I believe many people should have this experience. They happily took money to the bank to make wealth management products, but after they went in, they were fooled by the wealth management manager and bought insurance wealth management products. Then, if you want to surrender, can you withdraw it in advance through insurance financing? I tell you, you can return it in full during the hesitation period, but there will be a high handling fee after the hesitation period. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?

Can financial insurance be withdrawn in advance?

Insurance wealth management products have a hesitation period. During this period, it can be exchanged for free, and the insurance company will not charge fees. However, it should be noted that while hesitating, although insurance companies are obliged to call customers to verify insurance matters, in fact, some insurance companies will not make this call. Whether we can find the change from bank financing to insurance financing in time depends on the investors' own luck. Insurance wealth management products have deposits with overlord clauses to some extent, but insurance companies will give investors a hesitation period. After the hesitation period, they will charge a high redemption fee. How high is this charge? For redemptions within the first year, the handling fee is 50% of the insured amount, 30% in the second year, 20% in the fifth year and free in the sixth year. In other words, if you can't grasp the hesitation period, you'd better wait until after the fifth year. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Surrender mode after the expiration of financial insurance

After taking out financial insurance, many people don't know how to take out financial insurance after it expires. Come and have a look with me.

At present, various insurance companies generally provide a variety of ways for policyholders to choose. The specific collection methods include going directly to the designated outlets of the insurance company, going to the customer service counter of the insurance company, entrusting the customer service staff of the insurance company to handle it on their behalf, and coming to the door.

In terms of collection methods, insurance companies usually have cash payment and transfer. In order to ensure the safety of funds, try to choose the transfer method. If the amount is small, you can choose the cash payment method.

Different people need to provide different information when receiving due insurance benefits. If the applicant and the insured are the same person, or not the same person but the insured is a minor, the applicant shall provide the insurance policy, the applicant's ID card and the applicant's account name passbook when receiving the insurance money. If it is entrusted to others, it is also necessary to provide the agent's ID card and the written power of attorney of the insured.

After the materials are fully prepared, the insured or beneficiary needs to write a power of attorney in person or by other personnel, and can handle it after filling in the relevant written materials at the service point designated by the insurance company.

As can be seen from the above, it is ok to surrender your wealth management in advance, and you can get a full refund during the hesitation period after purchase; After the hesitation period, there will be a high handling fee, which is half of the insured amount in the first year and free in the sixth year. Therefore, consumers are advised to grasp the hesitation period, otherwise it is best to redeem it in the sixth year. Finally, after the financial insurance expires, you can take it out with the insurance policy, the applicant's ID card and other information to the insurance company.

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In today's society, the cost of raising children in a family is not small. How to raise children and how to manage money has become a top priority for every family. To this end, insurance experts suggest that parents can buy some financial insurance for their children. While providing protection for children, they can also enjoy a certain dividend distribution, reducing the economic pressure on families to raise their children. However, we should remind everyone that there are some aspects to be paid attention to when insuring children's financial insurance. Learn about it through this article.