Category: Insurance tips Release Date: 2006-08-01
In this case, because of the insurance agent deliberately concealed the real situation of the insured person (drug use) also did not accurately reflected in the policy, it can be said to have been planted, "did not truthfully tell" a hidden danger dispute
Fortunately, the incident verification process goes smoothly, the insured in full surrender requests received in a timely manner
Playback⾿【Case
December 14, 1999, customers of a son, Wang Mou room for drug trafficking and drug abuse was sentenced to imprisonment for three years and six months. July 14, 2000, Mr. Wu, a Shanghai insurance salesman selling insurance to a certain room, a room will be in conversation son was sentenced informed of the Wu, Wu then said, "You son of such a situation should buy insurance, "and spared no effort to tell them about a number of investment-oriented insurance. After the discussion, the Housing of a decision to purchase insurance for her son, when the son is in prison serving a sentence, so the policy by the Authority on behalf of a signature.
By April 2003, in a fortuitous opportunity, the room showed her daughter a certain look to the policy. After her daughter was surprised to carefully read the policy, said the contract stated drug addicts can not be insured. A room was then made to the insurance company as soon as possible apply for a full surrender request.
It was established that reflected the situation room of a true, insurance companies buy insurance policies quickly made her a full surrender deal.
【Comments⾿Case
Insurance is a science, the insurance contract is a legal text. Insurance companies can not assume all responsibilities, therefore the responsibility of any insurance contract exclusion clause.
Exclusion of liability is one of the important provisions of insurance contracts. Customers to purchase insurance, we must pay attention to see the specific contents of exclusion of liability, or an insurance policy can not be expected to protect, it is inevitable disappointment.
In general, the life insurance contract regarded drug abuse, robbery, illegal and criminal acts such as deliberate as the scope of exclusion of liability. Wu case of insurance agents may be ignorant, but it is more likely to deliberately mislead customers.
In any event, the case is another explanation of insurance agent training, education and management remains to be further strengthened.
