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Insurance products are numerous, in many products, you must have seen the word "dividend", at this time we will be involuntarily attracted, how insurance and dividends, this seems to look good, both can have the function of insurance, but also get a certain interest, this is not the best of both worlds?
But things are often not so perfect as imagined, in fact, there are certain pros and cons, whether it is life insurance, annuity insurance, two full insurance, can be made into the form of dividends.
In life, dividends are generally linked to investment, such as stocks, so there are many salesmen with their own understanding for customers to sell, this dividend insurance interest rate is high, the income is good, but also can have a protective effect, such a good insurance products do not buy is not to suffer losses? As a result, many consumers pay for this.
Insurance expires 70,000 can only take 30,000, the parties: do not keep the promise, insurance companies: death without proof
<h1 class="pgc-h-arrow-right" data-track="10" >01 real case</h1>
On July 31, 2016, Shi Mou, who lives in Harbin, Heilongjiang, took out a whole life insurance (participating insurance) at an insurance company, and attached an early payment of critical illness insurance, with an annual premium of 3528 yuan and a payment period of 20 years.
According to Shi, the salesman went door-to-door to sell insurance again and again, and promised that after 20 years of payment, he could get back all the principal paid, and there were some dividends, so Shi was willing to buy the insurance.
Recently, Shi Mou wanted to inquire about the income of the insurance policy, so he called the customer service of the insurance company, but found that the reply of the insurance company's customer service was completely different from the original introduction of the insurance salesman.
<h1 class="pgc-h-arrow-right" data-track="55" >02 case study</h1>
Insurance company customer service said that Shi Mou can not get back the principal after 20 years, can only withdraw more than 30,000 yuan, which makes Shi Mou very angry, Shi Mou has now paid 5 years of premiums, and now it is a dilemma, if you choose to continue to pay premiums, after 20 years or can not get the principal; if you choose to surrender, you can only refund the cash value of the policy of 5617.2 yuan.
So Shi complained to the local Banking and Insurance Regulatory Commission under the anger of the insurance company, but half a month passed and there was no reply.
Shi Mou is very helpless, now the insurance company does not give a solution, can delay, but also let Shi provide evidence of the year, now the insurance salesman who sold himself has left, did not show Shi the insurance plan at the beginning, and now there is no proof.
Now Shi Can only quietly wait for the reply of the relevant departments, or seek other ways to solve the problem.
<h1 class="pgc-h-arrow-right" data-track="56" >03 Hi Insurance Claims View</h1>
It can be seen from the above cases that Shi believed in the introduction of the insurance salesman, did not carefully check the insurance contract at all, so he did not know his own income, and the insurance salesman's own insurance professional reserve knowledge is not much, but to the high return of the participating insurance to induce consumers, although the participating insurance has a certain income, but the need for a long cycle, the income is also unstable.
By calculating the insurance purchased by Shi, you need to wait for at least 30 years to get back the principal, if you choose to surrender at that time, the cash value of the policy will also increase, but what really makes Shi angry is that the commitment of the insurance salesman and the insurance policy are not consistent, and he feels that he has been deceived, so he wants a fair way, Shi's idea can be understood, but anger can not solve any problem, we must seek the right way to solve the problem.
The worst case of dividend insurance is that the income may be 0, if the insurance company does not give you dividends for twenty years, consumers have no choice, in addition, the income of dividend insurance is not very transparent, the income has become a mystery, the specific number of points, only the insurance company knows, such a product full of uncertainty, consumers must be cautious to buy, because the ideal is very full, the reality is very bone.
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