If you are in urgent need of funds, you can apply for a policy loan, up to 80% of the cash value. The longest loan period is 6 months. Repay the principal and interest at maturity. Failure to repay at maturity will also affect insurance rights and interests.
In addition, you can also choose to surrender. Five-year insurance has a hesitation period, that is, you can ask for surrender within 10 years. In other words, if you want to withdraw money, you can go to the insurance company to go through the formalities of surrender. Generally speaking, there is no handling fee, and if the fee is charged, it will not exceed 10 yuan. Surrender after 5 years is a period of hesitation. When the insurance coverage is lost, only the cash value can be returned, and there may be some losses.
1. China Agricultural Bank Life Insurance Co., Ltd. (hereinafter referred to as "Agricultural Bank Life Insurance") is a national life insurance company established by China Agricultural Bank Co., Ltd. and Beijing Zhongguancun Science City Construction Co., Ltd. in close cooperation and registered with the State Administration for Industry and Commerce. Headquartered in Beijing, the company has established nearly 400 branches in Beijing, Zhejiang, Liaoning, Shandong, Fujian, Hunan, Sichuan, Jiangsu, Shaanxi, Hebei, Hubei, Shanxi, Henan, Anhui, Ningbo, Suzhou, Guangdong, Shanghai, Xiamen, Heilongjiang, Jiangxi and Guangxi, including 22 branches.
As a holding subsidiary of Agricultural Bank of China, Agricultural Bank of China Life Insurance will rely on China Agricultural Bank's strong financial strength, huge business network, perfect financial services and good social reputation to provide customers with high-quality insurance protection and wealth management services.
Second, the Agricultural Bank of China Love Forever Insurance Policy Description
(1) Insurance age: agreed with the insurance company;
(2) Insurance period: life;
(3) Payment term: single payment and regular payment;
(4) Annual basic insurance amount
3. The annual basic insurance amount of the first policy year of the main insurance contract is equal to the basic insurance amount of the main insurance contract. From the second policy year, the annual basic insurance amount of the main insurance contract in each policy year is 103.5% of the annual basic insurance amount in the previous policy year.
The underwriting content of China Aviation Love Eternal Life Insurance
ABC Aiyong Life Insurance provides the insured with protection against death or total disability. The payment conditions of death or total disability insurance are as follows:
1. If the insured dies or is completely disabled before reaching the age of 18, the death insurance premium or the total disability insurance premium shall be paid according to the greater of the following two items (if the insured causes more than one total disability at the same time, it shall be paid within one item), and the effectiveness of the main insurance contract shall be terminated.
① All premiums paid;
② The cash value of the main insurance contract when the insured dies or is totally disabled.
2. If the insured dies or is totally disabled before reaching the age of 18 to 6 1, and the date of death or total disability is before the expiration of the payment period, the death insurance premium or total disability insurance premium shall be paid according to the larger of the following two items: (If the insured is totally disabled for more than one time at the same time, it shall be limited to one time), and the main insurance contract shall be terminated.
①160% of the total premium you paid;
② The cash value of the main insurance contract when the insured dies or is totally disabled.
3. If the insured dies or is totally disabled before the age of 18 to 6 1, and the date of death or total disability is after the expiration of the payment period, the death insurance premium or total disability insurance premium shall be paid according to the greater of the following three items: (If the insured is totally disabled for more than one time at the same time, it shall be limited to one time), and the main insurance contract shall be terminated.
①160% of the total premium paid;
The cash value of the main insurance contract when the insured dies or is totally disabled;
(3) the annual basic insurance amount of the policy year of the insured's death or total disability.
4. If the insured dies or is totally disabled after reaching the age of 6 1, and the date of death or total disability is before the expiration of the payment period, the death insurance premium or total disability insurance premium shall be paid according to the larger of the following two items (if applicable).