You don't have to pay it back. The insurance money has been repaid.
The loan is to buy this insurance, just for fear that the lender will not be able to repay the insurance policy and borrow money. Can the accidental hospitalization policy still be used?
The use of insurance policies for loans does not affect the reimbursement of hospitalization expenses after an accident. If the policy is not surrendered, the policy loan will not be repaid
If the policy is not surrendered, the policy loan will not be repaid, which is incorrect. If the policy is not surrendered, the loan business of the policy will continue to be repaid.
1. Policy loan generally refers to a personal pledge loan business in which the borrower takes an unexpired insurance policy as pledge, obtains a certain amount of RMB loan from the bank, and repays the loan principal and interest on schedule.
2. Any natural person with full capacity for civil conduct, the applicant, the insured or the insured authorized by the group applicant who holds a life insurance policy with cash value issued by an insurance company designated by the bank can apply for a life insurance policy pledge loan. After receiving the loan application, the lender shall examine and approve it according to the relevant examination and approval process. Because there are some differences in different regions, please consult the local agency in detail when applying for a loan.
if the policy is not surrendered, the policy loan should also be repaid. The policy loan is just a pledge of the loan with the policy. The non-refundable policy has nothing to do with the loan, if it is illegal for you to borrow money.
1. If the insurance policy is not refundable, you need to find an insurance company to solve this problem. Loan and policy refund are two different things. If it is a policy loan in a commercial insurance company, it generally does not exceed 8% of the cash value of the policy.
2. If you don't repay, you will continue to pay interest after the period. When the principal and interest reach the cash value of the policy, the policy will be invalid and the insurance company will not bear the insurance responsibility.
3. However, this will not affect the reputation. If there are special provisions in the insurance contract, they shall prevail. If it is a bank loan, the credit will be affected if it is not repaid.
: Generally, it will be handled if you apply to an insurance company for surrender. If an insurance company does not surrender, you can directly complain to the headquarters of the insurance company, the consumer association or the China Insurance Regulatory Commission.
The specific complaint departments are as follows: 1. Complain to the insurance regulatory authorities. The CIRC has always stressed the importance of paying attention to the interests of the insured, and must investigate and deal with illegal phenomena such as malicious procrastination. The CIRC and local insurance regulatory bureaus will mainly accept letters and visits to insurance companies and principal responsible persons for violations of discipline. Insurance disputes concerned by the insured are generally not the focus of their handling. 2. Complaining to the headquarters of the insurance company Generally speaking, a simple insurance complaint dispute will make some progress relatively after complaining to the headquarters. 3. Complaining to the news media Many complainants of insurance companies have no choice but to complain to the news media in order to get reasonable claims. However, there are still most complaints, and it seems that a certain breakthrough has been made in the early stage, but the final result is not optimistic, which makes the complainant's mood ups and downs. The main reason is that the complexity and professionalism of insurance clauses make it impossible for many media to be as simple and effective as handling consumer electronics complaints. How is personal security guaranteed? If the party dies unexpectedly, will the loan not be repaid?
The answer to this question is as follows:
If the lender dies, the successor of the lender will bear the repayment responsibility within the scope of inheriting the estate.
if the deceased lender has no inheritance, or his heirs are unwilling to inherit it, then the loan of the deceased lender will be repaid with his inheritance, and the insufficient part of his inheritance will die out on its own.