Buy Ping An Zhisheng Life Insurance and get the money back every month after 10 years. . How much is the refund? How to return!

Cash value of refundable policies. Cash value of the policy = premium paid by the insured-amount shared by the insurance company's management expenses on the policy-commission paid by the insurance company to the salesman due to the policy-pure premium required by the insurance company to assume the insurance responsibility of the policy+interest generated by the residual premium. You can also call Ping An National Customer Service at 955 1 1, and I will tell you the specific number.

1, how to surrender online:

1) Search the official WeChat account of the insurance company on WeChat, or open it in official website by computer, if it is the official WeChat account. Directly in the menu bar "My Service" and "My Policy", look for the words to apply for surrender. Of course, you need to click in to see the surrender application. At this point, the information you need to upload will appear on the page.

2) Just upload the prepared materials. Bian Xiao is familiar with the original ID card, original policy contract, payment list, etc. Since it is an online application, it must be uploaded electronically, and then it will enter a three-day review period.

2, offline surrender process: the offline surrender process is very simple, in fact, it is similar to online, but the first step is to call yourself to ask about your insurance policy, and then prepare some information according to customer service tips, which is similar to the information prepared online. Identity card, entrustment agreement, application for surrender, etc. And bring these materials to the insurance company's offline outlets for surrender, then the whole surrender process will come to an end, which is actually very simple.

3. About refund: I can tell you for sure that the purchased Zhisheng products have passed the hesitation period after paying 10 years, which is not a surrender within the hesitation period, because there is no reason to enjoy full surrender within the hesitation period, and it is a normal surrender after paying 10 years. The specific refund needs to be calculated according to the cash value form in the policy contract, which is influenced by many factors.

4. Reasons for surrender: Because the service attitude of insurance company personnel is extremely bad, this situation often happens, because consumers originally bought a service other than insurance, and now it is a service-oriented society, so once the insurance company's people have a poor attitude towards claims, they want to surrender. It is also possible that the address and telephone number may change due to the relocation and divorce of the insured family. Then the insurance company certainly can't remind the renewal fee, because the family relationship has changed, and these situations will lead the surrenders to choose to surrender. When you find a better product, you naturally want to surrender.

Operating environment: Apple 1 1 model ios 14, WeChat version 8.0. 16.