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Data:2009-12-12 2:34
Some insurance salesman willing to sell to friends and relatives around the insurance. Many people are also due to sensibilities acquaintance bought a "compassionate policy", but afterwards a lot of people will find themselves buying their own insurance policies with little imagination, like a series of problems would arise.
Mr. Kwan is a common state-owned enterprise employees a monthly income of 2,000 yuan. Second half of 2000, the former unit of the resignation of my colleagues to vote with Ms. Wang returned units to sell insurance, claiming that the insurance market to invest in an annual profit margin can reach 30% of at least 10%, there will be no loss. Also come up with "returns a list of" as well as the related article published in a newspaper to read, Mr. Kwan promised will surely be profitable, and the rate of return could reach 10% -30%.
Old colleagues out of the trust, the unit where many of my colleagues bought, Mr Kwan also bought five copies. In May 2001, Ms. Wang said that you can make additional investment, which is the company offers to customers, but also a limited amount of investment, missed time, there will be no concessions, and Kwan quickly plunged into a 10 thousand yuan. However, this 1 million invoices are far from disappeared. One week, two weeks ... ... Kwan can not help but suspicious minds, can which what's the problem? Then went to insurance companies to understand the situation. In the insurance company, Mr Kwan received a "Notice to Customers book", began to realize that the market is now in the insurance and insurance and other insurance dividends are very different, they are to bear the investment risk. At the same time, he also from the "sue customers book" we know that insurance companies not only did not take risks, but also in operation in accordance with the customer to pay a percentage of the amount of money, but also charge 0.5% -2% of the management fee. There was still angry that his side was informed that at this time, his former colleague Ms. Wang has not achieved in introducing business engaged in the business qualifications, and his contract is hanging in the name of another insurance agent .
"If you knew would also like to pay management fees, I will not buy the insurance!" A feeling of deception suddenly swarmed by Kwan mind. He immediately to the insurance company to reflect this situation and hope that the insurance company to return the money. However, the company denied the fraud, Ms. Wang also denied that initially had promised 10% -30% of the profits.
Like you like her husband, a good many people because of an acquaintance of the sensibilities, or too much listening to a description of the insurance benefits, but did not seriously read the insurance contract, a number of important insurance liability and exemption clauses never know. In fact, many insurance salesman is from an acquaintance to "strike", but a considerable number of people are put off because of human good that I bought an insurance policy. In fact, insurance is a special commodity, only according to their need to purchase can not be out sensibilities do not need to buy their own insurance, or to take care of sensibilities and only buy a token, but she is far can not meet the real post-Chuxian the need to become a de facto "tasteless" insurance.
Expert advice is that no matter by what people are buying insurance, they have to re-read the insurance policy contract Jiao Qian. Meanwhile, in order to avoid the interpretation of the provisions of the agent is not clear, consumers can directly call the insurance companies customer service hotline for consultation, in particular, to make sense of insurance liability, escape clauses and other key provisions. If it is possible to purchase insurance, it is best to find a professional financial advisor and carefully study and analyze the financial characteristics of their families, choose reputable insurance companies, and then select the appropriate amount of insurance and insurance.
