1, surrender by phone. The surrenderer can apply for surrender according to the customer service telephone number of He Zhong Life Insurance retained in the policy, and can surrender through customer service.
2. official website turned himself in. The surrenders first log in to United Life official website, enter the service hall page and find the manual customer service. Reply "surrender", and then select online surrender in the pop-up window. After reading the surrender terms, fill in the reasons for surrender, and click "Confirm surrender" on the details page.
3. Service outlets surrender. The surrenderer prepares the surrender information and surrenders to the United Life Service Network. After completing all the formalities according to the staff's instructions, you can surrender your insurance.
As for how much United Life can refund?
How much United Life can refund depends on whether it is still hesitant.
During the hesitation period, that is, within 10- 15 days after the policy comes into effect (the specific number of days shall be subject to the provisions in the policy), if the applicant has a tendency to surrender and decides to surrender, the insurance company will surrender in full after deducting the basic working expenses, regardless of whether it surrenders. Therefore, the insured who has purchased the joint life insurance can apply for full surrender if he wants to surrender during the hesitation period, and basically the economic loss can be ignored.
Surrender after the hesitation period is also regarded as normal surrender, and the fee returned at this time is only the cash value of the policy. The specific calculation formula of cash value is clearly marked on the policy, and the insured can read the calculation. But relatively speaking, it is not cost-effective.
However, if the insured buys the return insurance of United Life Insurance and surrenders the insurance after the insurance period expires, he can get back the principal.
Joint life insurance surrender steps
The surrender steps of Union Life are as follows:
First, confirm the surrender materials to He Zhong Life Insurance Company. You can call He Zhong Life Customer Service.
Next, prepare the materials required for surrender of United Life Insurance:
Generally, it includes insurance policy, ID card, surrender application or entrustment application, etc.
Insurance policy: an insurance policy, that is, an insurance policy, is a receipt issued by an insurance company on the date of signing an insurance contract.
Application for surrender: If the applicant intends to surrender the company, it is not enough to just sign the application for surrender. Because it is stipulated that the unit must be stamped when surrendering.
Payment receipt: the receipt when the insurance premium is paid. To be on the safe side, it is suggested that the insured must bring the latest payment voucher for easy inspection.