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Data:2009-12-12 2:34
Last week, in a financial forum, there are bad conscience User cursed the insurance companies, because surrender brought him financial loss.
The way it is.
Two years ago, the User to purchase a certain insurance company 50,000 yuan for an insurance policy, five years after the return of principal and part of the proceeds at the same time, provide accidental death insurance cover. Last year in December, this User purchased a family car, feeling tense capital on hand, so think of this policy. When he was asked to surrender when the insurance company, insurance companies, only to return him 45,000 yuan in cash. To this end, he was very angry that the insurance company of his two years with the white money, do not give even an interest, but also be deducted over 5,000 yuan. Many other User User support this thread that the insurance companies do not.
Journalists interviewed for this purpose insurer who, insurance companies believe that the purchase of insurance differs from bank savings, half-way policyholders will surrender did bring some economic losses, therefore recommends that policyholders do not easily surrender. The simplest way of saying you can illustrate this problem, you buy the insurance for two years, at the same time, I will give you two years of accident insurance to protect ah. You want to surrender, at least two years of premiums to be deducted ah, how could return all your premiums?
If This is to say, we wish to introduce a "cash value" concept. The cash surrender value refers to the insured or the insurance company to lift the insurance contract, the insurance company to refund that portion of the amount insured. Often less than the cash value of the insurer to pay insurance premiums.
The insured when entering into insurance contracts, you will see a cash value table. It may be many policyholders in the insurance did not notice when this form, therefore, to form the impression that insurance companies shamelessly.
Under normal circumstances, insurance companies, according to the probability of the accident to determine the insurance premium rates, the probability of the high accident rate of the premium, and vice versa premium rate is low. But in life insurance which, as Paying period is usually quite long, as the insured person's age increased, the possibility of his death will be increasingly higher premium rates are bound to rise gradually until the close to 100%, this rate only the insured unbearable, but the insurance has lost meaning. To this end, insurance companies, often used in practice "balanced premium" approach, with mathematical calculations would be required to pay all the premiums the insured throughout the period of smoothing Contributions to enable the insured to pay the premium are the same each , the insured person was young, the probability of dying is low, the insured pay a premium than the actual needs of the multi-, multi-year insurance companies pay the premium to be accumulated; the insured person in old age, death probability of a high current policyholders paid premiums is insufficient to cover current compensation, less than part of the insured person will be just a young man by the overpaid premiums to be filled. This part of the premium overpayment together with accrued interest, accumulated annual cumulative, that is, the policy's cash value, equivalent to a savings insured the insurance company.
Under the "Insurance Law", the insurance company in the following circumstances occurs, the contract shall be returned to the insured the policy's cash value:
1, insurance companies, according to the regulations lift the insurance contract, and the insured has to pay the full premiums for at least two years;
2, to death as the payment conditions of insurance contracts, since the contract within two years from the date of the establishment of the insured person committed suicide;
3, the insured person caused an intentional crime of its own disability or death, and the insured has to pay the full premiums for at least two years;
4, the insured cancel the contract, and has been more than two years to pay the full premium.
In addition, the "Insurance Law" also stipulates that the insured, the beneficiary of the insured person deliberately caused the death, disability or illness, the insurance company undertakes no obligation to pay the insurance payment. Pay the full amount has been insured for more than two years of insurance premiums, the insurance company shall be in accordance with contract rights to the other beneficiaries of the cash value of insurance refund.
Using policies to cope with a shortage of funds at present, there are a considerable number of people experiencing a need for a contingency sum in the thought of surrender, it is very easy for policyholders result in economic losses. If you will use the policy to go hand as security for loans, many of the temporary difficulties will be resolved.
25-year-year-old Xiao Zhao had had such experiences. 10 years ago, Xiao Zhao's parents bought him a 20-year period, the amount more than 20 million health care, accident and pension insurance, 10 years, Xiao Zhao's parents have been time for him Jiaoqian has been accumulated to pay Paul costs 100 thousand yuan. Xiao Zhao After graduating from college opened its own company. Two months ago, Xiao Zhao's company has more than two businesses are required to pay 60,000 yuan, but must register even worse. As a result, Xiao Zhao thought surrender. Xiao Zhao found the time when the insurers, the insurance company told Xiao Zhao, if the surrender, he can only get the policy's cash value, this number for him than his parents, less the premium paid, but from the failure of the policy, it is uneconomical. Insurance companies to remind Xiao Zhao, he can apply for policy loans. Credit line of up to 80% of cash value to pay interest on bank loans over the same period.
Here to remind policyholders to buy insurance after the end of the mandate is not their own, get a better handle insurance, the basic knowledge, so that their interests will be better protected.
