Regulators informed of the convening of an emergency meeting, called for the establishment of risk even for the reporting system and emergency plan to amend the Bank of security product sales process
National Day, the lives of Life branch in Tianjin to reproduce the year began in the Ping An Life Insurance, regulators do not want to see the "storm even vote," a large number of policyholders to the company for collective surrender.
Coincidentally, this time of the Shandong Hai Kang Life Insurance Company also has the experience, although slightly different reasons for surrender, but the scale has led regulators.
Cast even dangerous since birth, has undergone two rounds of a major bull and bear market. Although the supervision of insurance companies in the vote last year, even when hot, are to prevent a high degree of "surrender storm" of a repeat of that episode or can be staged.
Life is a life experience to mislead the main reason for surrender
Hai Kang Life and the lives of the two companies, took place in the surrender of the two places, but the reason is obviously misleading or vague shadows.
As of October 23, the lives of Life "life-chi won the world" for life-insurance even for selected stock-price only accounts sold 0.4891, more than half of the shrinkage. If the initial costs, surrender charges, investors are able to get back less than 30%. Jukui, loss of investor confidence, surrender may be the only way they think.
According to informed sources, the surrender of the root causes of the incident began early this year, due to the unexpected this year, the stock market crash, under the pressure of business, some of the sales clerk in the vote even when the risk to give customers the high end of income security commitments, and some even It also signed a written agreement, there are some misleading sales of consumer sales, which are the China Insurance Regulatory Commission voted on in even the sale of insurance regulation on strictly prohibited.
Life in Tianjin branch of the lives of staff told reporters that the incident surrender to face a very timely response to the company, set up a special group to deal with customers for matters relating to surrender.
Life lives headquarters staff on the phone told reporters: "I know through the media reports on this matter, account, the decline led to the surrender of some people, this is quite normal, but heard about the incident Tianjin is a major cause of the misleading sales over there, said to head in the near future there will be detailed on this announcement. "
Tianjin Insurance Association said that illegal sales of the insurance company for Lian, who was in charge of the relevant punishments. Life life of a Beijing branch in charge of marketing, said that the surrender of the details of the incident is not clear, but now a new policy on how many sales were affected. His department also recently done a risk even voted to strengthen the quality of sales training session, to "put an end to the so-called absolute misleading behavior."
Haikang whether the surrender of "misleading implicit"
Surrender to suffer the same problems of a more than life. Tai in Shandong Province in insurance this year in August to early October, local regulators had received complaints of 273 cases, of which only 233 there in September, customers require a full refund of the premium. At present, 96 have been closed, including 84 in full accordance with the surrender deal, part of the surrender 3, 9 appease accepted.
Reporters in-house insurance through a friend, get a marked "Insurance Association of Shandong" The documents show that the object is made to "finance the Office of Jinan City", entitled "Shandong Insurance Association of Business on the proper handling of requests Jinan Television reports inadvertently lead to even risk group for surrender of the letter incident. " The above figures are from the document.
From the most authoritative explanation, the reporter found that insurance companies "like a victim" because of a television station from Jinan reported that the report "in the bank to buy insurance, depositors are injured", reported to Ms. Wang Jinan ICBC Ying-Hsien Street police station accused the bank deposits will be allocated to their own Hai Kang Life Insurance Company.
A report triggered a wave of surrender Jinan area, Hai Kang Life most affected, reported four days after the surrender request of up to 163. In order to prevent conflicts plans, Haikang Shandong branch to take extraordinary measures to higher authorities in policy-holders age, poor health or at home suffering from major diseases was 16 for the customer formalities full surrender. Local industry, can not escape, Taikang reported 12 surrender Jinan area, the amount of 1,100,000; safe surrender 2, the amount of 30,000 yuan; Pacific Life a surrender, the amount of 110,000 yuan.
Insurance Association of the foregoing, Shandong's Jinan on the television news coverage of events in the analysis concluded: Sister Wang (reported one of the main character) on "without her consent, bank deposits have been allocated to the insurance companies" and "did not get Insurance policy "is inconsistent with the facts; As for the insurance salesman promised returns higher than bank deposits, can not be confirmed. Analysis of the bank to the noise cause, mainly because my insurance investment account deficit and has had to pay less than the premium.
From the above statements in the original text is not difficult to find this sentence: "As for the insurance salesman promised returns higher than bank deposits, can not be confirmed." That is related to life insurance salesman than the life of the more "intelligent", there is no security commitments entered into at the end of earnings A written agreement, there is no evidence left behind.
In fact, the problem appears to be complex, in fact, it is not difficult to explain. Perhaps the main character in the bank's sales force proposal, indeed in the insurance policy is signed. But in the end of the sales staff to explain the policy to the extent that earnings risk is to convey to clients, unknown to outsiders. Has repeatedly stressed that it's misleading, in the end how the definition of policy holders in the end how to keep the evidence, are legal or regulatory gaps. The only rely on "good faith".
Investment income fell psychological panic caused by the insured, but the surrender of a secondary reason, if the sales staff in the early sales, which prompted customers to do a good job of risk, I believe that after the panic mood will not surrender to the way back to Insurance companies.
Elimination of misleading a long way to go
As early as last year, in view of the insurance market for even the risk of rising momentum, many have expressed concern over the industry. China Insurance Regulatory Commission have been issued the "Interim Measures for the Administration linked insurance", "new type of product information management" and "strengthen the link investment in insurance sales management issues related to the notice," and so on, even voted to strengthen risk insurance products and marketing tips管理.
And for some part of the surrender of the region, some areas of regulatory bodies to convene an emergency meeting of the notification, request the relevant agencies and insurance companies immediately to vote separately to establish their own contingency plans and even the insurance reporting system, the revised Bank of security products Sales process, the adjustment of product sales target population, as well as to improve the work of the return visit.
China Insurance Regulatory Commission, also on October 17 specifically to vote on the issue of surrender even dangerous risks prompt release. Notice that are closely watching the vote has not even risk operation and will have been severely crack down on misleading sales. Linked insurance and investment features to protect both functions, flexible payment, usually with a number of investment accounts, including bond, equity and hybrid. Over the past year from the account of the performance, the account value of the bond-positive growth-stock accounts generally lower than the average decline Prev decline, mixed in between.
"At present, various insurance companies for insurance even surrender the overall situation is still normal. As for the individual regions, individual companies will experience some of the cast even the question of surrender risk for many reasons." Related to the China Insurance Regulatory Commission said that "in sales Did not even vote in the risk characteristics of the product, the proceeds of uncertainty aptitude consumers make it clear that the understanding of the China Insurance Regulatory Commission is investigating, will make a serious deal. "
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