Editor's note even dangerous for the large-scale surrender, many years ago in China Ping (601,318 stock right) who took the lead, but not from misleading sales disappeared, life and death through reincarnation, the more life insurance at the moment is that this taste A bitter fruit.
When people's attention is also focused on the financial crisis caught up in the foreign insurance giant's body, parts of the domestic life insurance companies are also experiencing an "earthquake" for a few years ago even dangerous storm is now surrender again. Life of life, Hai Kang Life has become the face of a "surrender door", "peace." People can not help wonder, how to vote even whether the risk?
In fact, not even for insurance, universal insurance is the surrender of the events leading role, but what set off the fuse of the incident.
Business risk:赔本赚吆喝
"Even for insurance and risk everything belongs to risk a long, usually with the character of investment products. Now the stock market, insurance companies, the investment income is not high, so investors would rather lose some money to their cash after the bank, Therefore, the policyholder can surrender to understand. "Believe that a united life.
Insurance people Tianjin, a branch believes that the fuse of the main cast or even significantly reduced risk of the accounts, consumers could not accept the reality of shrinking assets.
Show that even in the third quarter for stock-based insurance account to reach an average of 14.97 percent decline, the smallest decline for 9.24 percent, the biggest decline reached 25.30 percent. Over the same period, the SSE Composite Index decrease of 16.17 percent, 19.33 percent decline in Shenzhengchengzhi, Shanghai and Shenzhen 300 is 19.63 percent.
Capital markets staged high-profile diving is dangerous for even the surrender of customer motivation, but no one would blame vague and market them. The man-made misleading sales is a potential fuse. Beijing at a large bank that is relevant, if the insurance company sales objective, fair and just manner to promote products, as the capital market so that the poor investment returns decline, customers appear surrender is normal and understandable. However, large-scale surrender, the insurance company is certainly a problem area.
The influx of surrender, insurance is a misleading sales incentives, but there are also other factors. Bank of the above-mentioned persons, insurance agents in marketing without a thorough, clearly prompted the risk on the one hand, is. On the other hand, although customers have full insurance risk suggest that there are mechanisms and return customers to confirm transactions, but the customer's own understanding of the product is not comprehensive enough, customers will also be wrong to buy a misunderstanding, caused the risk of surrender.
The insurance companies misled customers ignorance of the market's slump appeared to be the surrender of this incident, but some of the insurance companies really赔本赚吆喝product is an indisputable fact.
Insured: eat a cutting wisdom
From the rose through the Xiamen Machinery %26amp; Electronics Exhibition away, and even voted for the risk insurance, universal insurance apathy, and the dividends become a dangerous new favorite of the industry.
Reporters learned that Xinhua Life Insurance, and is currently selling insurance dividends, even for insurance, universal Xianyao sale until next year. In addition, China Life Insurance (601,628, it shares) Shanghai Branch since October 1 has already started even voted to stop selling insurance, a universal insurance.
"Banks and Insurance Companies in the market for selling insurance is not even appropriate, China Life Bancassurance channel will focus on dividend-selling products." Shanghai Branch of China Life Insurance, deputy general manager Li has said.
However, a Beijing China Life Insurance salesman told reporters, we are the main selling insurance dividends, but even for insurance, universal insurance sales also.
The ICBC, Bank of China a number of bank branches, financial centers, even for insurance, universal insurance is still for sale, the bank is the Bank for selling insurance products more cautious and strict. "At present, the regulatory authorities for the Bank of security products is quite strict supervision." Bank of China (601,988, it shares) A staff member told reporters.
A policyholder is on the Internet complained that he regularly bought a 5-year investment-type insurance, but its rate of return than bank interest rates of 1 / 3, and the time to pull out of the insurance proceeds are at least 6%. "In the future, do not insure their products, the company rotten, rotten products." Appears to be the person to eat a cut, the wisdom.
Involved in the surrender of the storm is basically small and medium-sized enterprises insurance, life insurance and the Big Three are not involved. Perhaps the fear was in the cast even dangerous storm surrender, as well as changes in the capital market, the Big Three domestic life in this round of the vote even dangerous products on the sales performance was very cautious.
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