Can children's super treasure be surrendered after five years?

You can return it, but because it has exceeded the insurance hesitation period, there will be some losses when you surrender it at this time. Surrender after five years is surrender after the hesitation period. After the hesitation period, the applicant's application is terminated, and the insurance company will refund the cash value of the insurance within 30 days from the date of receiving the application, resulting in considerable economic losses. Generally, the cash value will be indicated on the policy, and the loss can be calculated according to the terms.

First, the conditions for surrender after the hesitation period.

If you want to surrender after the hesitation period, you can only get a full refund if the insurance company defaults or expires. For example, the salesman misleads sales, the insurance company does not make a telephone call back, the salesman signs it, and so on. If the consumer finds that the contents of the insurance contract are quite different from what the salesman said after the hesitation period, then the consumer can apply to the insurance company for full surrender. China Banking and Insurance Regulatory Commission requires insurance companies to call back customers who have purchased insurance policies. If the customer does not receive such a call, he can also apply for full surrender (but it is useless if he finds that the customer has made a mistake or missed the call). If the policy of the insured has the signature or seal of the salesman, the insured can also apply for a full refund with such signature.

Second, the disadvantages of children's super treasures

There is only one choice for the payment period and guarantee period of Pacific Children's Premium Insurance. The guarantee period is 30 years, and the payment can only be shared for 65,438+00 years. Customers can't choose freely, which can't meet the policyholders' more willingness to insure. Pacific children's premium insurance only covers serious illness, which has been difficult to apply to the current protection needs. Like the current critical illness insurance, most of them can cover mild, moderate and severe diseases. Moreover, the Pacific Children's Super Treasure is aimed at children's protection, which is obviously the lack of protection for children's special diseases.

Children's super insurance can be surrendered. Although it has been paid for 5 years, it is ok if you really want to surrender, but you have to bear some losses. You can contact the staff for consultation.