2. If it is dividend-paying financial insurance, the loss of cash value of surrender in recent years is very huge, and the loss probability can almost reach 50%.
3. If it is universal financial insurance, it means that after the universal account expires for a predetermined period of time, the required handling fee is reduced, which is equivalent to a large amount of withdrawal, and the longer the service life, the higher the interest paid by compound interest.
Whether my early withdrawal is a breach of contract depends on what insurance I bought. As mentioned above, there must be losses. However, the early surrender of dividend financial insurance is equivalent to surrender, which is a breach of contract and the surrender contract will be invalid; If it is universal wealth management insurance, many of them can be withdrawn at any time, but they have to pay a high handling fee or deduct a certain initial fee when the funds enter the account. This joining fee is very high, generally around 25%. However, universal insurance surrender is not a breach of contract. As long as there is premium in the account, the contract is still valid.
5, deposit and insurance should be separated, don't be misled, deposit to the bank, insurance to the insurance company.
6. If you can still surrender without loss during the hesitation period, you will generally return it within 15 days from the date of receipt. After the hesitation period, the loss can't be recovered, so we can only complain.