Can urban and rural endowment insurance be refunded? How come?

The surrenderer should write an application for surrender, specify the reasons for surrender, and attach relevant materials, such as senior high school entrance examination, recruitment, household registration and other materials.

1, the insured dies;

2. The insured moves abroad;

3, the insured repeated insurance, for example, at the same time to buy the urban and rural residents' pension insurance and employee insurance, then _ can be returned to the urban and rural residents' pension insurance, even if you buy two layers of commercial insurance, at the legal retirement age, the insured can only choose one of the pension service wages and benefits, but can not receive two commercial insurances;

4. When the insured reaches retirement age, the accumulated payment period does not meet 15 years. At present, men can only retire at the age of 60 and women can only retire at the age of 55. If the insured person does not meet one of the above conditions, it is generally not allowed to return the endowment insurance for urban and rural residents.

Commercial endowment insurance can be surrendered in the following three ways:

Method 1: find an insurance salesman to handle the surrender procedures on his behalf. It is also necessary for the insured to hand over the insurance policy, as well as a copy of his ID card and bank card to the insurance salesman, and then he can go through the surrender procedures on his behalf;

Method 2: go to the insurance company to surrender. The applicant can take the insurance policy, ID card and bank card to the insurance company to surrender.

Method 3: Surrender online. Some endowment insurance products can be directly surrendered online, and generally you can see the surrender entrance on the policy details page.

The endowment insurance premium paid to the local social security can be returned, and there are generally two cases of surrender: 1. If you choose to settle your personal account of old-age insurance when you leave the rural household registration, you can return the personal payment part and interest accumulated in your personal account to me at one time, and clear the payment record, and then recalculate the payment period according to the new insurance.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC)

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Article 15

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.