You only need to provide the company staff with a copy of the applicant's ID card information and a copy of the passbook for paying insurance premiums and sign the relevant materials.

First of all, it must be clear: surrender is a loss, and the possible loss is not small. We may have paid tens of thousands of premiums and only got a small part back.

Some people think that the loss of surrender is large, and that insurance companies are too cheat people. However, many foreign insurance companies surrender their insurance in the first two years, and the cash value is.

0, consumers can't get a penny. So from this perspective, domestic insurance companies have taken care of many blind insurance users.

We want to surrender, don't be wronged. In fact, this also caused losses to insurance companies:

Procedure cost: No matter signing the contract to surrender, the insurance company will spend manpower and material resources to be responsible for the operation, which is the cost;

Commission cost: in the first year of insurance, the insurance company will pay a certain commission to the agent, and once the insurance is surrendered, the commission paid cannot be recovered;

Guarantee deduction: because the insurance has provided risk protection within a few years, it is necessary to deduct the cost of this piece.

If you can accept a certain loss, you can really choose to surrender, so that you can cut the gordian knot and end it as soon as possible. How much can I refund? You can look at the cash value in the insurance contract If you can't find it or don't understand it, you can call the customer service of the insurance company.