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Recently, Taiwanese media revealed that Mr. and Mrs. Zhou Yumin bought a 6-year high-value savings insurance at an insurance company, but recently discovered that they had been cheated, involving an amount of up to NT$34.47 million (about 7.75 million yuan). It is understood that the fact that Zhou Yumin and his wife were deceived into buying insurance this time is a girlfriend who credulously believed in her wife selling insurance herself. They purchased a 6-year annual premium of 6.85 million yuan, and the premium was deducted by the silver card of his wife Yu Hongyuan. After paying the first installment of premiums, her insurance broker girlfriend moved her mind, falsely claiming that such a large transfer would be investigated by the tax department, and even be regarded as "money laundering" by the Financial Management Association, allowing Yu Hongyuan to pay the fee on her behalf. The latter things can also be guessed, the money is in the pocket of the girlfriend, and finally the insurance company is required to pay the second year's premium only to find that it was defrauded by the salesman.
(Image from the Internet)
First of all, Xiaobian believes that this incident is purely a matter of personal professional ethics, not the insurance contract to deceive people, but to deceive people. In life, there are also some friends who are misled to buy insurance, because they are misled by some insurance salespeople who exaggerate the benefits and avoid risks, resulting in the purchase of products and their own expectations do not meet. So how do we avoid these kinds of events in our lives?
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(1) Remember that any salesperson will not be exposed to premiums, otherwise it is illegal.
In order to ensure the safety of the insured's funds, the CBIRC requires insurance sales personnel not to handle customer premiums in any form, including "payment on behalf of". All premiums can only be deducted from the public account by the insurance company approved by the Banking and Insurance Regulatory Commission or transferred by the insured on their own initiative.
(2) Everything is based on the terms of the contract and the interests of the contract, and do not trust others.
It is required to see the link to the official plan of the insurance company, and the risk warning and information disclosure of the official plan of the insurance company are strictly required by the Banking and Insurance Regulatory Commission, and the important information will definitely be reflected.
(3) Attach importance to the hesitation period of the contract
You can ask when you can get the paper contract, when the receipt will be signed, and when the hesitation period will start. Generally speaking, there is a hesitation period of 15-20 days after the long-term insurance policy is signed, and if the contract is not clear, you can use this time to take a formal paper contract to carefully consider the insurance benefits in detail and see if the contract interest is consistent with the sales commitment.
(4) You can seek the help of professionals
If you really don't understand the contract, you can consult a professional third-party neutral consultant, such as a trusted insurance agent or lawyer.
Finally, Xiaobian once again stressed that the contract of the insurance company will not deceive people, and it has legal effect, so we should not waste food because of choking, but only need to keep an eye on it and understand more about the interests and terms of the specific contract. Personally, I think that savings insurance is still worth investing in, at least in this uncertain society, there can be a definite return to complete what we are sure will happen in the future, you say it is not very good ~ ~ ~
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