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怎样规避退保损失?

2017-08-31 05:45:40   中国青年网

原则上,在选购保险后尽量不要退保,以保证自己的保障需求以及保单现金价值。但是,如果是因为确实无力继续负担保费或者急需现金,可以采取以下的办法规避或者减少退保损失。

利用保单“犹豫期”

很多保险产品都会给消费者一定期限的犹豫期,通常为15天左右,在这个犹豫期内退保,消费者可以不用承受任何经济损失。消费者不妨有效利用这段犹豫期,确定自己手中的保单,是否真的是自己长期打算购买的保障产品。

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