Are you insured?
recently, members of the public, Mr. Jing, are preparing to invest their own financial risk for 3 years. When checking the accounts, it is found that the balance is quite different from the money that I expected, and the proceeds are not as good as the deposits.
Mr. Jing said that in October 1, 2007, an insurance company salesman Lu Mou recommended to him a financial life insurance (universal insurance). He covered 50 thousand yuan in the name of his lover. "When Lu started selling this insurance to me, he assured me that his interest rate was higher than that of the bank. After signing the contract for a few months, I found out that there was one more clause in the contract terms, which said that the initial fee should be deducted from 9%. However, Lu assured me that he would not charge the initial fee if he had insured for more than three years.
recently, Mr. Jing checked his account. According to Lu's promise of income, he should make a profit of more than 7000 yuan, but deducted the initial fee of 9% (4500 yuan) and only 2590 yuan to get his hand. "I found the insurance company, they promised to supply me 400 yuan, equal to 50 thousand yuan for three years of insurance, only to get 3000 yuan income, less interest than bank deposit." It is understood that if Mr. Jing directly deposited 50 thousand yuan into 3 years' time deposits, the interest rate could now be more than 7800 yuan.
at present, Mr. Jing has not been able to contact the salesman, Lu Mou, who gave him insurance.
to the salesman Lu's commitment to Mr. Jing, the insurance company's customer service staff said: "the salesman can't make a promise beyond the policy of the customer." The customer should carefully read the content of the contract and then sign it. Mr. Jing's situation has already been reported to the general company, and the monitoring video of the time is submitted to the bank through the banking department. If it is proved true, we will send the information of Lu to the insurance industry association and add it to the blacklist. We hope to give Mr. Jing a satisfactory answer as soon as possible. "
deposit insurance policy in advance to get in trouble
Bank aspects of the final agreement to settle
to a bank of Baotu Spring near a bank deposit of 30 thousand yuan, under the advice of the bank employees, part of the deposit bought silver insurance products. Now Miss Lin is in urgent need of money, only to know that the early withdrawal will have to pay about 4000 yuan of liquidated damages.
at about 5 p.m. last November 19th, Ms. Lin came to a bank near Baotu Spring, trying to deposit 30 thousand yuan deposits in another bank.
Ms. Lin said, when she waited in line for consultation, a financial manager surnamed Lin asked her which business to do, and recommended her to take part in a financial project, saying the business had a high rate of return. Subsequently, the bank staff took the initiative to accompany her to another bank deposit, before rush off to complete the business.
"at that time forest manager did not show that the deposit actually bought the silver insurance products. I got 30 thousand yuan of deposit receipt on the spot, and who knew that 20 thousand yuan of deposit had already been bought as a silver insurance product." Ms. Lin said that three or four days later, when she got the insurance policy, she learned the truth. In the 10 day "hesitation" (can be relieved of the insurance contract application, only deducted the cost of work), she many times to the bank to find forest manager refunds, but the other side has been not in the unit, the refunds are also shelved.
in the afternoon of November 15th, the reporter came to the bank with Ms. Lin. A responsible person surnamed Cui said that when buying silver insurance products, Ms. Lin signed the contract on the spot, and the call returned by the customer service staff also explained the use of the deposit, and Ms. Lin did not apply for a refund during the hesitation period. There is no problem in the working process of the bank.
Ms. Lin said that at that time, the bank was almost off duty, and she did not look at the contract carefully. She thought that when Lin manager sold the bancassurance product, she did not explain the deposit purpose, which led to "deposit became a policy". In the end, the two sides agreed to settle the matter through consultation.
the insurer is not stationed at the point of selling
the point and the cruising point is "invented and created" to
in November 1st. The CBRC issued "notice on Further Strengthening the compliance sales and risk management of commercial agency insurance business", and stopped the insurance personnel at the bank sales. Reporters interviewed yesterday found that some banks in Ji'nan still have insurance agents stationed. Some insurance companies also made innovations and patrol points.
bank personnel and insurers rotate
yesterday, the reporter came to a bank near Shandong experimental middle school in the name of buying financial products. The staff first asked reporters about the amount of investment and monthly income, and recommended the reporters to buy financial products such as RMB, fund and bank guarantee.
hearing reporters asking about the silver insurance products, an insurer who has always listened to the conversation of the reporters came and began to recommend their company's silver insurance products. "Isn't it not allowed to sell the insurance agents to the banks now?" the reporter asked. "We are phasing out, and we are not yet completely evacuated." The insurer said.
the reporter went to a bank crossing the seven Wei Yi intersection. Staff said they no longer sell bancassurance products. When she learned that reporters wanted to buy bancassurance products, she immediately contacted the insurance company's insurers, and left a telephone number for the reporters.
it is difficult for the bank staff to ensure that
Mr. Sun, a financial manager of a state-owned bank in Ji'nan, said that after the announcement, most of the state-owned banks in Ji'nan began to clean up the insurers at the standing point, while some small banks were still in the wait-and-see state. According to the relevant person of the CBRC, before December 31st, all the insurers must withdraw from the bank. However, because of the high profit of the silver insurance products, some banks began to train their own sales team, and they asked bank managers to take the insurance certificate and sell the silver insurance products. "Banks have a variety of financial products such as funds, RMB and silver insurance products. Bank personnel will recommend one of them in combination with the actual situation of customers, to a great extent, to avoid flickering components." Mr. Sun said, however, it would be inaccurate to say that all banking personnel are completely objective when they sell bancassurance products.
the insurance company will change the standing point to the point of walk or patrol point
China Insurance Regulatory Commission statistics show that in the first half of this year, the insurance facultative agency realized the premium income of 325 billion 262 million yuan, accounting for 40.67% of the total premium income. Among them, the bank channel premium income is 213 billion 914 million yuan, accounting for 65.77% of the whole insurance agency agency, and the bank is 47.25% of the whole insurance agency through the insurance sales.
obviously, insurance companies and banks are reluctant to give up the "fat meat" of bancassurance products.
Mr. Sun said that some insurance companies began to scratch the ball and change the "stagnation point" to "go" or "patrol point". At the same time, insurance companies may also provide training to bank staff for sales of bancassurance products.
Ms. Hu, another financial manager, said that the insurance company sells silver insurance products, and the customer will first sign the contract and then call back for the insurance products. Moreover, the customer has 10 days of "hesitation". These procedures can basically prevent customers from buying bancassurance products without knowing it. If the customer finds that the bank violating the sale of bancassurance products, he can complain to the banking supervision department.