Does Kang Jun JuneYao Insurance refund cash in 5 years?

You can return it. Whole life insurance can return the payment when it is due, but only the cash value can be returned. After surrender, the deposit will be invalid. Since it has been paid in full, it is not recommended to return it. After all, life insurance is death compensation, and the amount of insurance paid will be much more than the cash value.

Surrender often has some money can't get back, but there are two exceptions:

1. Surrender in hesitation period: the hesitation period is generally around 10- 15 days. Generally speaking, you will have this time when you buy insurance. Surrender during this period will generally not cause the loss of premium;

2. Misleading sales: If the salesman has irregular operations when signing the insurance contract, and the insurance contract was not signed by himself at the beginning, it is possible to return all the premiums. Under these circumstances, it is inevitable to lose some money. What we can do is to minimize the loss as much as possible. For example, we can choose to reduce the amount and pay it off: that is, we don't ask for a refund, but take the current cash value as the insurance premium and guarantee it as much as possible. If no payment is made in the future, the guarantee will still be effective, but the insured amount will be reduced. Compared with surrender, this is a more cost-effective method, but it does not mean that every product can use this method. Whether it can be handled like this depends on the insurance company. In addition, these conditions are also the key to surrender: 1. Surrender time: the time of surrender. It is generally recommended to buy new insurance to avoid the interruption of protection after the waiting period of new insurance. 2. Health status: If the health is not very good, the health notification of the new insurance may not pass. In this case, surrender is not recommended.

3. Payment card balance: If you decide to surrender, it is recommended to withdraw all the money from the bank card that paid the premium to avoid being deducted again during the payment period.

Kang Jun Jun Yao's future whole life insurance guarantee;

1. Death or total disability insurance

(1) If the insured dies or is totally disabled at the age of 18 before the policy anniversary date, the insurance company will take the death or total disability insurance premium as the maximum compensation amount according to the paid insurance premium and cash value, and the contract will be terminated;

(2) If the insured reaches the age of 18 after the policy anniversary and dies or is totally disabled before the expiration of the contract payment, the insurance company will pay the death or disability insurance premium according to a certain proportion of the premium paid and the highest cash value, and the contract will be terminated at the same time; (3) If the insured reaches the age of 18 after the policy anniversary, and dies or is totally disabled after the contract payment expires, the insurance company will pay the highest death or total disability insurance premium according to a certain proportion of the paid insurance premium, cash value and insured amount, and the contract will be terminated.

2. The insured is exempt from paying insurance premium for accidental death or accidental total disability. Unless otherwise agreed, if the insured dies or is totally disabled within 180 days from the date of the accident, and the following two conditions are met at the time of death or total disability, the renewal insurance premium from the date when the insured dies or is determined to be totally disabled may be exempted. The exempted insurance premium is deemed to have been paid and the contract continues to be valid. (1) The applicant and the insured are not the same person; (2) The insured was under 60 years of age when he died or was totally disabled.