Is the surrender process of Ping An Insurance troublesome? Can I do it online?

The surrender process of Ping An Insurance is very simple, which can be handled online or at the counter of Ping An Company.

Ping An Insurance surrender operation process is as follows:

1. Call Ping An Customer Service at 955 1 1, transfer to manual service, and tell customer service that you want to surrender. The customer service will tell you the nearest Ping An insurance counter that can handle this business and the relevant information you need to carry.

2. The applicant himself carries relevant information (original insurance contract, original ID card of the applicant, original bank card under the name of the applicant) to the nearest foreign exchange bureau for handling.

Precautions for surrender:

1. If you simply think that you bought this insurance because of your feelings, but you don't need it, then you can return it directly without any precautions.

I have no money to spend, and I want to change some money by surrendering my insurance. If your payment period is relatively short, especially if you have only paid for one or two years, the refund may be less than 50%, or even lower than the premium paid, so you should make psychological expectations.

If you want to return the insurance, change it to other insurance. Then you must pay attention to the convergence of observation period. For example, the insurance you want to change is critical illness insurance, and the observation period may be 90 days or 180 days. If you surrender another insurance directly, there will be a guarantee vacuum period. It would be wiser to wait for the new insurance to pass the observation period before surrendering it.

Considering the problem of ensuring the vacuum period, what should I do if the payment is coming soon? Critical illness insurance has a grace period of two months, during which you will continue to enjoy protection without paying. Making good use of these two months and replacing a critical illness insurance with a 90-day observation period can solve this problem well.

2. If your health changes during the holding of the old insurance contract, please don't decide whether to change the insurance easily. It is best to consult a professional before deciding whether to replace it. For example, lung nodules, thyroid nodules and other problems that you feel inconspicuous, blindly changing insurance may be tragic.

If you just need money urgently, the cash value of the insurance will accumulate to a certain extent, and the insurance itself is actually recognized. You don't need to surrender, you can solve it through a policy loan and pay interest once every six months. You can make up the money when you get through the difficulties. If the interest rate is low, the money will arrive soon.