Today, I received a text message from Founder Insurance of Peking University saying that the insurance is effective, but I didn't buy his insurance. Why?

The surrender ratio is generally around 70%. ? During the hesitation period, the applicant can unilaterally terminate the insurance contract, that is, the applicant can surrender the insurance at any time? ,? Cancel the contract? . ?

Requirements and procedures for handover:

The applicant for surrender is the insured. If the insured applies for surrender? ,? Must obtain the written consent of the insured? ,? And the insured clearly indicates who the surrender money belongs to? ;

Does the applicant apply for surrender? ,? The contract has been in effect for two years and has been paid for two years? ,? Will the insurance company refund the cash value of the policy after receiving the application for surrender? ,? The insured has paid less than two years? ,? After the insurer collects the insurance premium from the date when the insurance liability starts to the date when the insurance liability ends? ,? The remaining insurance premium shall be returned to the applicant? .

When handling the surrender, the surrenderer shall provide the following documents:

The applicant's application for surrender? ,? The insured asks for surrender? ,? An application for transfer with the written consent of the applicant shall be provided? ;

The insurance policy and the last payment certificate provided by the surrenderer prove that the contract is established;

The identity certificate of the applicant;

The applicant or the insured entrusts others to handle it on his behalf? ,? The power of attorney of the applicant or the insured and the client's ID card shall be provided? .

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.