Category: Insurance tips Release Date: 2006-08-01
Surrender within 10 days if the regret may be back in full the principal amount of
Xiao Wang's friends in the beginning wanted to deposit money in banks 10,000 yuan to the bank counter, sales staff recommend that the sense of "dividend savings" rate is higher than the average savings of several percentage points. A return so high, Amy Heart, and 10,000 yuan of money instead to buy such a dividend savings.
Xiao Wang and other documents can be a bit surprised to get î”?quot;think they bought a bank's products, but found to be an insurance company dividend insurance policies." Muddle have become the insurance company clients, Amy is inevitable that some are not having peace of mind . Banks may take into account the "store", store nature does not deceive customers, but also thought that the Bank's business personnel have access to good benefits, Xiao Wang also not much on this subject. Commitment by business persons "interest", Amy calculations heart beat again and again, "end of the year when the dividend received will not be less certain."
End of the year, the insurance company sent notice of the dividend, open a perplexing look at Xiao Wang, insurance companies simply do not achieve their promise, the expected yield spreads several times. Amy thought of being misled surrender, quickly showed the policy account manager. Surrender is an added loss loss. Amy bought 10,000 yuan insurance if the surrender terms of the contract in accordance with the insurance premium of 1,000 yuan, year-end cash value of only 921 yuan, that is, for every 1,000 yuan, if the surrender would have lost 79 per. Insurance 10,000 yuan terms, the loss of 790. Amy looked at this account only the sigh of the.
Such as Wang came to the bank insurance sales staff to mislead customers in a lot of people. Statistics show that in 2003, Guangzhou insurance regulatory total of 2456 letters received. From the contents of the complaints of view, more than 80% concentrated in the insurance contract disputes, and insurance companies to mislead the quality of service issues. With regard to investment and other investment-type products are more prominent complaints of misleading propaganda. Embodied in the bank staff at the confused concept in the process of selling insurance products insurance and savings will be compared to blindly apply the bank "principal", "interest", "deposit" concept. People that buy high-return banking products. To collect insurance money when the actual situation and the expectations are very different.
For this situation, industry experts remind consumers that buy the banks, insurance, be sure to see the terms, if we find the problem within 10 days after purchase back in full surrender to the principal.
