Refund can be refunded at any time, and the specific amount can be calculated as follows: it can be found that there is a loss in surrender. Let's talk about the specific content of surrender and teach you to minimize the loss!
Some people said they wouldn't think much about buying insurance, but later they wanted to surrender because they were not satisfied with the insurance they bought. If you surrender, don't be careless If you don't know what the knowledge points are, I suggest you read this article >> How to refund, how much can you refund and how to reduce the loss of surrender?
The article is very detailed, so let's choose a few key points to talk about it briefly.
Surrender often has some money can't get back, but there are two exceptions:
1. Surrender in hesitation period: About 10- 15 days from the date of signing the contract is the insurance hesitation period. If you surrender during this period, there is basically no loss;
2. Misleading sales: If the insurance contract is signed under the misleading of the salesman, and the insurance contract is not signed by myself, then there is a great chance to get back all the premiums paid.
In these two cases, the loss is inevitable. At this time, it is what we should do to minimize the economic loss. For example, we can choose to reduce the amount and pay it off:
That is to say, you don't ask for surrender, but take the current cash value as the insurance premium and insure as much as you can. If you don't pay the fee in the future, the guarantee will still be effective, but the insured amount will be reduced.
Compared with surrender, this is more cost-effective, but not every product is suitable for this way. Whether such a handling situation can pass the customs clearance needs to be confirmed with the insurance company.
In addition, these situations are also crucial for surrender:
1. Surrender time: It is best to choose to surrender after the new insurance waiting period, so as to avoid the interruption of protection.
2. Health status: If the health is not very good, it is not a health notification that cannot pass the new insurance. In this case, it is unwise to choose to surrender.
3. Payment card balance: If you plan to surrender, you can empty the card balance of the previous insurance premium. In this case, there will be no case where you fail to surrender your insurance and your money is deducted during the payment period.
The matters that need special attention when surrendering insurance are far more than these, so I won't go into details because of the limited space. For details, please read this article directly. & gt What details should I pay attention to when surrendering?
Hope to adopt!
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Source: Xueba said that insurance official website