Deposit Change Policy &Nbsp; "Financial Management" Lose Money.

In recent years, Deposit insurance The misrepresentation of life insurance sales represented by "certificate of deposit policy" has gradually become an insurance consumer's complaint against the hardest hit areas, damaging the interests of consumers and seriously affecting the integrity image of the insurance industry. Since the beginning of this year, regulatory authorities around the country have placed a prominent position in dealing with misleading sales of insurance, safeguarding consumer interests and standardizing market order.

　 Consumer

The result of buying financial products is insurance.

Ms. Wang, a 52 year old citizen of Harbin, bought 10 thousand yuan worth of "financial products" 3 years ago. When she used money, she found that it was an insurance policy. Instead of enjoying the promise of "high interest rate" and "dividends", she lost six hundred or seven hundred yuan.

Ms. Wang recalls that in 2009, she took the newly saved 10 thousand yuan cash to the industrial and Commercial Bank of China (601398, stock bar). In an equal queue, a staff in a bank uniform introduced a new financial product to her. Interest was higher than savings and dividends. Knowing that Ms. Wang intends to save for 3 years, the staff member said, "I will help you to make a longer term. The longer the storage time is, the better it will be."

"He didn't say it clearly. I didn't understand it either." Ms. Wang said, procedures All of them are processed at the bank counter. After signing the words, looking back carefully, they found that they actually bought a policy called "Ping Jin gold life insurance (omnipotent)", and the specific rights and interests were not clear. At the beginning of this year, Ms. Wang went to collect the present, but was told that the insurance had not yet expired. She could only voluntarily apply for an early surrender. The 3 year income was only about 300 yuan, and it lost six hundred or seven hundred yuan according to the interest rate calculated at that time.

　　 Misleading sales

Main issues of life insurance sales

Liu Feng, director of the Heilongjiang Insurance Regulatory Bureau, said that with the increasing competition in the insurance market, misleading sales has become a major problem in current life insurance sales, which not only damages the legitimate rights and interests of consumers, but also restricts the sustained and healthy development of the insurance industry.

One of the most prominent forms of misleading behavior of insurance sales is: first, to exaggerate the earnings of investment products such as dividends, investment, and omnipotence, and to make promises at the time of payment. The two is to change the "deposit slip" into "insurance policy" when people are not in the know. When the people are in urgent need of money, they must deduct a certain fee; three, it is important to conceal the uncertainty of dividend products, investment risk, surrender loss, hesitation right, expense deduction and other important matters. Four, we should invest in some investment products that are not high in income and have no corresponding risk bearing capacity, or sell long-term bank insurance products to ordinary people who do not have continuous purchasing power. Guo Dongqing, director of the life insurance Department of Heilongjiang Insurance Regulatory Bureau,

　　 Expert advice

Consumers should insist on rational consumption.

Liu Feng introduced. Heilongjiang Insurance Regulatory Bureau We have misled the sale of life insurance as the top priority of this year's supervision work, and issued the "opinions on strengthening the misleading work of managing life insurance sales". "To mislead the problem of verification, we will adhere to the joint efforts of institutions and personnel and intensify the crackdown."

Guo Dongqing suggested that consumers should stick to rational consumption and fully understand whether the product meets their own needs before buying insurance. First of all, when buying, read the insurance clauses, product brochures and Insurance Tips carefully, and fully understand the insurance products. Second, 10 days after receiving the insurance contract, the consumer is only hesitant for the period of hesitation, which only costs about 10 yuan. Third, the "Regulations on the disclosure of information on new products of life insurance" stipulates that insurance companies should pay a return visit to customers during the period of hesitation, mainly using telephone return visits. Consumers should make full use of the opportunity to return to visit, understand the insurance products purchased, and determine whether they meet their own needs.

The Insurance Association of Heilongjiang suggests that consumers may complain to insurance companies, regulatory authorities or trade associations if they are seriously misled.