Abstract: Now my family is in a bad economic situation and I want to surrender my insurance. How can I return it? Zhou Haiyan, an expert in Ping An Insurance, suggested not to return the policy unless absolutely necessary, because the insured has breached the contract, so the insurance company can only return the cash value of the policy, and the loss will be great. Consultation content: I am from Hanzhong City, Shaanxi Province. My friend has insured his children for four years. Now the family's economic situation is not good, and I want to surrender. What should I do? Consultation netizen: netizen (Fujian) expert answer: Gao Mingyu Guiyang Taikang Life Insurance should not surrender easily unless it is absolutely necessary. Otherwise, the loss is not small. Surrender is the return of cash value and accumulated bonus. If you buy it for a short time, you will generally lose money. It is better to make a policy loan, and the insurance benefits will not be affected. You can pay it back when the economic situation improves. Please contact your insurance agent for details. Shen Weijuan Shaoxing Taikang Life Insurance has to insure against accidents and diseases under bad economic conditions! Otherwise, you will get into trouble for economic reasons. Shang Xingmin Xiangfan Xinhua Life Insurance has paid for 4 years, and there will be losses when surrendering! Can be restored within 2 years! Wang Li Chengdu Hong Zhong Life Insurance took the insurance contract, ID card and bank card, and went directly to the insurance company for insurance. You can suggest that your friend postpone the payment or apply for reinstatement within two years, or you can partially reduce the insured amount. You don't have to give up all of it. At this time, it will be a great loss for your friend to surrender. Who will help us in case of any danger? The economy will be more difficult then. Xie Yaokui's surrender of Leshan Zhong Yi Life Insurance belongs to your unilateral termination of the contract, which will definitely have an impact on you. Because of your financial problems, it is recommended to apply for a policy loan, and the insurance benefits will not be affected. You can consult your insurance agent for details. If you can't surrender, you'd better not, because all of them are accumulated dividends. The longer you pay, the greater the loss! Ma Huizhou Ping An Insurance is best handled by the applicant himself (because of the need for the applicant's autograph) with the ID card, passbook and policy contract directly to the insurance company. However, it is best not to return it unless absolutely necessary. At this time, the loss of repeat customers will be great, and insurance is particularly important when the economy is tense! Zhou Haiyan Ping An Insurance is easy to surrender. If you need the identity card of the insured, you can return it to the insured insurance company with the policy and the passbook of the insured. Because the insured defaults, the insurance company can only return the cash value of the policy, and the loss will be great. Can my friend accept my suggestion? Poor economic conditions, is there still a lack of funds for children's future growth education? It costs money for children to go to school, and it costs money to get sick.

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