What should I do if the life insurance wealth management products are not paid as promised and the complaints are fruitless?

Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.

The meaning of insurance

1. From the microscopic point of view, the significance of insurance: insurance helps individuals or institutions to reduce economic damage, enhance their awareness of risk management, ensure that they can recover and transfer risks in time when they are damaged, promote the balance of personal or family consumption, and help enterprises strengthen economic accounting. Strengthening people's significance and role in insurance will not only bring good development to individual development, but also affect the development of the whole society.

2. The significance of insurance from a macro perspective: insurance has played a great role in safeguarding social stability, promoting economic development and foreign trade. It can not only ensure normal social reproduction and actively promote commodity circulation and consumption, but also help to balance fiscal and credit income, increase foreign exchange income and enhance the country's ability to pay.

3. Economic compensation function. Economic compensation is the basis of insurance, which can best reflect the significance and function of insurance, which is embodied in two aspects: property insurance compensation and personal insurance compensation. After the disaster, the insurer's timely payment function is of great significance for restoring normal life and production.

4. The function of financial intermediary. Re-invest the idle part of insurance funds into the process of social reproduction, and in order to make the insurance operation stable, the insurer must ensure the preservation and appreciation of insurance funds, which requires the insurer to operate the funds, thus ensuring the possibility of financing and enhancing the risk awareness in financing, which is also one of the manifestations of the integration of insurance meaning and function.

5. The function of social management. The process of regulating the whole society and all links through the social management function of insurance aims to give full play to the functions of various systems, departments and links and realize the harmony and stability of social relations.

6. The transfer of risk is not that the disaster really leaves the insured, but that the insurer compensates the economic losses of the insured with the help of everyone's financial resources. In fact, the loss is evenly distributed to the insured with the same risk.

7. Loss allocation is the premise and means to implement compensation, and the implementation of compensation is the purpose of loss allocation. In addition, some life insurance products not only have insurance functions, but also have certain investment value. That is to say, if there is no insurance accident during the insurance period, the premium you get will not only exceed the premium you paid in the past, but also have other benefits besides the principal. Therefore, insurance is both a guarantee and an investment income.

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What are the benefits of insurance?

1 Don't put your eggs in one basket.

Many people are not interested in insurance, thinking that the income from insurance is too low, and they would rather invest their money in relatively high-risk stocks, bonds and other projects. In fact, people who really understand investment know that they don't put their eggs in the same basket. They often divide their funds into four parts and invest them equally in stocks, bonds, real estate and insurance. When the first three items get high returns, insurance only helps them save taxes; When the first three items fail, insurance can guarantee their financial resources in time, or provide them with funds to make a comeback. It can be seen that insurance is a special investment: "Save money at ordinary times, and there is no shortage of money in case you get life-saving money!"

Buying insurance can avoid taxes and taxes.

Insurance indemnity is to compensate personal accidents and unfortunate losses, not personal income, so it is not taxed. According to the tax law, personal remuneration can be used to calculate taxable income. In addition, if the insured dies within the insurance validity period, the life insurance company will pay the death insurance money according to the contract. If there is a designated beneficiary on the insurance policy, the life insurance company will pay the insurance premium to the beneficiary. This kind of insurance payment is not treated as inheritance, which has the following advantages: ① it can be exempted from inheritance tax and income tax, which is conducive to property transfer and tax saving; (2) It does not have to be used to pay off debts, and no unit or individual has the right to preserve or freeze this insurance money; ③ Avoid inheritance disputes; (4) You can let people you like get property legally.

3 is it reliable to raise children to prevent old age?

Since the implementation of the one-child policy in China, the family structure has become "4:2: 1", that is, a couple has to raise four old people and one child, and each person has to bear the living expenses of 2.5 people except himself. This is obviously a heavy burden that they can't bear, so "raising children to prevent old age" is probably beyond their ability! A healthy life in old age is not as good as a healthy life in heaven and earth. Only by taking precautions and making insurance plans as early as possible is the general trend of social progress. Life insurance companies can help us enjoy our old age, safeguard our personal dignity and truly provide for our old age.

Insurance is the embodiment of status and value.

Insurance is the best embodiment of identity, credit and value, and the amount of insurance on the policy can prove our own value.

Be prepared for danger in times of peace.

The average annual death rate of China people is 3‰ ... On average, 65,438+06 people die in traffic accidents every day ... Thieves may not come to visit, but we are still willing to install security doors; It may not rain, but umbrellas are our regular items; Risks will not happen, but we must guard against them.

It is your responsibility to buy insurance when you are young.

Prepare for old age when you are young, and prepare for when you have money. It is extremely wise to prepare for old age when you are young; Money without money is the real vision. The saddest thing in life is to find out in my later years that I haven't reserved enough living expenses for myself, but the domestic life insurance companies can ensure economic independence and make my old age dignified.

Buying insurance for yourself is a responsibility to the family.

If you love your family, you can say: I will take care of you as long as I am here. If you have an insurance policy, you can say: The insurance policy will take care of you whether I am here or not. An insurance policy allows you to live honestly.

Buying insurance for your family is a responsibility for the future.

Sometimes, insurance is ... some people's responsibility to others to move on! A little effort in peace is better than a thousand prayers in disaster.

9 reasons to buy life insurance for children

As we all know, the lower the premium, the cheaper the premium paid and the more cost-effective the life insurance purchased. Establish a good risk plan and educate children to understand the concept of risk management as soon as possible. Cultivate children's sense of responsibility, cultivate children's good values, and cultivate children's sense of responsibility. Risk transfer to ensure the stability of family life. If you can insure a whole life insurance for your child shortly after his birth, this policy will be the best gift for him as an adult. Transfer property to children to help them buy life insurance, and transfer assets to children's names. Children still have a long way to go from stumbling to walking steadily. Parents may not be able to take care of their children all their lives, but they can use life insurance to convey endless love and help their children through every difficulty safely.

10 Rich people need to buy insurance.

With the rise of insurance craze in China, many rich people bought insurance first. But there are also a few people who think that I have enough money and don't need to buy insurance. In fact, rich people need to buy insurance more. Let's see the truth! Being rich doesn't mean that there is no danger to life, no accident, no disease? Life insurance plays an important role in protecting risks. Life insurance can spread the risk of capital, exempt from inheritance tax and legally transfer property. Insurance is a small emergency cash, should we refuse cash?

(constituting a verb) means "to put in a state of ..."

How to add icing on the cake to insurance?

1, buying insurance means buying a peace, just like we go to a temple to donate money and make a wish to the Buddha, which is a kind of spiritual sustenance, seeking peace and peace of mind.

2, accumulate wealth, let them form good savings habits, and can educate and cultivate children's correct and good long-term financial management concepts.

3. Make adequate preparations for children's future education funds or venture funds, and any situation will not affect their successful economic expenditures.

This kind of health fund can make people maintain their economic independence and personal self-esteem when they are old, which can not only reduce the burden of their children in the future, but also let them decide what they want to do.

5, this is a good gift for the baby, and the love of adults will accompany the child for life.

6. Transfer property to children: transfer property to children's names by helping them buy life insurance. Completely tax-free, to prepare for the safe and perfect transfer of assets in the future.

7, insurance, not only for themselves, but also for their families in real life, more protection, more responsibility, more love; At the same time, insurance is also a charitable and caring public welfare undertaking, which has helped many people in need and is also a responsibility to the country. So it is the expression of a person's noble character, the symbol of life taste and status!

8. Reflect your own value and show your economic strength. How much insurance you buy, your value is what. The higher your value, the stronger your economic strength.

9, improve credit, can be used as enterprise or individual loan investment, a commitment to the lender and credit.

10, the establishment of the reserve fund is essentially the money "deposited" in the insurance company and can be used at any time. If there are good investment projects, the funds can be transferred at any time, which will not affect the income of the policy. Don't worry about preparation for traveling or participating in colorful activities in the future.

1 1. Money buys time, and success = capital × ability× time. With a certain amount of capital and ability, plus enough time, career success is just around the corner. With capital and ability, insurance can guarantee your economic success under any circumstances.

12, economic life value = your annual income × working hours. Insurance can make people have a sustained economic income after retirement, and will not be affected by anything to achieve their goals.

13, insurance can transfer risks because we help individuals with everyone's financial resources. People who do business know best and make the best use of their strengths. They will use their small funds to the limit with four or two dollars, so that everything is guaranteed and they are invincible.

14, insurance is not the fastest channel for investment income, but it is one of the best tools for financial management, hedging and tax avoidance. Insurance money can be exempted from income tax and inheritance tax, save taxes and preserve property. In particular, the amount of property is huge, and it may be considered to transfer assets safely through insurance.

15, the basic reason for the ease and happiness of life is that income is enough to cover all expenses. People with long-term vision know how to ensure a continuous source of income, so that the living standards of themselves and their families can remain stable and gradually rise.

16, insurance is a stable and healthy financial management method, which can guarantee our future quality of life and increase economic sources. Perfecting the rational investment distribution of property will enable us to choose better living conditions in the future and prepare for the guarantee of quality of life.

17, insurance has the function of preventing inflation and currency depreciation.

18, a method of investment and financial management, can't put eggs in the same basket and divert some funds to invest in insurance. This is a hard and safe financial barrier.

19. People who own property in public places can protect their own industries and others in public places.

20. The insurance premium will not be frozen, and it will be completely controlled by itself, which can avoid falling into debt settlement and can be used as a valuable resource for making a comeback.

2 1, when we have the money and ability to be healthy, it is not a burden to buy insurance (suppose there is 6000 yuan per month, if it is less than 1000 yuan per month, do you think it will have a particularly significant impact on your life? ), this is the icing on the cake of life.

22. Provide basic guarantee for sustainable operation for small enterprises or small business operators, and provide better and safer capital and cash flow solutions for medium and large enterprises.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.