I have been insured for a year, and now the insurance company wants us to surrender. What should we do?

If it is involuntary, you can choose to sue the insurance company according to law. If it is voluntary, generally speaking, during the insurance period of the insurance contract, if the insured is not out of danger, and if the insured has paid the premium for one year, he can apply to the insurance company for surrender at this time. However, it should be noted that if the insured purchases some short-term consumer products, such as travel accident insurance, everyone needs to read the insurance contract carefully, and it may not be refundable after the contract takes effect.

One,

If the insurance contract has a hesitation period, and it has passed the hesitation period, it is probably not cost-effective to want to surrender. The insurance contract is based on the cash value of the policy. For products with low cash value, such as accident insurance, the insured will lose a sum of money if he chooses to surrender, which may be less than half of the principal. Therefore, everyone should cherish the hesitation period of the policy. If you surrender during the insurance hesitation period, you can get a full refund after deducting the fee 10 yuan.

Generally speaking, the preparation materials for surrender are relatively simple, such as the application for surrender, which requires the signature of the insured, the original insurance contract and the original identity certificate of the insured. Specifically, the insurance company's surrender clause shall prevail. In case of entrusting others, the applicant shall provide the insurance company with the power of attorney of the applicant, the original identity certificate of the client and other materials at the time of surrender.

Second,

Generally speaking, the insured is eligible to apply for commercial insurance surrender. The applicant can consult the customer service hotline of commercial insurance before surrender, and inquire about the detailed process of surrender. The insured can also apply for surrender directly to the customer service center of the local insurance company. The applicant carries the required materials to the insurance company's business outlets for surrender procedures. Generally, it is necessary to fill in the application for termination of the contract and submit the legal identity certificate and the original insurance policy. After the surrender application is passed, the insurance company will transfer the refund to the insured's bank card account according to the agreed time.

Generally speaking, most accident insurance can apply for surrender, but you need to be cautious when surrendering, and measure whether the surrender loss is acceptable in advance.