Nowadays, many people will take out insurance, especially most people take out insurance under the guidance of insurance salesmen. As a result, after taking out insurance, they find that the insurance terms are not in line with their actual needs, so they want to cancel the policy. If the insurance has not passed the observation period, can I cancel the policy ? What materials are needed to surrender the policy? Today I will take you to find out more about it.
1. Can the insurance be surrendered before the observation period?
If the insurance has not passed the observation period, the insurance can be surrendered, as long as the surrender conditions are met.
After purchasing the insurance, if you are still within the observation period, you can choose to surrender the policy. You only need to bring the relevant materials for surrender and go to an offline service outlet to surrender the policy. You must also bring relevant documents, so you must It is best to consult clearly to avoid missing the best time due to insufficient preparation of materials.
After all, the amount of insurance surrender will have a certain impact on consumers. Of course, if you choose to surrender the policy during the hesitation period, you can generally surrender the policy in full, but you will also need to deduct a fee of more than ten yuan. If you exceed the hesitation period, If the policy is surrendered during the period, usually only the cash value of the policy will be refunded.
2. What materials are needed to surrender the insurance before the observation period
The materials required to surrender the insurance before the observation period are: the original ID cards of the policy holder and the insured, the insurance policy contract and the last payment voucher and Bank cards, etc. In addition, you also need to prepare a surrender application form. Of course, if you want to entrust someone else to surrender the policy, you must also prepare an entrusted surrender application form and the original ID card of the entruster.
Generally speaking, the policy holder needs to go through the procedures to surrender the policy. However, if the policy holder does not have time, it is also possible to entrust others to handle the surrender. However, generally speaking, only parents, spouses or children can handle the surrender.
3. How long does it take for the money to arrive when the insurance is surrendered before the observation period
It takes about a week to arrive before the insurance is surrendered before the observation period. The specific arrival time depends on the insurance company.
The efficiency of the staff of each insurance company is different, so the time it takes to receive the money will also be different. Of course, as long as the surrender procedures and materials are complete, the money will arrive quickly.
The best time for insurance surrender is to miss the peak surrender period and holidays, so as to avoid delays in the arrival of surrender money due to staff being too busy or on vacation.
However, the time it takes for the refund money to be received by the insurance company cannot exceed thirty days at the latest. If this period is exceeded, you can call the insurance company to ask for the reason.
The above is all the introduction about the insurance that can be surrendered before the observation period. In summary, it can be seen that even if the insurance surrender has not passed the observation period, you can still surrender. If you want to surrender, you only need to meet the surrender conditions. However, in order to avoid relatively large financial losses caused by surrendering the policy, it is best to choose to surrender the policy within the hesitation period, so that you can get a full surrender.
Under what circumstances can I surrender my insurance and safeguard my rights?
If I have passed the hesitation period and want to cancel the policy, can I still cancel the policy in full? In fact, if the agent violates regulations during the sales process, there is still a chance for a full refund of the policy. So what are the specific situations?
- The agent acts as a signature
- Returns money or gives gifts during the sales process
- Exaggerates product income and claims during the sales process
- The agent induces or misleads sales, etc.
Of course, full refund still requires certain skills.
