How does China Life Insurance Kangding Life Insurance surrender?

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The general process of China life insurance Kangding life insurance surrender;

Some people think that insurance can be bought almost casually in buy buy, but they are dissatisfied with the idea of surrender because they were too casual at first. If you surrender, don't be careless What are the key knowledge points of surrender? You can read this article if you want to know. How to refund the "insurance surrender", how much can be refunded, and how to reduce the surrender loss?

The article is very detailed, so let's choose a few key points to talk about it briefly.

Surrender usually means loss, regardless of the premium, but there are two exceptions:

1. Surrender in hesitation period: After purchasing insurance, there will generally be 10- 15 days as an insurance hesitation period, during which it can be said that there is basically no loss in surrender;

2. Misleading sales: If the salesman's operation is not standardized before buying insurance, it is very likely that the insurance contract was not signed by himself and returned in full.

In these two cases, it will inevitably bring economic losses. At this time, it is very important to find ways to reduce losses. For example, you can choose to reduce the amount:

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.

This will be more cost-effective than direct surrender, but it does not mean that every product can use this method, and it needs to be negotiated with the insurance company.

In addition, there are several situations that need special attention when surrendering:

1. Surrender time: It is best to surrender after the waiting period of the new insurance expires, and it is best not to interrupt the protection because of surrender and insurance change.

2. Health status: If you are in poor health, the health notice of the new insurance may not pass, so it is best not to surrender first.

3. Payment card balance: If you want to surrender, you should check the bank card used to pay the premium, stop saving money in it and take out all the remaining money. This can avoid the deduction of money after surrender and save the time of negotiation with insurance companies.

I don't know the precautions for surrender, so I won't start them here one by one. If you want to know more, you can read this article >; & gt What details should I pay attention to when surrendering?

Hope to adopt!