Procedure for applying for surrender

1. Visit the customer service center in person

①Application form for termination of insurance contract

②ID card of the policy holder ( When the surrender fee is 0, a copy of your ID card can be used)

③Copy of the personal bank settlement account passbook in the name of the policy holder

④Insurance policy (only additional insurance will be refunded) If it is an electronic policy or it is an electronic policy, there is no need to provide it)

2. Entrust another person to go to the customer service center to handle it

①Application form for cancellation of insurance contract

②Authorization letter

③Identity document of the policy holder (when the surrender fee is 0, a copy of the ID card can be used)

④Identity document of the agent

⑤The account name is in the name of the policy holder Copy of personal bank settlement account passbook

⑥Insurance policy (no need to provide when only returning additional insurance or if it is an electronic policy)

3. Telephone processing

Consumers can call 95519 for customer service to cancel the insurance

2. Application materials for surrender

1. Application form from the policy holder. If the insured requests to surrender the policy, the policy holder should provide it Written consent application for surrender

2. Valid insurance contract and last payment certificate

3. Identity certificate of the policy holder

4. Authorization If someone else handles the matter, the power of attorney of the policy holder and the identity card of the policy holder should be provided

Extended information:

Notes on application for surrender of insurance

1. If it is due to If it is impossible to receive the policy in time under special circumstances, it is best to notify the insurance company in advance. Secondly, after receiving the insurance policy, be sure to fill out the policy receipt in person and indicate the date

2. If the last day of the hesitation period falls during a holiday, most companies can postpone it to the first day after the holiday. Acceptance on working days

3. The policy holder must carefully read the insurance terms. If he or she does not understand the policy well enough or understands the content in a deviant manner, he or she must ask the agent promptly to avoid misinsurance

4. The China Insurance Regulatory Commission requires all insurance companies to conduct 100% telephone follow-up interviews with customers who purchase investment-linked insurance and participating insurance, and conduct telephone recordings. The policy holder and the insured should seize this opportunity to verify the rights and interests they learned from the agent over the phone with the return visitor to ensure that the contract can meet their needs and provide themselves and their families with a proper and thoughtful solution. Guarantee

5. The policyholder does not need any reason to surrender the policy, but must submit an application to the insurance company in writing. Oral requests are invalid

6. The person who is eligible to apply for surrender is the policyholder. . If the insured applies for surrender of the policy, written consent must be obtained from the policy holder, and the policy holder must clearly indicate who will receive the surrender payment.

7. If the policyholder applies to surrender the policy 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 premium has been paid for less than two years, the insurer will charge the policy from the date the insurance liability begins. After the insurance premium for the period from the date of cancellation to the date of cancellation, the remainder will be refunded to the policyholder.

Baidu Encyclopedia - Hesitation Period

Baidu Encyclopedia - Surrender