Can Pacific Insurance refund go to the service center
1、 Withdrawal method of Pacific Insurance:
1. Take out the Pacific Insurance Contract and confirm the insurance time of your own policy. If it does not exceed the hesitation period, you can go directly to the business office of Pacific Insurance Company to go through the relevant withdrawal proceres. The loss of withdrawal is relatively small
2. If the hesitation period is over, there will be a surrender dispute, because part of the insurance procts are withdrawn at the current value, and the cash value is calculated by the company's calculator. Therefore, for the policyholder, the loss will be relatively large. It is better to call the Pacific insurance telephone in advance to inquire how much to dect for the surrender
Second, the types of Surrender:surrender can be divided into hesitation period surrender and normal surrender. In order to solve the dispute, some insurance companies provide the way of agreement surrender
1. Surrender in hesitation period
surrender in hesitation period refers to the surrender of the insured within the hesitation period agreed in the contract. The general insurance company stipulates that ten days after the policyholder receives the policy is the hesitation period. Usually, the insurance company will refund all the premium after decting the cost
2, normal surrender
the surrender beyond the hesitation period is regarded as normal surrender. Usually, the insurance policy that has received the insurance premium shall not apply for surrender. Normal surrender generally requires that after a certain year, the policy holder can apply for termination, and the life insurance company shall return the cash value of the policy within 30 days from the date of receiving the application
extended data:
I. The following supporting data are required for Surrender:
1, insurance policy or other insurance certificates
2, the latest premium receipt
3, application for termination of contract
4, applicant's identity certificate
II. There are different requirements for surrender of Pacific Insurance:
1 If you ask for surrender within ten days after signing the insurance policy, that is, within the hesitation period, the insurance company will refund all the premiums collected. Only 10 yuan is charged
2. If you request to withdraw insurance within the term of the contract, the insurance company will return the cash value of the insurance policy within 30 days after receiving your supporting information
Any insurance can be refunded, but in different periods of time, the premium you get back is different, mainly in the following two cases:
1. You can get back all your premium within ten days of hesitation, and you only need to pay the cost of about ten yuan
2. If the insurance purchased exceeds the ten day hesitation period, you can only get back the corresponding cash value in the policy when you surrender
extended data:
surrender can be divided into hesitation period surrender and normal surrender. In order to solve the dispute, some insurance companies provide the way of agreement surrender
1. Surrender in hesitation period
surrender in hesitation period refers to the surrender of the insured within the hesitation period agreed in the contract. The general insurance company stipulates that ten days after the policyholder receives the policy is the hesitation period. Usually, the insurance company will refund all the premium after decting the cost
2. Normal surrender
the surrender beyond the hesitation period is regarded as normal surrender. Usually, the insurance policy that has received the insurance premium shall not apply for surrender. Normal surrender generally requires that after a certain year, the policy holder can apply for termination, and the life insurance company shall return the cash value of the policy within 30 days from the date of receiving the application. The cash value of insurance policy refers to the amount that can be returned when the contract is terminated or withdrawn. In the long-term life insurance contract, the insurance company usually needs to deposit a certain amount of reserve fund in order to fulfill the contractual liability. When the insured asks to terminate or surrender the contract for some reason within the validity period of the insurance, the insurance company will return the balance of the reserve fund minus the cancellation dection to the insured according to the regulations, which is the cash value of the policy
Surrender can be divided into hesitation period surrender and normal surrender
The premium consists of two parts: pure premium and additional premium. The former is used for the payment of insurance benefits, while the latter is used for the business expenses of insurance companies. The sum of the two is the business insurance premium, also known as the gross insurance premium, that is, the insurance premium that needs to be paid when insuringin practice, when the insured withdraws, the insurance company will refund a sum of money according to the cash value table. In the first two years of insurance policy purchase, the insurance company's insurance expenses, such as underwriting, policy making, settlement agent's handling charges, and employee's wages, are relatively large. At this time, when the insurance company withdraws the insurance, the insurance premium returned by the insurance company after decting the handling charges is very small
the following points should be paid attention to when withdrawing insurance:
1. The applicant is the applicant. If the insured applies for surrender, the written consent of the applicant shall be obtained, and the applicant shall clearly indicate who will receive the surrender money
2. If the applicant applies for surrender and the contract has been in effect for two years, the insurance company will refund the cash value of the policy after receiving the surrender application; If the payment is less than two years, the insurer shall return the remaining part to the applicant after collecting the insurance premium from the date of commencement of the insurance liability to the date of termination
(1) the application form of the applicant, if the insured requests to withdraw, shall provide the written approval of the applicant (2) valid insurance contract and the last payment certificate(3) identification of the insured
(4) if it is entrusted to others, the power of attorney of the applicant and the identity card of the client shall be provided
in order to protect the interests of the insurer or the insured, the applicant or the insured can not go through the surrender proceres under the following conditions:
(1) insurance policies with medical compensation for disability
(2) insurance policies that have reached the survival period
the policy holder withdraws insurance halfway after two years. Although the cash value of the policy will increase with the increase of the payment period, it is still less than the premium paid. In fact, it is the insurance consumers' own money to go back and forth. Therefore, once they buy insurance and have security, it is better not to give up security until they have to. Otherwise, they will suffer certain economic losses
therefore, we should fully consider and weigh before buying insurance, carefully consider our insurance needs and affordability, and act according to our ability
< H2 > reference materials: surrender - Network