Should You Cancel a Policy
Added 2026-10
Should You Cancel a Policy — Chinese original prompt
手上有一份 [险种] 保单，[年缴金额]，已交 [年数]，还需交 [年数]，现金价值约 [金额]。目前家庭保障情况是 [已有保障]。请列出三个选项（继续交、减保、退保）各自的得失，包括现金损失、保障缺口和替代方案成本，最后给出需要向保险公司确认的问题清单。仅作参考，需专业人士复核。
Site original
Chinese original
Example
Sample input
手上一份重疾险年缴九千，已交三年，还要交十七年，现金价值约两万，家里有医保和意外。
The output should include
- 三个选项各列现金损失与缺口
- 给出替代方案成本与确认问题清单
- 仅作参考，退保决策需专业复核
Replace these placeholders 5
Swap the bracketed parts for your own details before sending.
[险种][年缴金额][年数][金额][已有保障]
How to use
退保前先确认新保障能不能买上，别先裸奔再投保。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.