How to apply for surrender before immigration?

The date when new immigrants log in on 1 day is the date when green cards are issued. Therefore, as long as they hold a green card one day in a year, they are American taxpayers and need to declare the tax of the previous year before April 15 of the following year. Customers (the insured, the insured and the beneficiary) should notify the insurance company to go through relevant procedures before leaving the country, such as policy change, prepaid premium, additional insurance for surrender, etc. The insurance company will issue relevant approval documents. Applicants applying for contract preservation services abroad need their signature.

Under normal circumstances, products with death protection can provide renewal business abroad. If there is medical and health insurance protection, customers will be required to surrender their insurance. Before going abroad, you may wish to see what insurance products you have bought in China.

1. Most types of insurance, such as life insurance, dividend insurance and investment-linked insurance. You can continue to pay after going abroad, and the insurance company still bears the insurance responsibility. This kind of insurance has a long insurance period, and if you surrender, you will lose a lot. The insured should inform the insurance company before going abroad, and entrust domestic personnel to contact the insurance company regularly after going abroad to facilitate future claims.

2. Accident insurance does not need to be surrendered. Although the insurance period of accident insurance is short, the premium is cheap, the protection is high and the claim settlement procedure is simple.

3 health insurance should be surrendered, but major illness insurance, including death protection, can continue to pay. If the insured lives abroad for a long time, he can consider buying local health insurance abroad.

4. It is difficult to claim for critical illness insurance: In addition to the different domestic and foreign rates, insurance companies refuse to renew their insurance abroad, and overseas claims are more troublesome.

5. If you live abroad for a long time, if the beneficiary is yourself, it is recommended to do notarization first, and the notarized photo is consistent with the passport photo.

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