Forgery Of Regulatory Documents And Advocacy Of Insurance Prices

"Aunt, this product can earn more than 10% a year. The original insurance product has an annual income of less than 5%."

For consumers who have some savings to buy insurance, some salesmen turn to P2P or other financial products.

The salesperson who should sell the insurance products, privately "fly the single" to the third party financial company's business, and even evolve into illegal fund-raising, is particularly easy to see at the beginning of the year, and consumers must be vigilant.

In fact, according to the relevant regulations and the circular issued by the CIRC on the strict regulation of the sale of non insurance financial products (short notice), insurance companies and insurance professional intermediaries shall not sell non guaranteed financial products approved by the relevant financial regulatory authorities.

Insurance companies and insurance professionals are required by laws, administrative regulations and relevant regulations for the sale of non insurance financial products.

The corresponding qualification requirements should be met before sales.

An insurance company or an insurance professional intermediary selling non insurance financial products shall give sufficient information disclosure and risk warning to customers, and shall not sell non insurance financial products in the way of tying products against customers' wishes, and may not sell non insurance financial products to customers in excess of their demand and risk bearing capacity.

According to the CIRC, in recent years, some insurance companies, insurance professional intermediaries and insurance sales agents have directly introduced non insurance financial products including third party financial products to customers, or indirectly engaged in related sales activities by introducing customers, etc., while satisfying customers' multi-level financial needs, they also exposed problems such as irregular sales behavior, cross pmission of financial risks, and some even constituted financial fraud and illegal fund-raising.

According to the notice, the insurance sales (brokerage) employees who sell the non insurance products on the name of the authority or the agencies under the guise of loans are called "flying orders". The insurance companies and insurance professional intermediaries should stop them in time and investigate the responsibilities of relevant personnel according to law.

Well,

How to distinguish whether the insurance product purchased is formal, prevent the salesperson from misleading the "fly alone" and buy an uninsured list? First of all, we should straighten our mind and maintain a good state of mind, not to be tempted by "falling pie in the sky".

When buying insurance, you can remember the following four tips.

You can't succeed, so that you can spend money to really get insurance.

First, verify the identity of the salesperson before buying.

Before buying insurance, ask the salesperson's name, salesman number and the full name of the insurance company. If necessary, you should log on to the CIRC website to inquire about the legality of the insurance institution, and call the insurance company customer service hotline to verify the authenticity of the salesperson's identity.

The second recruit: when buying, recognize the true and false products.

When buying insurance, it is necessary to check the official website of the CIRC or the insurance company, or verify the authenticity of the insurance products by calling the insurance company customer service hotline, and so on, do not believe in high interest insurance.

In addition, insurance clauses and insurance tips should be carefully read to understand insurance products correctly.

The third move: when payment is made, choose pfer payment.

When choosing the premium payment method, policyholders must remember to pfer accounts to the insurance company through the bank.

If a salesperson requests direct payment of cash or remittance premiums to a specific account of a person or other non insurance company, he needs to be vigilant.

The fourth recruit: after the payment, confirm the authenticity of the policy.

After the first payment, the salesperson should be asked to provide the formal insurance policy in time.

If there is an insurance company's stamp and printed on the real policy, there should be no manual alteration and handwriting. If there is any doubt, you can call the customer service staff of the insurance company to verify the authenticity of the policy.