Hello, buying for two years is about 30% refund. Only when life insurance is surrendered during the insurance period can the cash value of the policy be refunded. The specific refund amount can be found in the cash value table of the policy. If you don't know what cash value is, learn it quickly: "What is" cash value "? I will give you an answer.

1. Many people blindly buy insurance, don't know which insurance is suitable for them, almost always follow the advice of friends or insurance consultants, and finally lead to inappropriate regrets.

Then, can I surrender my insurance?

The answer is: I can return it. However, when and how to retire, the result is very different.

If you surrender your insurance within the hesitation period, the insurance company can refund it in full, and the insured has no loss.

If you want to surrender after the hesitation period, you can also withdraw, but the loss will be relatively large. Because of the surrender after the hesitation period, the insurance company is no longer a full refund, but the cash value of the policy.

In the first few years after buying insurance, the cash value of the policy is often very low, even far below the premium you pay.

Therefore, after the hesitation period, the loss is great, and the surrender should be cautious.

2. What is suitable for surrender and what is not?

Insurance can't be bought whenever you want. Insurance companies have requirements for the age, occupation and physical condition of the insured. If the insurance conditions are not met, the insurance company will refuse to underwrite.

If you regret buying insurance, you should consider your actual situation, age, physical condition, products purchased and so on before surrendering.

Therefore, dad's basic attitude is:

If the "income" before and after surrender is similar, it is best not to retreat. Even if you want to return, it is best to consider it clearly under the guidance of professional consultants before surrendering.