Surrender can be divided into hesitant surrender and normal surrender.
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.
I bought the three-year dividend edition of China Life Credit Suisse Pension Security 20 13 and paid it for three years 15000. Assuming that the surrender in the first year is only about 30% of the principal, customers can also see the reference value in the cash value table corresponding to the contract year, or you can check the specific information through the customer service center of the insurance company! You can apply for full surrender within 0/0 days after purchasing/kloc!
According to China's Insurance Law and the marketing regulations of the insurance industry, the salesman should explain the insurance liability, liability exemption, related matters, surrender, future income and other contents in detail when the customer handles it at that time, otherwise it is an illegal act to deceive and mislead the customer, and his company will terminate the agency contract!
Surrender: the insured can bring his ID card, insurance policy and savings card to the counter to fill out the application for surrender!
I bought China Life Credit Suisse Pension Insurance for five years. Do you want to return it? Hello, there will be some losses if you surrender your insurance. Don't choose to surrender unless you encounter great economic difficulties and pay premiums as a great burden.
Waiting until payment is due is often the most profitable choice. If you have corresponding financial difficulties, you can also apply to the insurance company for a reduction in compensation, so as to reduce the insurance amount to the range that you can bear.
I hope it helps you.
How about China Life Ruixin Pension Insurance? China Life Ruixin is a very good product in my opinion, but I don't know your specific situation, so I really dare not say that this product is suitable for you. The product itself is not perfect, and even the best product may not be suitable for everyone. You should proceed from your actual needs, so it is better to choose products!
Do you want to buy insurance now, but you don't trust the agent, so I want to come over and check again. If you really want to know how to buy the insurance that suits you, you should provide more details about yourself. There are many very professional agents here, and everyone will choose the insurance that suits them best.
Guo shou Rui Xin endowment insurance
Guaranteed to be 85 years old.
Survival insurance: (1) From the expiration of three policy years to the effective date of reaching the age of 59, we will pay 3% of the basic insurance amount every year until the effective date of the contract.
(2) Pay 6% of the basic insurance amount for each year of survival from the corresponding date of the annual effective date of 60 years old to the corresponding date of the annual effective date of 84 years old until the corresponding date of the effective date of this contract.
(3) The due insurance premium is paid at 300% of the basic insurance amount, and the contract is terminated.
How about China Life Credit Suisse Old-age Security? Whether this insurance is good or not cannot be generalized. Every kind of insurance has its own value and significance, and it is not suitable for everyone. I suggest you go to an insurance company according to your actual situation and choose a specific type of insurance. Good luck.
What can China Life Credit Suisse Endowment Insurance bring us? This is a set of health, old age, illness, death and wealth in one of the five insurances. Through the planned health and pension reserve, you can not only protect your health and pension, but also maintain your life with a stable income and a financial dividend against inflation, so that you can put aside your worries and enjoy a distinguished quality of life in your later years. China Life Credit Suisse's old-age security (dividend type) is A: attack: steady dividend; Life: no worries about serious illness; Comprehensive insurance, which integrates critical illness protection, saving for the aged and financial dividend, is the most popular product at present. Product features: healthy reserve, Enron has no advantage. When we were young, we had the ambition of the rising sun and a solid guarantee, so that we could put aside worries. Pay attention to health one day earlier, and Credit Suisse will bring you a lifetime of loyal and worry-free health protection. Old-age security, happiness, health and longevity for 80 years, when we enjoy the golden sunshine, we can have a stable income, which can make your leisure days still colorful, and Ruixin brings you relaxed life fun! Resisting inflation and striving for the success of asset preservation are the keys to financial management. High current price can effectively preserve and transfer assets and establish a reserve fund for the cause. When you lose your ability to work at the age of 80 and rely entirely on past accumulation, triple the high return can help you in your later years and add icing on the cake to a happy life. Accumulated bonus, the insured can get the bonus distributed by the company every year before receiving the extra pension. You can collect it every year, or you can put it in the company to accumulate interest.
How about China Life Credit Suisse Pension Insurance? This is a comprehensive insurance, which guarantees health (including serious illness and accidents), with fixed income (survival fund, pension fund and birthday fund), dividends (dividends, the four funds are compounded in Xin's account), and the principal is returned. It is a financial product with high cost performance and strong functionality.
Hello!
I wonder who you bought it for. Because I don't know your specific situation, I will probably introduce it to you!
On the whole, for individuals, the best security scheme is to improve their social security first, and then choose appropriate commercial insurance as a supplement according to their actual specific security needs.
Under normal circumstances, the best insurance strategy for personal commercial insurance is to improve accident insurance, health insurance and other types of insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.
You can also refer to the experience of Baidu Space (hi.baidu./ulbttivxcedorsr/item/14d8f1f832ca5a76932af21d).
I hope it helps you!