The impact of full surrender on the salesman is still relatively large, which means that the commission received by the salesman has been deducted. For the salesmen of insurance companies, their income mainly depends on the commission of the products they sell. Therefore, if the applicant applies for full surrender and the application is successful, the insurance company will deduct this commission, which will also affect the performance and renewal rate of the salesman, so the bonus of the salesman will also be deducted. Finding a lawyer to apply for full surrender is generally successful through complaints, which means that the salesman does not operate properly when selling insurance, and the insurance company may fire the salesman or record a demerit. In short, it still has a great influence on salesmen. For the insured, whether the insured insurance product can be surrendered has nothing to do with whether the salesman signs it, but with whether the insurance is effective and whether there is a claim application. As long as the insurance is within the validity period and no claim has been made, even if the salesman does not sign it, he can apply for surrender. We can directly prepare the surrender information and then go to the offline business hall of the nearby insurance company. We need to write an application for surrender first, and then submit the application and surrender information to the staff at the window for promotion. The staff will handle it for us after confirming the surrender information, and wait for the surrender money to arrive after surrender.
Surrender is our legal right. Except that the insurance company can't surrender the insurance claim, in other cases, the insurance company should return the cash value or residual premium to the insured. If the insurance company deliberately refuses to surrender to us, or even gives us an unreasonable surrender plan, we will not surrender if we disagree. In this case, we will negotiate with the insurance company first. If there is no result, we can complain directly to the CBRC. But everyone should remember that when complaining, complaints on working days may not be accepted on non-working days.
Legal basis: Article 39 of the Insurance Law on the surrender of property insurance: Before the insurance liability begins, if the applicant requests to cancel the insurance contract, he shall pay the handling fee to the insurer, and the insurer shall refund the insurance premium.