平安福交了4年，要不要退保? 平安福交了4年了怎么全额退保？
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应答时间：2021-11-04，最新业务变化请以平安银行官网公布为准。
退，交四年了也要退。
身边有太多例子证明买保险理赔难，烦琐的手续，拿不完证据。
虽然交了四年保险了，退保的话很多人会觉得很可惜，但是交的时间越长吃亏的越是自己，已经损失了自己四年的钱，多交一年就等于多损失一年的钱，即便保险承诺有红利返钱，其实那都是个人交保险的本金，保险公司不会亏钱拿出来给红利，所有的钱都是羊毛出在羊身上。
有很多人去退保，四年交了四五万，退却只能退几千块，那是因为保险公司的合同都是对自己有利的，不交钱就是违约，各种扣除本金的条例他们会一一列举，即便和保险公司打官司，个人赢得几率可以忽略不计。所以很多人眼看退不出钱就继续交钱等着所谓的“分红”。
可一步错步步错，已经上了四年的当，还要继续交钱，这不就是自欺欺人，所以退保吧，早退早高兴。不然每年又心疼交的钱，又拿不回来回报，没有任何意义。
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绛旓細骞冲畨绂忎氦浜4骞村彲浠ラ夋嫨杩涜閫淇銆傚钩瀹夌灞炰簬骞冲畨浜哄淇濋櫓鍏徃鏃椾笅鐨勯櫓绉嶏紝淇濊垂鏄瘮杈冮珮鐨勩傚ぇ瀹舵兂閫淇濆綋鐒舵槸鍙互鐨勶紝涓嶈繃寤虹珛鍦ㄥ凡缁忎氦浜嗗洓骞寸殑淇濊垂鍓嶆彁涓嬶紝闇瑕佹剰璇嗗埌缁忔祹鎹熷け鐨勯棶棰樸備繚闄╁叕鍙哥殑閫淇濅笉鏄叏棰濊繑鍥炵殑锛岀敋鑷充細澶уぇ璐笺傚ぇ瀹跺湪閫淇濆墠搴旇鑰冭檻娓呮锛岀┒绔熸槸涔伴敊浜嗚繕鏄兂鎹㈠彟澶栫殑闄╃锛屼害鎴栨槸浜轰簯...
绛旓細浜や簡6骞寸殑骞冲畨绂忚涓嶈閫鍙栧喅浜庤淇濋櫓浜烘槸鍚﹁繕闇瑕佽繖浠戒繚闅滐紝浠ュ強鑳藉惁鎵挎媴閫淇鐨勭粡娴庢崯澶便傚鏋滄秷璐硅呰涓鸿繖浠戒繚鍗曞凡缁忔棤娉曟弧瓒宠嚜宸辩殑闇姹傦紝鑷繁鐪嬩腑浜嗘т环姣旀洿楂樺鏋滈夋嫨閫淇濈殑璇濆彧鑳介杩樹繚闄╃殑鐜伴噾浠峰奸儴鍒嗭紝宸茬粡涔颁簡6骞磋鏄庡凡缁忕即绾充簡寰堝ぇ涓绗旂殑淇濊垂锛岃繖鏃跺欓淇濋杩樼殑閽辫偗瀹氭槸姣旀湰閲戝皯鐨勶紝杩欐牱瀛愬緢涓嶅垝绠...
绛旓細1.骞冲畨绂忎拱浜斿勾浜閫淇濓紝灞炰簬鐘硅鲍鏈熷悗閫淇濓紝鍙兘閫淇鍗曠幇閲戜环鍊硷紝浠ヤ氦30骞翠繚缁堣韩锛岄骞翠繚璐5520锛岄檮鍔犲钩瀹夌閲嶇柧18鐗堜氦30骞翠繚缁堣韩锛岄骞翠繚璐4080涓轰緥锛屼氦浜浜斿勾鍚庨淇濓紝鍙12120锛2.骞冲畨绂忔湁澶氫釜鐗堟湰锛屼互骞冲畨绂21鐗堜负渚嬶紝鍏跺睘浜庣粓韬噸鐤鹃櫓锛屼富瑕佸彲淇濊韩鏁呫40绉嶈交鐥囥20绉嶄腑鐥囥120绉嶉噸鐤剧瓑銆傜患杩帮紝閫...
绛旓細濡傛灉涓嶇即璐逛篃涓嶉淇濓紝閭ｄ箞鍙互鏆傛椂涓嶅姩骞冲畨绂淇濋櫓淇濆崟锛屽埄鐢ㄥ闄愭湡鍜屽鏁堟湡缂撹В缂磋垂鍘嬪姏銆傝屽钩瀹夌淇濋櫓鑻ユ槸涓缂磋垂锛閭ｄ箞灏变細杩涘叆60澶╁闄愭湡锛屽闄愭湡鍐呬繚闅滀粛鏃ф湁鏁堬紝鎶曚繚浜哄彲浠ラ殢鏃剁画淇濇垨閫淇濄傚鏋滃闄愭湡杩囪繕鏈即绾充繚璐癸紝閭ｄ箞淇濆崟浼氭殏鏃跺け鏁堬紝杩涘叆2骞翠繚鍗曞鏁堟湡锛屽鏁堟湡鍐咃紝鎶曚繚浜哄彲浠ラ殢鏃剁敵璇蜂繚鍗曞鏁堬紝...
绛旓細浠ラ伩鍏嶅洜鏉愭枡涓嶉綈鍏ㄨ屽欢璇淇濇墜缁傜患涓婃墍杩锛屽钩瀹夌浜や簡鍥涘勾鍚庢槸鍚﹁鍋氬噺棰濅氦娓呴渶瑕佹牴鎹釜浜烘儏鍐垫潵鍐冲畾銆傚噺棰濅氦娓呭彲浠ラ檷浣庝繚璐规敮鍑猴紝浣嗕篃浼氬噺灏戜繚闄╅噾棰濓紝闇瑕佺患鍚堣冭檻椋庨櫓鍜岄渶姹傘傚鏋滃喅瀹閫淇濓紝闇瑕佹寜鐓у钩瀹夌鐨勮姹傚～鍐欓淇濈敵璇疯〃鏍硷紝鍑嗗鐩稿叧鐨勬潗鏂欙紝骞朵笌瀹㈡湇閮ㄩ棬鑱旂郴鍔炵悊閫淇濇墜缁
绛旓細骞冲畨绂忎氦浜4骞鑳閫淇鍗曠幇閲戜环鍊硷紝浣嗘槸鏍规嵁缂磋垂鏈熼檺銆佺即璐归噾棰濄佹姇淇濆勾榫勪互鍙婂叾浠栧洜绱犵殑涓嶅悓锛岀幇閲戜环鍊间篃鏈夋墍涓嶅悓锛屼妇渚嬶細濡傛灉鏄18宀佺敺鎬ф姇淇濆钩瀹夌18鐗堬紝浜30骞翠繚缁堣韩锛岄骞翠繚璐4950锛岄檮鍔犲钩瀹夌閲嶇柧18鐗堬紝浜30骞翠繚缁堣韩锛岄骞翠繚璐1050锛屽垯鎰忓懗鐫鎶曚繚浜烘瘡骞撮渶瑕佺即绾充繚璐6000锛岃岃嫢浜4骞村悗鍐閫淇濓紝閭ｄ箞鍙互...
