1. Online surrender: Open Kangtai Insurance Company official website, and tell yourself that you have the idea of surrender after finding customer service. Please give me a surrender guide to complete surrender. In addition, you can also call the customer service phone of Kangtai Insurance Company to surrender. On the phone, the customer service of Kangtai Insurance Company will also give guidance, so it will be easier to surrender.
2. Offline surrender: If you really don't know the operation method of online surrender, you can surrender directly to the outlets distributed offline by Kangtai Insurance Company. With the introduction of the insurance salesman, it is easier to surrender.
1. How does Kangtai Insurance return the notice?
As we all know, surrender will cause losses to yourself. If you surrender after the hesitation period, the premium will not be refunded in full, but only the cash value, but generally speaking, the cash value is far less than the premium paid at the beginning. Take the critical illness insurance products of Kangtai Insurance as an example. The annual premium is fixed, but the probability of claim settlement is that the older you get, the higher you get. The money we paid a few years ago is actually subsidizing the high probability that you will get sick when you are old. If you surrender your insurance when you are young, it means that you have paid the money again and did not enjoy the protection of high incidence of diseases in the future, resulting in losses. In addition to losing some money, more importantly, there will be two problems after surrender:
1. The insured can no longer apply for insurance due to physical changes. With the growth of age, there will always be many small problems in everyone's health. At this time, it is difficult to obtain insurance through health notification, so this situation will also be refused by insurance companies, which is not particularly cost-effective.
2. With the increase of the insured's age, the annual premium will increase, and if the premium is paid again, the re-purchase price will be higher. For example, in the past, the payment period was 30 years, but now it has been paid for 3 years, and then it will be 27 years. But if you buy it again at this time, it will take another 30 years, which is not worth the candle.
2. How much can Kangtai Insurance refund?
The surrender of Kangtai Insurance is calculated according to the cash value. Generally, the higher the cash value, the higher the surrender amount. As for how much money can be refunded, consumers can find out clearly in the insurance contract, depending on the premium paid by the insured.
Third, under what circumstances can I surrender my insurance in full?
If you have passed the hesitation period, can you still surrender in full if you want to surrender? In fact, if the agent violates the rules in the sales process, there is still a chance to completely surrender. So what are the specific situations?
1. The agent signed on his behalf.
2. There are refunds or gifts in the sales process.
3. Exaggerate product income and claim in the sales process.
4. The agent has induced or misled sales.