China Life's refund is unreasonable. This is so cheat people. Who should I find to solve it?

You can complain to the local CIRC and ask for the original policy at that time. The original insurance policy is signed by the applicant himself or recorded by telephone. As long as it can be proved that the insurance company has violated the rules, it can be surrendered.

According to the relevant regulations, people who meet these conditions can surrender their insurance in full:

1, hesitation period;

There is a hesitation period in buying insurance. The hesitation period is to give the insured a time to consider. If you don't want to buy it within this time period, you can surrender it in full.

2. The phenomenon of proxy signature;

This phenomenon is mainly caused by the irregular operation of salesmen. For example, the applicant signs the insurance contract, not him. If this happens, he can surrender the insurance in full.

3. No call back

According to the requirements of CBRC, insurance companies must pay a telephone call back. If not, the customer can apply for full surrender.

Extended data:

Pay attention to the following points when handling surrender:

1. The applicant for surrender is the insured. If the insured applies for surrender, he must obtain the written consent of the insured, and the insured clearly indicates who will receive the surrender money.

Two, the applicant applies for surrender, the contract has been in force for two years, and the insurance company receives the application for surrender and returns the cash value of the policy; If the payment is less than two years, after the insurer collects the insurance premium from the beginning of the insurance liability to the end of the insurance liability, the rest will be returned to the applicant.

Three, surrender to provide the following documents:

(1) Applicant's application. If the insured requests to surrender, it shall provide the certificate that the applicant agrees to surrender in writing;

(2) a valid insurance contract and the last payment certificate;

(3) the identity certificate of the insured;

(4) If entrusting others, provide the applicant's power of attorney and the client's ID card.

References:

Baidu encyclopedia-surrender