What is the risk even vote? Insurance companies at the moment stand at the entrance of the surrender requirements of the people thought about it? Maybe not, or how blindly surrender, as the same as the original purchase blindly.
This year, when the capital markets continue to test a low, even for risk as fruitless trips to the soldiers, accounts net and then a low-low, the loss of policy holders to wake up as if had been deceived: is not to say that insurance than the stock to do a number of stability, How to buy insurance at a loss?
A five-year cycle when the risk even for surrender once again put on, let us come back with it under definitions. Investment risk is even cast connect insurance, in addition to functions with insurance, cash value insurance policies with insurance companies directly linked to the investment income of life insurance products. To put it simply, the insured to pay the premium, respectively, into account security and investment accounts, with the exception of part of the cost charged by insurance companies and guarantee the basic cost, and most of the rest of the funds to invest.
Customers to enjoy all investment income at the same time bear the investment risk. Never, income level and impact upon the size of the risk, even for risk investors have to bear the investment risk, and financial management of the most simple truth was thrown a cloud nine? Even dangerous incident voted surrender along with the ups and downs of capital markets and reincarnation, and investors do not know why?
Five years ago, even risk injury for the first time investors, surrender storm swept across the country. After five years of reincarnation can bring to the insurance industry, some investors are awakened? Western proverb says: "lost a nail bombs, the only bad iron, folded piece of the horses, the injury-Knight, lost the war, the death of the empire."
This year, even for risk once again lost the "nail", but also more than one, as there is the same as last engulfed the national trend. From September, the largest province of Shandong in the insurance regulatory authorities received a total of 233 complaint cases, customers request a full refund of the premium. National Day, the Tianjin branch of life Life policyholders suffered a large number of collective surrender. Surrender the incident spread, Beijing has been unable to sit still, Beijing Baojian Ju began a number of "focus on insurance companies," the implementation of full-time monitoring, real-time tracking of its insurance policy sales and surrender the case of complaints.
Five years later, history re-staged. The vote in 2008 even dangerous wave of surrender, whether or not people will easily forget the pain?
Chao surrender from
In September, Shandong Province, Bao Jianju Haikang insurance complaints were received 233 cases. Shandong found Baojian Ju, Hai Kang Life in the sale of part of the Bank for security risk even when there is misleading, and other irregularities, and led to complaints focus on the insured, surrender, and other events.
In fact, Hai Kang Life "cast even dangerous" storm in a few months ago, will have a sign, not only started recently, in August, Haikang insurance in the event of Shandong surrender frequent. Hai Kang Life events from exposure to surrender, surrender Jinan area Taikang 12, 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.
Shandong Hai Kang incident as a nail, and the rapid loss of iron.
In Tianjin, before the National Day, the Tianjin branch of life Life experience a large number of surrender, the company had to set up a special group to deal with customers for the surrender of staff on a daily basis to work late. Tianjin, a life-Life client told reporters: "October 15, 2007 bought 20,000 yuan of life ahead Life Ⅰ-risk investment even at that time is the net value of 1.6412 yuan. This year, 20,000 of money left over 10,000 points of the , Not to reclaim lost on the home of the grandmother. Do not play with them, we all retire, I retire. "
In Zhejiang, a leading life insurance company in January -8 even voted on risk premium income of 1.4 billion, the amount of surrender has reached 109,000,000 yuan, up 191.36 percent year-on-year. According to statistics, over the same period, life insurance companies in Zhejiang Province for a total premium income for insurance even 293,000,000 yuan, to surrender the amount of 161,000,000 yuan, up 166.52 percent year-on-year.
Account is insured losses surrender of the major causes of the industry, told reporters that even for universal insurance and risk functions to emphasize long-term investment, the stock market, fluctuations in net accounts, investors bear the loss and choose not hesitate to surrender.
In Fuzhou, in May, who lives in Gulou District of Fuzhou, respectively, Mr. Lin bought a stock-and debt-for-all insurance even 50,000 yuan, now account for only a partial-stock 36,000 yuan, into a loss of nearly 3, as investment income Lower than expected, Mr. Lin chose to surrender. In Fuzhou, the surrender of such incidents are not uncommon. Reporters from the point that an insurance company in Fuzhou, the public has every day for surrender procedure, in which the bank channel from the purchase of financial management type of insurance accounted for the majority of those who surrender.
A few days ago, announced in the first half of the province of Fujian Baojian Ju life insurance market analysis of the survey data show that universal insurance surrender payments increased by 38.2 percent year-on-year, investment insurance is to connect the hardest hit areas surrender up 2 times that of gold, simply surrender Rate of 28.6 percent, year-on-year increase of 7.5 percentage points.
In Guangdong, the strong sense of investment in other parts of the province, recently voted even dangerous surrender also on the rise. Reporters from the "Guangdong insurance information" to see, in April 2008, in May, even for a risk insurance channels surrender the amount of 284,400,000 yuan respectively, 343,170,000 yuan, the insurance corporation surrender the amount of channels to reach 78,590,000 yuan, 10,120 Million. 7, 8 two months, even for a risk insurance channels surrender the amount of 499,990,000 yuan respectively, 568,080,000 yuan; insurance corporation surrender the amount of channels to reach 140,670,000 yuan, 168,530,000 yuan.
A short period of time, from the personal risk to vote even doubled the amount of surrender. A policyholder complaints on the Internet, bought a regular 5-year investment-type insurance, rate of return than bank interest is the 1 / 3, pull security awareness when revenue is at least 6%. Large gains contrast shattered the confidence of policyholders. An insurance policy holders to vote even no choice but to say that when he bought the hype, I was even cast doubt risk even further than the stock to make money, the real lesson to me again ah! Do not believe that the sale of insurance by a pack of lies , Or hides money in their pocket at ease ah, Xianna out again.
In recent days, Sohu financial channels, more than 2,000 people to participate in the survey, 70% of the vote will not even choose to buy insurance. Reporters from the sale of the capital for several insurance companies not even informed of the risk, even for a few months since the moratorium on the sale of insurance is a basic, long the consumer has not even voted to buy insurance.
In the face of bitter state of mind of the insured, the reporters interviewed China Life Insurance (601,628, it shares), Ping An, Taikang Beijing branch, and so on, the three companies in Beijing have said that the situation is yet to come surrender. In the field is very serious surrender of Sun Life Everbright relevant staff also told reporters that Beijing did not appear on a large scale surrender.
Although the surrender although the incident did not appear in the Beijing area, but some insurance companies even for a day of dangerous surrender of calls in the past more than 3 times. Last year, relying on insurance premiums for even the size of the sharp rise in the number of foreign insurance companies also fell significantly. According to the China Insurance Regulatory Commission on October 24 announced the first premium income in September, Skandia Life, for example, Skandia Life Insurance premium income from foreign insurance companies in the last year, ranked eighth, fell to the latest ranking of 17. As by the end of September 2008, Skandia Life Insurance premium income of 3.08 billion yuan in August increased only 18,560,000 yuan.
In order to prevent the emergence of a collective surrender, many insurance companies have not even vote in risk insurance from the Bank of channels under the plane. China Life shares in the Bank's head of security-related channels, told reporters, we all major banks in Beijing in sales of insurance products only dividend risk, even for universal insurance and insurance is no longer Bancassurance sales channels. Xinhua Life Insurance, also said the company's sales channels in the Bank of security products is also limited to the dividend risk, even for insurance, universal Xianyao sale until next year.
Who let history repeat itself?
Even domestic investment risk faced large-scale surrender is not the first time.
In October 1999, Ping An Insurance in Shanghai to start a pilot sales "Green Century investment management link" insurance, and the promotion of national, was also brilliant record.
However, not last, the 2001 stock market downturn, even the safety risk for negative return on investment, by mid-December, casting doubts even after another article on naming products. Unfortunately, the safe insurance salesman has been concealing the truth loss in customer complaints of coercion, the company only had to review the safety of their own risk even for strict control of sales, and sales in his own name, the return of 160,000 yuan insurance customers Gold.
In 2001, Ping An Insurance triggered by the surrender of the vote even dangerous incident quickly swept through the country. Risk was even voted "life insurance market in transition symbolic products", between the twinkling of an eye into a rat running across the street, and everybody is against common enemies. In the same year on December 29, 32, the China Insurance Regulatory Commission issued a notice that the consumer should know the focus of such investment income and investment products account for the relationship between investment accounts, investment accounts for the collection of fees, investment accounts The main risk insurance policy holders when they surrender to the deduction of fees and refund policy holders can share and so on.
Before and after 2003, insurers were forced to stop selling insurance even vote.
Five years later, even dangerous for surrender tide again, who is the director of this movie? Who voted even dangerous once again attracted investors confidence in the expansion, once again its smash. Central University of Finance and Economics insurance speech Su Hao, Dean told reporters: "The vote should not even sell insurance salesman, insurance will not even vote should not be sold to buy insurance even for the customer."
Some of the misleading sales of insurance agents has been criticized by the community, they exaggerated the rate of return on investment, the Reality of "low yield" and that "high return" poles apart.
Mislead consumers into occurrence of the incident. Retirement home of Miss Liu told reporters: "I had to banks, financial advisers said to me, for which even the insurance proceeds can be as high as 88%, capital preservation is absolutely no problem, which is expected to have a loss of 30,000 accounts, the original old-age life insurance money Fell to 80,000 from 50,000. Miss Liu said that in the end to the complaints.
It has been revealed that in the event surrender the limelight wave of life insurance companies in Tianjin branch, the biggest problem is that private information printed documents to ensure that the minimum annual yield of 5% per fliers are covered branch Banks and Insurance Department official. The company's products, even for this loss by nearly 50% of the number of customer complaints came to the bank.
Insurance Institute of Fudan University, said Xu Wenhu, the insurance agent to describe the proceeds will be biased against the insured is very pleasant to the ear; Moreover, some of the insurance agents themselves are not fully understood, a very small number of agents Also intends to avoid the risk of tips. In addition, the lack of knowledge of the insurance policy holders, it is difficult to find the problems and risks, and even do not understand the link investment products and investment protection, is not expected to be entirely of investment income.
Xu Wenhu said that the regulatory authorities requiring the company released data on a regular basis, the insured is not sufficient to meet the actual demand for information, it difficult to protect the interests of policy holders. Renmin University of China Head of the Department of Insurance said Zhang Hongtao, insurance companies often only the positive side, domestic investment linked insurance customers misleading propaganda, which also linked to the relevant departments of insurance supervision are still less than clear.
Tuo Guozhu also told reporters that Taiwan sales for the insurance even leaflets on the first line with the eye-catching Chinese characters remind policyholders of investment risk; in the mainland, although the China Insurance Regulatory Commission formulated a series of policies and regulations restrict insurance companies, but there is no ground to strengthen The regulation, and insurance companies led to negative from positive breach, there is no clear reminder risk.
Insurance storm surrender the initiator
In fact, both the high and low quality of sales, insured or not capital markets, insurance companies, business expansion impulse is clear.
Ping An Insurance to launch in 1999 voted even dangerous, the selling point is "not only provide protection, and increase the value," which directly misleading policyholders for the best of both worlds, kill two birds with one of the good. Has not prompted, investment and risk capital markets, even inseparable from the capital market downturn, even for insurance directly affected yes.
In 2001, China's stock market downturn led to a direct vote even dangerous surrender, to vote this year, even dangerous surrender of the incident with the same capital markets continue to be linked directly with the next record. Unfortunately, insurance companies always could not suppress the impulse to that scene back to the capital market, insurance companies will not even vote for re-insurance. Insiders say that for insurers, the risk for even better is a lucrative sale. The bullish stock market, insurance policy holders are keen to vote even if the insured amount to thousands of dollars at every turn, or even several hundred thousand dollars, the accumulated premiums for insurance companies is quite attractive. In addition, sales for even low-cost insurance, the profits are very substantial. Therefore, in order to premium income, insurance companies, investment thrust even dangerous, and all this as a performance standard.
In the commission, such as interest-driven assessment, the sales clerk to vote even dangerous, aggressive marketing Huyou insured.
It is learned that the surrender was triggered tidal initiator of the Ping An Insurance, survived this time. This is because since 2001 took place after the events of the first surrender, then made a safe house in order to establish a strict regulatory system and business.
Reporters learned that this year's wave of surrender, foreign investment insurance and small and medium-sized insurance companies as a market challenger could be more radical. Unemployment insurance in the rapid expansion of the impulse to "seize the market"-oriented strategy, to ignore the risk of misleading sales for the surrender today, the risk of a concentrated outbreak of paving the way. For the time being, relatively steady pace of large-scale domestic insurers affected by a relatively small, the Pacific Insurance has not even voted to launch even dangerous products. China Life Shanghai Branch from the beginning of this year voted to launch even dangerous, and so far only sold 110,000 yuan, who has been to focus on the dividend at risk.
