129773822149531250_179In recent days, frequently encountered when purchasing insurance for the elderly aged 60 or above sale of misleading news exposure. Insurance in Guangdong Province at the weekend on a visit organized by the Council, bank insurance sales misleading complaint hot this year, complaints from the crowd to the elderly over the age of 60. Bureau of Guangdong Wong Hung said, will take a number of measures to protect the interests of insurance for the elderly,Yu period from 10 days to 30 days, and must be accompanied by adult children who sign up form. Typical case Mr Zhao, aged 72, in February of this year when a bank passbook
tera power leveling, meets a man claiming to be a Bank Manager Assistant, recommended him to buy a financial product, Xinhua double happiness. According to Mr Zhao memories
tera gold, this product was introduced into banks and insurance companies with a totalWith the development of the products, even if the old man to 74 years of age can purchase, expires 5 years, interest rates for at least a year of 6.6%, more than bank interest rate, coupled with the company's dividend, easily can earn $ 100,000 a year. Under the last continue to persuade, just remove the $ 310,000 for Mr Zhao "coffins", bought an insurance product. In this regard, in front of Xinhua life insuranceIn response, in accordance with the product design, insured up to 74 years of age, but the bonus is based on company performance, last receipts also pending for the time being. Zhizhao 1, preferably accompanied by adult children of complaints in recent years the insurance industry focus in the elderly population, the main reason is common in the elderly and cultural level is not high, and some even illiterate, has a high risk of modern financeA lack of awareness.����Therefore, older people buy insurance products, preferably accompanied by adult children. 2, visit system use the so-called visit system, is to buy insurance for the elderly, insurance companies hesitate before the end of the period in accordance with provisions to a return visit
tera gold, and prevent sales link problems. Review of current system although a mere formality, but after all, is to protect the customer's lastRoad barriers, if you feel uncomfortable after purchase, to surrender. 3, surrender deal in the short term in General, types of life insurance insurance products have a longer period, insurance companies often need to deposit a certain amount of reserves. Two years ago whether to terminate the contract for any reason, cannot be paid back when the full amount of insurance. So, no matter whatSales commitment can get the full cost back gold in the short term, is hoodwinked people moves.����Case study 1, passbook changing policy is what's going on? Mr Zhao until the requested surrender, is not very clear what they purchased a product, he felt that at least the banks are responsible for this product. In fact, many elderly people have "passbook changing policies" experience. Call depositPhotorefractive policy, is that many elderly people think that buying of banking product, was actually bought insurance products. The trust supported by Bank staff on the banks of the elderly, elderly induced by high rates of interest than banks to buy products. However, many graduates are not high, until taken until now found in the middle is the insurance product. If you want to get ahead, not onlyLess than higher income, but suffered huge losses.����2, what age do not insure?����Old age is restricted to purchase insurance? Yangcheng evening news reporter learned from the Insurance Bureau of Guangdong, China insurance regulatory Commission and China insurance industry association has no limits on insurance for the elderly age. However, some insurance companies in terms of a restricted, local financial regulators are restricted. IfAnhui banking does not allow banks to sell insurance to persons over the age of 65.����Some insurance on insurance of the protective provisions for the elderly, such as enhanced underwriting reviews, to extend the insurance period of hesitation.����3, returns how many insurance products? Mr Zhao is buying this product, is looking at sales of "dividend income of at least $ 100,000 a year." So, reallyThere are so many benefits do? So-called profit-sharing risks, that is, after the close of each fiscal year, the insurance company will immediately preceding accounting year such dividends distributable surplus insurance, according to a certain ratio, dividend in cash or value added bonus, customers are assigned a form of insurance, but the benefit to the impact of corporate earnings. General insurance companies will estimate a maximum income and therefore the mostLow income. Like Mr Zhao causes disputes and insurance companies, most of the time is that sales staff inform the highest income only, and not its risk.
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