How to refund the insurance?

Question 1: China Life has bought it for one year. How to return it? Remind everyone again that insurance is not a bank deposit. Brother, you bought insurance products, not bank deposits. You bought an intangible product. Just like if you buy a TV set, if you want to return it, people will do it or not. Fortunately, * * * thinks that ordinary people don't understand the insurance major at present, and has set a hesitation period of 10- 15 days, which means that you can return the goods unconditionally at this time, and the insurance company will fully refund the expenses of 10 yuan. After this protection period (note that foreign markets are mature and there is no such reference), surrender will be a loss. Of course, unless you can prove that you were misled by them, you can call 12378 to refund your premium, but this requires evidence.

As for the proportion of surrender losses, it depends on the specific insurance clauses. The cash value is different, and the loss of surrender in the first year is relatively large. Generally, there will be a loss of about 10-30%, subject to the contract. Maybe you haven't read your insurance contract yet. To put it simply, judging from the product you described, it should be a long-term life-and-death pension. This kind of insurance needs a lot of long-term investment, depending on your financial capacity.

Remind friends of your time:

1, you need to be cautious when buying insurance, and you will lose money when you surrender.

Don't just listen to the insurance company, read the contract terms carefully.

Don't sign if you don't know, but you should be responsible for your signature.

4, insurance is very important, but you need to do what you can, that is, buy it without affecting your life.

5, the elderly and other policies to prevent the change of deposit certificates.

6. Don't believe that there will be a free lunch in the world.

7. Don't be too confused by the enthusiasm of the insurer, and don't buy insurance policies because of the affection or impulse of relatives and friends, so as not to put yourself in a passive position.

8. The particularity of insurance products lies in the agreement that uncertain losses or disasters will occur in the future, so they are special. Many people, especially China people, are unwilling to foresee this kind of risk and dare not mention disaster and death, but the risk exists objectively, only in probability.

9. Establish a correct insurance awareness: it is best not to have a lifetime insurance accident when buying insurance. But if there is no insurance accident settlement, you will feel a sense of loss, which is normal psychology. This is the special feature of insurance, tens of thousands of dollars to buy a useless piece of paper. Therefore, in recent years, insurance companies have invented old-age security to meet the public's psychology, that is, the kind of insurance you bought is expensive. This depends on your own understanding and acceptance.

Insurance is necessary abroad. We should arrange our own security reasonably according to the stage of life, income level, professional characteristics and family structure, and at the same time do not increase too much burden. This is the correct concept of consumption.

For your reference only. Please believe that "insurance will make life better" proposed by the State Insurance Regulatory Bureau!

Question 2: How can Ping An Insurance get a refund? Hello! After reading your description, I think there is something wrong with that salesman. How can you buy it in a fog? You should know the benefits of the insurance you bought before buying it. Salespeople should not just fool people, but really think about customers.

I want to talk to you about whether you want to buy insurance. But considering that I don't want to do it with you, I feel embarrassed.

Tell me about your surrender. Actually, surrender is relatively simple.

Let me answer your three question marks one by one.

1, when will it be returned? In fact, it is not good to retire at any time, and it is a loss for you.

2. how to return it? Take your original insurance policy, copy of your original ID card, original bank card and receipt, and go to the business hall yourself or ask a salesman to handle the surrender formalities for you.

3. How much is the loss? The minimum guarantee is gone, and your first-year guarantee cost and the initial cost of the policy should be deducted. As for how much you can keep in the end, you can look at your policy, which shows your interests. The cash value of the policy every year is the money you can get back.

Suggestion: It is best not to surrender. You can learn more about the insurance plan you have insured, and there will definitely be your needs in it. Then consider what you are worried about now and see if I can help you solve these problems.

I look forward to further communication with you!

Question 3: How to surrender during the hesitation period? China Life will refund all premiums after deducting insurance fees.

Surrender in hesitation

Surrender in hesitation period means that the insured surrenders within the hesitation period stipulated in the contract. General insurance companies stipulate that ten days after the insured receives the policy is the hesitation period. Usually the insurance company will refund the full premium after deducting the production cost.

Surrender normally

Surrender beyond the hesitation period is regarded as normal surrender. Usually, the insurance policy that has obtained the insurance premium may not apply for surrender. Normal surrender generally requires that the applicant can apply for termination after a certain period of time, and the life insurance company should refund the cash value of the policy within 30 days from the date of receiving the application. The cash value of a policy refers to the amount that can be returned when the life insurance contract is terminated or surrendered.

In an insurance contract, an insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual responsibilities. When the insured requests to cancel the contract or surrender due to the insurance validity period, the insurance company will return the balance of the deposited liability reserve minus the cancellation of deduction to the insured according to the regulations, which is the cash value of the policy.

Question 4: How to surrender? I understand what the landlord means: how can we reduce the loss of surrender, and it is best to get all the premiums paid back, that is, how to surrender in full? Because if you simply surrender, or the landlord is willing to surrender at the cash value according to the requirements of the insurance company, then just go to the insurance company counter to surrender, which is not a problem!

How much will you lose if you surrender? In fact, it means that when consumers surrender, the insurance company surrenders according to the so-called cash value. However, there is a certain gap between the cash value of the policy and the premium paid, which brings losses to consumers.

The specific loss is directly related to the policy type and payment period. If you buy dividend insurance or universal insurance, you may lose about 50% of your principal if you want to surrender. So the most important thing is to protect our own interests and strive for full surrender.

If you want to surrender your insurance in full, it depends on whether the insurance company misled you when it first sold it, for example, describing insurance as a high-yield wealth management product. If it can be proved that it is misleading to buy, then there is hope of full surrender. You can search-Century Security Network-and have a look.

I hope I can help you for your reference!

Question 5: What should I do if I want to return the insurance? Hello!

1. If you ask for surrender within 10 days after signing the policy, that is, within the hesitation period, the insurance company will refund all the premiums received.

If you ask for surrender within the contract period, the insurance company will refund the cash value of the insurance policy within 30 days after receiving your supporting information.

3. The following certification materials are required for surrender: 1, insurance policy or other insurance certificates; 2. The latest premium receipt; 3. Application for termination of the contract; 4. The identity certificate of the insured.

Question 6: How to return the dividend insurance? It seems that you have been cheated.

Insurance company-hide the knife in the smile.

I have read many articles about insurance on the Internet recently. Let me explain the current situation of the insurance industry to you. After careful reading, you will benefit for life.

1, the insurance salesman conservatively estimated that 80% were cheating customers. This includes intentional and unintentional. The high elimination rate of insurance company salesmen is extremely irresponsible to customers.

For example, someone later found himself cheated by an insurance salesman and complained to the insurance company. At this point, the salesman has left. At this time, even complaining is "a blind man lighting a candle in vain." Many salesmen stay in insurance companies for only one month, less than 7% in two years and less than 2% in five years.

At present, almost all domestic insurance companies have a unified statement when they make mistakes: "Now the domestic insurance industry is not standardized, and we are still learning" to excuse themselves. We might as well ask: "You are studying, should the client pay the tuition for you?" This robber logic has become an unwritten rule of all insurance companies. This sentence was said ten years ago and remains unchanged today.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the written terms of the contract are unilaterally formulated by the insurance company, and some written terms have multiple interpretations. So once a lawsuit is filed, the customer will suffer. Insurance claims are more troublesome. Insurance companies are not so simple to settle claims, and 80% may go to court. In other words, once you sign an insurance contract with an insurance company, the probability of you going to court with this insurance company is 80%. Unless you give up the claim, the success rate in this 80% is probably 15%, because there are many explanations in the written terms of the insurance contract, and the normal claim is 20%. So, if you buy an insurance policy, the probability of settlement is 35%. "

Question 7: How does Taikang Life withdraw its license? Insurance is a fraud ring. After 30 years, I still can't get the principal. What kind of bank is simple interest and insurance is compound interest? He's a fucking quick-witted and courageous liar.

Question 8: How does Shanghai Insurance handle filing and account transfer procedures? 1. The employing unit shall fill in the Registration Form for Retirement of Foreign Employees (Participating in Urban Basic Endowment Insurance) (in triplicate) and submit it to the county administrative department where the production and operation are located for record and registration. 2. The district and county administrative department accepts the registration form for the retirement of foreign employees (participating in urban basic old-age insurance) submitted by the employer. After confirmation, the employer, the employee himself and the district and county administrative department each keep one copy. When the migrant workers terminate or terminate the labor relationship with the employer, the unit shall carry a copy of the Registration Form for Retirement of Migrant Workers (Participating in Urban Basic Old-age Insurance) to the social security center of the county where the insured belongs to handle the formalities for the transfer of individual accounts of migrant workers. Note: The photocopy of the resignation registration form of foreign workers (participating in urban basic endowment insurance) provided by the unit must be stamped with the official seal of the employer.

Question 9: How does Taikang Insurance return the goods?

Just apply to the service center of the local insurance company. The procedures include: the original contract, the original ID card of the insured, the cooperative bank account, and the application for surrender (provided by the insurance company).

At the same time, if it is received in advance (equivalent to breach of contract), it will be calculated according to the cash value stipulated in the contract. On the first few pages of the insurance contract, there are several records about the cash value. The first column above is "the cash value corresponding to the basic guarantee", which is probably the amount from the first year to the second year, and so on. At this time, you see what the corresponding amount is in the fifth year, and the above is the result of how much you should receive.

Generally, the longer the time, the smaller the loss. After all, you have paid, and you also have this guarantee. I suggest you return the goods carefully. In addition, if you surrender your insurance in advance, you will definitely not get your premium back.