wot power leveling will be ready to save money on insurance - RJH

Obviously in the Bank to buy financial products, finally became the insurance contract buy insurance when he was better than singing is good, but service quality so couldn't say sth This newspaper opened "3·15" ' hotline, every reader into the complaint, said salesman when his bank deposit "hoodwinked", will be ready to save money on insurance, laterFind the "dilemma". Term of insurance typically have strict, and some also need to pay in phases, that is, deposit a certain amount of money each year, if compliance with the contract cannot collect the money, if the early demand being higher fees. In recent years, the insurance awareness increasing at the same time, all kinds of disputes about insurance continues to increase, as the "3·15" approach, insurance-dTopic once again become the focus of attention of the right. This reporter has learned, mainly focused on sales of insurance and claims two areas, where "life insurance selling misleading" become a matter of complaint is most concentrated. This reporter consulted the relevant experts in the field, reader zhizhao, wake up. A confusing financial products and insurance products: Aunt saved a Lee 20,000Worth the money, go to a Bank for deposit, when filling out the business document, dressed in uniforms of banks staff to recommend financial products to them, says the product is a new business for banks, fixed deposit by installments, interest is high, very good. Aunt Lee constant persuasion from the staff to handle the business, but this time the staff member does not inform Lee aunt bought realIs insurance. Aunt Lee out of the Bank's trust does not refer the matter to heart, until ready to buy a House when you need to collect the money in the near future to the bank asking to know is to buy insurance, and now surrender to bear the fees, etc. Zhizhao: for consumers, to avoid sells misleading, you should first understand the formal status of sales and ask them to produce a working document, to recognize its workersAs a unit. Secondly, should be carefully understanding the nature of the product and the terms of contract, don't hurry or being enthusiastic infection at the expense of sales knowledge of the product. Thirdly, even blindly signed a contract for a moment do not panic, insurance products have a 10-day period of hesitation, consumers can take advantage of this time to study the insurance contract during this period, as long as the insurance contract are dissatisfiedCan make surrender, insurance company shall refund the premium. Two insurance product risk obscurity: Ms King two years ago bought a universal insurance company a-whole life insurance, when Lady Wang was told by insurance agents, the product is "pure savings deposits", there is no risk. But when you receive on account of the insurance company issuing the detail, she foundPolicy is much less than the cumulative surplus value of the premium. Zhizhao: Ms Wong suffered belong to insurance agents were not clearly informed of product characteristics and risks to be insured. It is understood that when buying investment and even insurance and universal life insurance premiums are not paid by all into investment and security accounts, but will deduct an amount of initial costs, this is mainly to cover marketing costs of the insurance companies. In addition toInitial fee, charge account management fees every year by the policy. If early surrender, the applicant needs to assume a larger loss, receives the cash value. Is important to note, cash value insurance amount after deducting the cost of the resulting number, operating costs, guarantee costs, including insurance companies, such as cost of sales channels, requested by the China insurance regulatory Commission reserve,Not consumers insurance payment of principal. According to "the new insurance law" provisions of the disclaimer needs to be made clear on policy holders of insurance companies, or the policy is not valid. According to the China insurance regulatory Commission and introduced "the new Insurance Act" supporting the implementation of the life insurance new product information disclosure on management approach, insurance companies sell to individuals, such as investment companies wot power leveling, dividend, universal-investment products, Also requires that the policyholder in the contract take risk disclosure statement (I have read terms, product brochures and insurance tips insurance books, about the characteristics of the product and the uncertainty of the policy interest) after signing. Third confusion demonstration events of interest rates and actual receipts: some insurance sales pay for attracting customers, intentionally cater to consumers "capital gains" expectations of praiseInsurance investment income, such as your interest rate and real income confusion. People she will suffer damage, bought an insurance product, very few returns after three years, did not meet the original proceeds of insurance company's commitment. Zhizhao: hot bonus insurance product on the market right now, for example world of tanks power leveling, proceeds of this product consists of two parts world of tanks power leveling, one is the guaranteed minimum income, which is fixedTo calculate, and some are not fixed dividend income. Dividends on insurance product flyer in the company, in accordance with the high middle and low yield listed a dividend may be allocated, but the return on investment of presentation rate is assumed, and do not represent the historical performance of insurance companies, doesn't mean expectations of future business performance, so consumers can and cannot beReal return of art the equal sign. Four property keyword is ambiguous: a decoration company purchased after the total amount up to $ 1 million in property insurance, policy explicitly says: "during the insurance period, water tanks, water pipe burst (but not including caused by rust) direct material losses resulting from the risk, the company agreed with the claim in accordance with the provisions of this policy. "ThenThe company for air conditioner pipe parts problem water leak, economic losses amounting to more than 200,000 dollars, head of decoration companies thought that compensation is necessary, but the insurance company says water pipes are "off" instead of "burst", denial of compensation. Zhizhao: an insurance policy to produce multiple understanding, are the most typical examples of insurance companies currently playing word games. According to common sense and leakingProperty damage is caused by a common risk, most property insurance policies will be listed as one of the main risks, many families, the company is directed at these common risks to insure property insurance. But the same words, understanding of the provisions of the contract and the insured are "slight discrepancy, miuyiqianli". When purchasing insurance policy holders must ask "under what conditions can claim" in order toEnsuring their rights. In addition, select property insurance in the more common "property all risks", it is "except for responsibilities caused by reasons other than the subject matter insured losses" are liable, more favourable towards policy holders. Five-beware of online insurance policy event: the people of Liang Yuxiang before travel, in online purchase an accident insurance, costs $ 20。 Upon receipt of the insurance policy, only one day he found the insurance period, did not cover the entire trip, so please call the insurance company, but the insurance company replied, no, his policies in the system. Zhihou, the site recognizes Liang Yuxiang is forged by the policy of insurance policies. Liang Yuxiang website to court, seeks compensation for $ 100,000, and its website a public apology a week. Both revolve around "Who should be the policy responsibility of the compensation body "opened a heated debate on such issues. Zhizhao: short-term accident insurance low pay rate, coupled with the few would call the insurance companies identified, agencies will leave after the insurance policy to the consumer is not normally something, thus breeding a lot of selling fake insurance policy agent, in the aviation insurance is most typical of them. Policy events moreIn a short-term accident insurance intermediary sales channels, including the insurance period in less than a year, such as accident and travel accident insurance. Tell policies have some small skill: legality of purchasing insurance cover note identifying the insurer, consumers can log in the China insurance regulatory Commission Web site, check with the China insurance regulatory Commission approved the establishment of a legitimate insurance agency. Consumers with insuranceAnd industry qualification of air ticket sales outlets, travel agents and other intermediaries when buying a short-term accident insurance products to pay attention, after purchasing the insurance policy should make policy published by the Insurance Authority on customer service calls in a timely manner or log on company's Web site, by telephone consultation or input methods such as policy information check authenticity policy. Wen Qin Wei gold online statements in writing and arrangement:Gold-line reproduced above, does not indicate that confirm the description, for investors ' reference only and does not constitute investment advice. Investor operations accordingly, at your own risk.