A man in Nanjing had a big fight with the insurance company. What happened?

65438+1On October 28th, a man in Nanjing, Jiangsu Province bought dividend insurance, paid 65438+million, and then went to the insurance company for consultation. When can I take out my 654.38 million, ten years, twenty years, thirty years? ? . Generally, after buying insurance, they rarely ask questions. Many people set the monthly deduction as automatic debit of bank cards. But the man found the problem and went to consult.

However, the staff said that the man bought this product, and the 100,000 principal could not be recovered in ten or twenty years. This man is very angry. Then what's the point of buying this? Isn't this a lie? ? . He believes that this so-called dividend insurance is simply deceiving customers and ordinary people, not to mention dividends and income, and even the principal can't be recovered.

Although I don't know what insurance men buy, I can see that they can't get the principal for ten years. This kind of dividend insurance is not cost-effective, and the yield is not as high as long-term deposit interest. Let's compare bank deposits. What will the income be like? Calculated at the annual interest rate of 3% for the three-year time deposit of China Construction Bank. 10000? 3%? 3=900 yuan,100000 is 9000 yuan for three years, and more than 50000 yuan for 20 years.

Some professionals explained that dividend insurance actually pays dividends to beneficiaries every year, but in fact, this product is not cost-effective. Many people have been fooled into buying this dividend insurance, but it is not cost-effective, and the income is far less than that of wealth management products.

Therefore, when there is a risk that makes you particularly excited at first sight, it also indicates that the risk inside may be great. The man in Jiangsu had an argument with the insurance company because he couldn't know the exact income when he bought this insurance. If the salesman avoids the heavy weight and even introduces it to you, customers will be easily tempted if they exaggerate the benefits.

But it can't be completely said that the insurance company is cheating. I can only say that I have the responsibility to remind you more. Think about it, who will always say that their things are defective when selling things? Then how does this man defend his rights in this situation?

First of all, it is necessary to find out whether the salesman exaggerates the facts and provide corresponding evidence. Then submit it to arbitration, solve the problem through mediation, and finally file a lawsuit.

It seems that if a man wants to get his rights back, he must find evidence of dereliction of duty of the business personnel or problems in the contract. Otherwise, it's no use making a scene.

I would like to remind you that when buying some insurance, you must read the insurance contract, clarify your obligations and ensure your rights and interests.

It was at that time that the man heard the insurance salesman tell him that it was ten years and he could take out the money and enjoy the corresponding rights and interests. But now the time is gradually extended to 20 or even 30 years, which is simply unacceptable to ordinary people.

He thinks this is a deceptive insurance contract, and makes a fuss about the insurance company, which shows that there is no way for the two sides to communicate. It is not easy to claim compensation, and it is even more difficult to defend rights.

In fact, the money may not be returned. Because we all know that insurance is a big insurance company in the end, they must have studied these legal provisions very deeply.

Whether you are satisfied with the insurance contract or not, if there is no obvious violation and both parties sign it, it will have legal effect, and there is definitely no problem, so it is impossible to overturn the signing of the current contract without substantial evidence.

We gradually realize that we need to be cautious when buying insurance! Many people say that buying insurance is like borrowing money. Many salesmen are grandchildren when they recommend you. After you buy it, he will be grandpa. Although you can't generalize, your service attitude really needs to be improved.

The sales staff of insurance companies are also under pressure. If they can't perform normally, they will be forced out. If we increase the publicity of stress-free agents, salesmen can study the insurance rules in depth and explain the advantages and disadvantages to customers in detail.

Even if the service attitude is not good, it will not affect everyone's enthusiasm for buying insurance, because insurance itself is a kind of protection for their own interests, so the key is to avoid the pit. Before buying, you must be familiar with the insurance and contract terms that suit you.

Although buying and selling is your wish, it should be open and transparent. The seller said not only the advantages of the buyer, but also the disadvantages and even the possible risks in the future. For the buyer, the most important thing is to know his own needs; Insurance demand should be selected from the aspects of age, gender, occupation and economic status. Different people have different needs for insurance. Even if others say that it is cost-effective, it may not be suitable for you.