There are many ways for insurance companies to surrender now:
1, the most common thing is to bring all your original documents and valid identity documents to the counter of your local insurance company (which can be found in official website) for manual handling;
2. Call the insurance company hotline, and the customer service staff will introduce the process for you in detail;
3. Some insurance companies can also handle it online (some also have WeChat platform). Specific can go to their official website to check.
Many people are confused when buying insurance, but in the end they feel that the insurance they choose is not satisfactory and want to surrender. Then when you surrender, be serious. There are all the knowledge points about surrender in this article, so don't miss it again >> How to return the insurance surrender, how much can you return it, and how to reduce the surrender loss?
The article is very detailed, so let's choose a few key points and talk about them briefly.
Surrender is often accompanied by economic losses, but there will be no losses in these two cases:
1. Surrender in hesitation period: After purchasing insurance, there will generally be 10- 15 days as the hesitation period of insurance. Surrender during this period will generally not cause the loss of premium;
2. Misleading sales: If the insurance contract is signed under the misleading of the salesman, and the insurance contract is signed by someone else instead of myself, you will have the opportunity to get a full refund.
Apart from these accidents, it is inevitable to lose some money. At this time, what we can do is to minimize the 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.
In fact, this is more cost-effective than returning insurance. However, this method is not universal for all insurances. This treatment is not applicable to your insurance and needs to be confirmed with the insurance company.
In addition, don't underestimate these situations when surrendering:
1. Surrender time: The time of surrender is particular. It is generally recommended to retire after the waiting period of new insurance, so as not to interrupt the protection.
2. Health status: If there are more and more physical problems, it is very likely that you will not be able to pass the health notification of the new insurance. In this case, it is unwise to choose to surrender.
3. Payment card balance: If you have already thought about it, you will definitely surrender. You should empty the bank card that was originally bound to pay the insurance premium, so as to avoid the situation that you have not successfully surrendered your insurance and have been deducted during the payment period.
There are many details of surrender that deserve our attention, so I won't go into them because of space limitations. If you want to know the details, please have a look at this article. & gt What details should I pay attention to when surrendering?
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said that insurance official website