Before entering the text, friends who are not familiar with education insurance may wish to read this introduction: Parents must read: Is it necessary to buy education insurance? How to choose the right product?
Whether you buy education insurance in Pacific Insurance or other insurance companies, if you want to surrender, you need to pay attention to whether the hesitation period has passed at this time.
In general, the hesitation period is 15 or 20 days after the insurance contract comes into effect.
During this period, the insurance company will not charge other fees except for the possible deduction of contract fees, and then will refund the premiums paid to consumers.
When surrendering after the hesitation period, the insurance company will generally return the cash value at the time of termination of the contract.
In the early stage, the cash value of many education insurance is lower than the premium paid, so it is likely to suffer certain economic losses when surrendering at this time.
If you want to know more about the basics of insurance, you can collect this popular science: before buying insurance, you must first understand these key knowledge points!
Finally, senior sister should remind you that surrender is not the only way to stop loss in time. You can pay attention to whether there is a decrease in interest on this product.
To put it simply, the deduction settlement is to pay off the remaining premium in one lump sum with the cash value of the policy, and the insurance amount will be reduced accordingly, and the insurance contract will continue to be valid.
Due to the limitation of space, the senior arranged other matters needing attention in this article: how to refund the "insurance surrender", how much can be refunded, and how to reduce the surrender loss?
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