you check it.

Returning the treasure is equivalent to a breach of contract, and it can't be refunded much. However, if you want to continue to pay, the burden is long-term, so there will be some losses, and you will not be able to enjoy protection. The refund standards of each insurance company are different, so you should consult the company specifically.

It depends on how you signed the insurance contract, and you definitely didn't read the dense small print in it. You can consult the insurance salesman, but you will definitely lose it.

If you buy a one-year surrender, it is a midway surrender, and generally you can only return the cash value, which is generally about 10% to 15% of the premium paid, very little, because you don't know how much the amount paid is so it can't be calculated. If you want to know the specific amount, you can open the contract, calculate it according to the relevant terms and conditions above, or you can call ** to consult the salesman.

How to Surrender Properly

1. Assess your personal condition.

Before surrendering the policy, you must make an assessment of your age, physical condition and financial situation. In order to avoid the risk of not being able to purchase a new insurance policy in the future.

2. Apply for insurance in advance to avoid a gap in protection.

Daddy recommends that it is best to surrender the policy after the waiting period of the new insurance product. Once you have decided to surrender your policy, it is important to make a new plan in advance to minimize or avoid our exposure to risk.

3. Do not take the initiative to have a physical examination before purchasing a new insurance product.

Re-purchasing a new insurance product requires a new health notification. If it is not necessary, do not take the initiative to have a medical examination before purchasing a new insurance. If some diseases are found that affect the insurance, it is not easy to continue the insurance.

Therefore, it is necessary to conduct a risk assessment of your physical condition before surrendering and applying for insurance.

4. Arrange in advance to ensure that no more deductions will be made.

If you decide to surrender the policy, you need to apply for it and inform the insurance company that it will not pay any more. At the same time, do not put too much money in the bank card associated with the deduction of the previous product or try not to have a balance, so as to avoid automatic deduction and overpayment of premiums.

5. Make the most of the grace period.

The grace period refers to the grace period granted by the insurance company to the policyholder for failing to pay the premium on time, which is generally 60 days. During the grace period, the contract of insurance is valid even if no contributions are made. The insurance company needs to compensate for the insured accident that occurs during this period in accordance with the contract.

If you want to return insurance, you can't get back one or two percent of the money.

It is definitely not cost-effective, and the cash value at the time can be refunded.

As for how much money can be refunded, you can find the amount of surrender in the cash value table of the policy in the corresponding policy year, if it is convenient to understand your current situation in detail, and measure the pros and cons overall.

Generally speaking, depending on the specific situation, if you have purchased Ping An insurance and have been insured for many years, then it is not recommended to surrender the insurance at this time. Otherwise, it will lead to the waste of the previous insurance money, so it will also lead to the loss of their own interests, and if it is indeed because of other reasons and choose to surrender the policy, then if it is not necessary, you can choose to surrender the insurance, but whether it is cost-effective should be considered in combination with the specific situation. <>

In fact, if you have purchased Ping An insurance for many years, then there is really no need to surrender the insurance at this time, otherwise it is likely to lead to the waste of the insurance money previously insured, so you will eventually be unable to benefit from the insurance. <>

If it is true that the rules of the insurance contract are finally changed due to some special reasons, then you can apply for surrender at this time. The biggest advantage of this is that the previous insurance can be refunded through negotiation, so the insurer's loss is not very large, or there is no loss, so surrender is also the best choice at this time. <>

In fact, if the insurer has indeed purchased other insurance products of the same type, or chooses to surrender the policy for other reasons, then it can also choose to surrender the insurance at this time, and it can also fundamentally protect its own legitimate rights and interests.

In fact, for us, if we have purchased Ping An insurance for many years, then it is not recommended to surrender the insurance at this time. If you do have other insurance of the same type or for other reasons, then you can apply for surrender, so whether it is cost-effective should be considered according to your actual situation.

If you do have the need for insurance, you can only get back part of the insurance money when you surrender the policy, and it is not cost-effective to surrender the policy.

It is very cost-effective to choose to surrender the policy, because it is not possible to get a full refund if you surrender the policy, and a part of the fee will be deducted.

It is not cost-effective, because Ping An Insurance is very famous, and the ** of this insurance is not very expensive, which is very suitable for ordinary people.

Once the cooling-off period of the insurance we have purchased has passed, we want to surrender the policy and get the money, which is normally very unlikely. Therefore, we should choose to surrender the policy as soon as possible to reduce the loss of our benefits. When we buy insurance products, we should also choose large companies with a good reputation to buy, so that the insurance products we buy can have a certain amount of protection, and we can choose cost-effective products according to our own economic situation.

If you do not exceed the cooling-off period, you can surrender the policy in full. If the cooling-off period has passed, the amount on the cash value column is the money you want to refund.

Answer: Hello, there are two situations for the surrender of Ping An Insurance, one is the hesitation period, the surrender of the full amount, the normal surrender is very simple, and the policyholder can be operated by transferring the manual online on the Ping An Gold Butler. The other is to surrender the policy after the cooling-off period, which will result in a lot of losses and only the cash value of the policy will be refunded. The longer the premium payment period of the insurance, the higher the cash value, and the cash value of the insurance paid at the beginning will generally not exceed 20% of the premium paid by the insurer.

When surrendering the policy, you need to bring the insurance contract, the policyholder's ID card and the policyholder's bank card to the Ping An customer service center to apply for surrender.

If you surrender the policy, you will probably refund about 70%, and if you don't negotiate it, you may refund about 60%, because this kind of insurance is generally not allowed to be surrendered, and a high handling fee will be deducted if you surrender the policy.

If the policy is surrendered at this time, then about 80% of the full amount may be refunded, because the remaining 20% is the handling fee and default fee.

You can withdraw about 90% because you have purchased the corresponding insurance, but you may have some liquidated damages.