There is no formalities fee for surrender, but it is 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 says "cash value corresponding to basic guarantee", which is probably the corresponding amount from the first year, the second year, and so on. At this time, you see what the corresponding amount is in the nth 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 in advance, you will definitely not get it back.
The principle of purchasing insurance is to give priority to social security, supplemented by appropriate commercial insurance.
The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.
For each of us, we should reconsider medical and health insurance. Directly speaking, with the growth of age, people's physical resistance is inversely proportional and their ability to resist related risks is relatively weak.
Therefore, you must first consider medical insurance, whether it is commercial insurance or social security, and then consider other insurance products, which makes sense. If health is not guaranteed, no amount of old-age insurance is realistic.
It is suggested that you first purchase social security provided by the state (preferably purchased by the company), including cooperative medical insurance, and then consider commercial insurance as a supplement.
Here, I know that there are three universally recognized words in this industry, which are "brand in life", "safety talent" and "Xinhua product"
Finally, we should pay attention to the principles of insurance:
(a) buy insurance to buy medical health, health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a lifetime contract. If you buy it, you will be happy for life, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) It is meaningless to buy insurance before children. If adults are not protected, it is meaningless for children to have more insurance. After all, adults are paying for children.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.