If you listen to easy street of false insurance salesman bought a high-yield products, once after a period of hesitation, insurance companies will be deducted from the initial cost
In addition to the Banks and Insurance Companies under the banner of "financial management" banner to sell insurance products, whether or not there are other channels for marketing trap? Post-generation, telephone sales of TV, mobile phone sales, online insurance supermarket ... ... In the face of all kinds of insurance sales, consumer how to "keep their eyes open" and make the right choice? Weekly financial reporters with these issues, visit the sales channel for insurance sales at the scene to investigate.
Share the street to sell insurance:
Publicity and more information being tampered with, false receipts
Weekly financial reporters in a Beijing subway station, a Mr. Wang of the swing-up to sell insurance, "stalls", many people stopped consulting. He is the main push Xinhua, "the well-being year after year" dividend insurance, advertising material is a simple case of insurance presentation: 15-year-old girl, for example, to pay 15,000 yuan in 60-year-old two years ago to receive a sum of money. Reporters asked about the collar to how the money is, he said: "the equivalent of interest, in addition to dividends, as of this year, other companies are too close to call dividends, but we are still at many companies."
Weekly financial reporters, pointing to demonstrate the form of dividends in the amount of Mr. Wang asked: "to ensure that got so much money?" He gave a positive answer. He then prints out a "security plan" told reporters: "This is a contract, signed on to ensure that the proceeds received, but quickly stopped selling the product."
Weekly financial reporter Mr. Wang's business through the numbers and Xinhua Life Insurance, the complaint calls that he was in August this year, Xinhua Life Insurance, to join, has not made an insurance agent qualification certificates. However, reporters noted that Wang's business cards printed out, "the People's Republic of China Insurance Regulatory Commission certified life insurance agent, senior account manager, senior management consultant." Reporters also contacted Mr. Wang's superior Miss Chen, she said, "because my business to run, however, let out a new exercise, to promote their products and collecting customer information through the mail and I will phone to communicate with customers."
Weekly financial reporter on this phenomenon, interviewed at a large insurance company General Manager Mr. Chen. He said in an interview with reporters to get the publicity agent of the private information should be printed pamphlets and leaflets. "A lot of sales on their own printing pamphlets, not only simple, often based on sales at the need to prepare even tampered with the contents of the above." Mr. Chen also cautioned that "these materials do not have any legal effect, if customers believe this Promotional easily deceived. "
Mr. Chen further pointed out that "there are some agents inflated rate of return. For example, risk sharing, general information on the publicity provided by the individual interests of the demo account value is based on the provisions of the China Insurance Regulatory Commission, in accordance with the low, middle and three high-clearing Given the interest rate, low interest rates on behalf of the settlement to ensure that gains in high-end billing rates are also provided. However, some sales personnel to enhance security silver products attractive, the only high interest rates under the settlement of the interests of the demonstration, or own a settlement Interest rates. "
Weekly financial reporter would like to remind consumers that if easily listen to the streets of false insurance salesman bought a high-yield products, once after a period of hesitation, insurance companies will be deducted from the initial cost. In response, Chen said, "at the time of purchase insurance products, there are initial costs, in particular, universal insurance, and its settlement rates are based on the initial cost was deducted from the calculation. Therefore, customers gain is by no means to pay the premiums and Settlement of interest rate product. "
Telephone sales: only the "recording" draw away the premium, hard evidence disputes
Mr. Zhao's Beijing correspondent of complaints to the financial weekly, in October this year, claiming to be from a bank credit card call center staff, to sell insurance.
"He asked me whether or not willing to insure, and said if I agreed to say, to tell him my credit card account, he will be able to dialogue based on our record from my account to draw on the premium, and I immediately confirm whether the process." Zhao , Said, "I would like to look at the details of the contract, the sales staff said that only 'confirmation' can mail the entry into force of the policy I sign."
Mr. Zhao question: "I do not have the autograph and password, the bank can be based only on what recording from my account on the designated money go? Bank to prove how is the voice of my own?"
Weekly financial reporter found that investment CIGNA Life Insurance Company introduced the first phones in the domestic market, followed by a number of large-scale foreign-funded insurance companies have to follow up. According to a company call center marketing staff, "If customers feel that after the policy before it is not suitable, in the 10-20 day period of hesitation surrender, you can take back all the premiums. If we did not receive the period of hesitation over the policy receipt, All premiums will be returned to the customer's account. If the surrender of more than a further period of hesitation, it is necessary to charge a price for them. "
A senior industry source said, the existence of insurance sales call asymmetric information. Ordinary consumers is not easy to understand insurance contracts, many of the terms through an agent in order to understand the explanation, especially in terms of responsibility, as well as insurance claims provisions, telephone sales may not be able to fully explain. "General, telephone sales of insurance is simple, easy to understand the short-term accident insurance, but as a consumer, the end of the phone, it is difficult to understand the product and immediately all the information to judge."
These are also reminded that insurance telephone sales in the preservation of evidence there are certain problems. "Only when the entry into force of the contract remain in a sound recording, where the insurance companies. From the entry into force of the contract to the client before it signed the policy and confirmed that during this period if the Chuxian, the insured party in addition to designated accounts shall not have any records other than the purchase of the insurance certificate. Insurance Recording companies, but few have their own policy holders to stay a sound recording as evidence, in the event of disputes, the rights of the insured is likely to be violated. "
By the end of May this year, the China Insurance Regulatory Commission issued the "Regulations on the promotion of life insurance companies telemarketing business to inform the development of norms" in order to regulate life insurance telemarketing. However, according to weekly financial reporters learned that have not been significantly improved, with only a small number of insurance sales has changed the way: the insurance companies received a telephone customer sales call in basic recognized intention of the insured, with sales personnel to meet the agreed time , To negotiate properly on the spot after the signing of the insurance alone.
Credit card comes with insurance:
Understand the need for renewal premium pay
Reporters in the financial weekly survey also found that the promotion of bank credit cards, sometimes through free insurance to attract customers, usually the personal accident insurance, aviation accident insurance and travel insurance, such as traffic accidents. Bank gift Casualty, on the one hand, because the cheaper prices of these products will help the bank control of credit card marketing costs; On the other hand, Casualty insurance is simple, easy to define the claims, policyholders are no special requirements of the insurance companies to operate together to facilitate more .
Many reporters found that the insurance companies with sales of the product, with a gift card for insurance protection in the period, the scope of protection and security are on a fixed amount, cardholders can only accept a passive, and not to choose. In addition, many credit card donated by insurance payments and insurance companies do not like, such as the need to use their credit cards to pay by credit card. Therefore, the financial weekly to remind reporters that all cardholders must be presented to clarify the details of insurance products, claims to avoid disputes.
In addition, the credit card after the expiration of insurance, such as the cardholder need to pay renewal premiums. Prior to this, there have been presented by the credit card expiration of insurance, insurance companies, staff phone card renewal, due to incomplete communication, leading to dissatisfaction with the cardholder Koufei after the surrender. Therefore, consumers apply for credit cards, came to accept the insurance, must understand that the renewal is due for free. Received a telephone renewal expires, to make a choice based on their needs.
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