How to return whole life insurance E dividend insurance after it expires?

Life Life Hotspot Recommendation: Company Profile official website and Customer Service Hotline inquire about insurance protection. Recruitment consultation content: I just bought the dividend insurance of Life Life, and my family is not very talkative. I want to change it to critical illness insurance. How to surrender? Consultation User: 482223 (Hangzhou) Expert Answer: Has China Ping An Life Insurance Company of China Insurance Company Shaanxi Yongchang Linfen Branch passed the hesitation period? After the hesitation period, it is recommended not to surrender. When you surrender, you can call the salesman or bring your ID card and policy to the local business hall. Chen Huifang, Hangzhou Sunshine Life Insurance, the advice given by your family is also reasonable, because critical illness insurance is our first consideration when planning insurance. After transferring the risk of serious illness, plan financial management and investment! Of course, I personally suggest that you can take out a critical illness insurance as soon as possible according to your actual situation; Then the dividend insurance you are currently insured can be used as one of the financial management methods! China Jian Jiang Ping An Life Insurance Company of China Insurance Company, Hangzhou, if the hesitation period has passed, it is recommended not to surrender, which will cause great losses. Dividend insurance can at least fight inflation, and bad products will not be too bad after a long time; If you want to consider paying in advance for serious illness, you can buy another one, get to know more about it and choose one that suits you better. This dividend insurance can be observed later. If dividends are really not good, it is not too late to wait until the cash value is more. (The hesitation period generally refers to 10 days after you sign the insurance contract; Cash value: directly speaking, it is the money you can get when you surrender. Look before you leap! Gong, China Ping 'an Jingmen Life Insurance Company, have you bought life insurance? If not, your idea when signing the contract must be consistent with the interests stipulated in the contract, otherwise, you can't buy it, right? As for the family, there must be his reasons, but they are not you after all, because your position in the family is unique. Although you can listen to their opinions, the final decision is in your own hands. I don't know how long this insurance policy has been signed. If you have no hesitation period (10 days after you get the policy and sign it), there is no loss in your surrender. But if you retire after the hesitation period, you will lose money. I suggest you think twice. Being forced to save, the final income will be more cost-effective than saving in the bank, and at the same time, there is another guarantee.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.