This reporter has learned that Bank of channels security products launched in the near future pay period, the network has been part of the %26quot;edge ball%26quot; misleading sales deliberately vague period to pay insurance to receive a dividend of the way so that the insured to pay that end will be able to receive dividend payments.
The so-called payment period means that payment, in accordance with the agreement of the insurance contract or pay a quarter to pay for many years, and so on the way to pay, pay period of years from three to five years to pay for life, whereas there to receive the spot and receive an extension To receive an annual fixed to receive, year after year by the amount of lead on the other. Reporters learned that this emerging misleading sales, the main question is whether the sales staff in the sales process, the deliberately vague to hide a view to receive a dividend payment products the way.
According to informed sources, to 5-year period to pay the policy, for example, in accordance with the provisions of the insurance company, policy holders should generally be in the 5-year payment period to complete payment, and then in 20 years, or at least after 55 years of age To receive the dividend. However, in practice, some of the bank's network sales staff did not receive this important way to explain the terms, leading to policy holders can not make accurate judgments and decisions insurance was never mistaken to pay 5 years can receive immediate Prize money, do not understand the 20-year waiting period.
In fact, the China Insurance Regulatory Commission request compressed pay scale wholesale, business vigorously develop the payment period, regardless of regulatory or insurance companies do not want to see the period of payment products misleading sales. Nevertheless, as this is more of the above hidden misleading marketing phenomenon has appeared in a number of bank branches.
Paul Silver, a senior practitioner who told reporters that there are a number of policy holders found that the %26quot;edge ball%26quot; of misleading marketing. Such acts of misleading sales will make investors view misunderstanding pay the value of investment products, to the insurance industry is undergoing restructuring and future development of the health of the obstacles.
%26quot;At the moment, just some insurance companies doing business in Shanghai in a single month period to pay premiums amounted to 70,000,000 yuan of business volume, which in the current market conditions are far from normal.%26quot; Market participants said. And some Chinese-funded insurance companies in Chongqing and other places in a single month period to pay premium can be reached 100,000,000 -2 billion, and during the existence of the risk of misleading marketing, regulatory authorities should be concerned about.
Analysts point out that, after emerging problem of misleading insurance sales concentrated in the one-sided exaggerated type of investment product level of investment income, do not accurately inform the responsibility of insurance, surrender charges, cash value and deducted the cost of such key elements as well as the confusion of insurance products and savings concept And so on, and the recent period to pay for the products of misleading marketing, there is no specific measures to prescribe the right remedies. %26quot;Developing a view to help pay insurance reshaping the structure of insurance business, but also conducive to the insured financial structure improvement in the insurance vigorously promote the development of products that pay period, the corresponding increase of sales is particularly important to monitor.%26quot; The people that do.
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