1, non-autographed: the insurance contract that is not signed by myself is invalid, and you can surrender to Pacific Insurance Company in full, which is also one of the skills of Pacific Insurance to surrender in full;
2. The insurance salesman has violated the rules: if the insurance agent or insurance broker buys insurance, if the other party's performance is intentionally misleading and there are obvious violations, such as turning a blind eye to the health notification of serious illness, all the blanks will be filled in; Or for some types of wealth management insurance, such as whole life insurance and annuity open insurance products, the expected income is exaggerated, which is seriously inconsistent with the actual income. If the customer has a recording or WeChat chat record voucher, he can apply for full surrender, which is the skill of full surrender of Pacific Insurance;
3. Surrender within the hesitation period: The skill of full surrender of Pacific Insurance is to surrender within the hesitation period, which is usually 15 days from the date of signing this contract, that is, the hesitation period of Pacific Insurance. If the applicant requests to surrender, the insurance company only deducts the insurance fee, and generally can get a full refund;
4. Surrender after paying back the capital: whole life insurance usually pays for it in a short time. Some products of Pacific whole life insurance can choose to pay the fee in five years, and the principal can be repaid in six years, that is, the principal can be repaid in the second year after payment. Although it is also a cash return, the cash value is greater than the accumulated premium, and there is no loss, but they can also surrender their insurance in full after paying back the principal.
5. The return visit is not timely: If Pacific Insurance Company fails to provide necessary risk warning during the return visit, it may request the insurance company to provide the recording of the return visit. If the insurance company fails to provide the recording of the return visit, or does not provide the risk warning in the recording of the return visit, it can generally surrender the insurance in full;
6. Properly tilt VIP customers: It is not too serious to assume that VIP customers are insured with illness. Considering that there are dozens of insurance policies in the customer's name, the insurance company can consider it as appropriate and consider full surrender when the amount of insurance is not much and the premium is not much.