建信人寿保险买了一年能退吗 建信人寿保险买了一年能退吗怎么退？

摘要： BUILD Credit Life Insurance can be refunded after one year. If you have paid for the policy for one...

BUILD Credit Life Insurance can be refunded after one year. If you have paid for the policy for one year and want to cancel it, you can apply for a refund as long as you meet the relevant conditions. However, the refund amount will not be the full premium paid and will depend on the policy's cash value at the time of cancellation.

1. Check the cash value before cancelling

When considering cancelling a life insurance policy, it is essential to analyze the cash value of the policy at that time. The cash value represents the amount of money the policyholder would receive if they surrender the policy prematurely. If the cash value is sufficient and meets your financial needs, it may be a good decision to cancel the policy.

2. Consider switching to another policy

If you are concerned about potential losses when surrendering the policy, a viable option is to switch to a different policy with a guaranteed renewal period of 20 years. By doing this, you can transfer the cash value from the original policy to the new policy without incurring any losses.

3. Flexible policy benefits of BUILD Credit Life Insurance Longyao Series C

The BUILD Credit Life Insurance Longyao Series C offers various flexible benefits, including the option to reduce the coverage, take out policy loans, or cancel the policy midway. These features make the policy more adaptable to the insured's changing financial needs. If the insured requires immediate access to funds during the benefit period, they can utilize the cash value through reducing coverage or taking out a policy loan.

4. Partial refund and surrender charges

When cancelling the BUILD Credit Life Insurance after one year, it is important to note that the refund will not be the full premium paid. Instead, the refund will be based on the policy's cash value at the time of cancellation. Additionally, surrender charges may apply, which could further reduce the refund amount.

5. Procedure to cancel the BUILD Credit Life Insurance policy

If you are considering cancelling your BUILD Credit Life Insurance policy, there are several ways to initiate the cancellation process:

1. Visit an offline branch: Bring the policy document, identification card, and bank card to the branch and follow the instructions to cancel the policy in person.
2. Utilize the agent's services: Provide the agent with copies of the policy document, identification card, and bank card, and authorize them to cancel the policy on your behalf.
3. Utilize the cooling-off period: Most insurance policies provide a "cooling-off" period of 10 days after purchase, during which the policyholder can cancel the policy without any financial loss.
4. Contact customer service: Call the insurance company's customer service hotline to inquire about the specific cancellation process and required documentation. This will help expedite the cancellation procedure.

Conclusion

In summary, it is possible to cancel a BUILD Credit Life Insurance policy after one year. However, the refund amount will be based on the policy's cash value at the time of cancellation and may incur surrender charges. It is recommended to assess the cash value and consider alternative options, such as switching to a different policy, before making a final decision. The cancellation procedure can be carried out either in person at an offline branch, through an agent, or by contacting customer service.