First, insurance is defined as bank deposit, and selling insurance means sending insurance by deposit. Many people are still confused.
The second is to say that ten years insurance is three years, five years and six years insurance is one or two years.
The third is to exaggerate accident insurance. Most bank insurance can only cover accidental death or no accident insurance, but bank employees exaggerate the coverage of accidents (the implication is that as long as there is an accident, the words are deliberately vague).
Fourth, the benefits are exaggerated. The maturity income of bank insurance can't be expected at all. However, according to the instructions of the insurance company personnel, the bank staff exaggerated the income without authorization, which was basically higher than the deposit, and interpreted the ten-year insurance amount as one year, confusing customers.
Fifth, the cash value on the policy is basically printed on the back of the policy and stuck on the back to prevent customers from seeing the truth and asking for surrender;
Those dividends are theoretically the "highest expected" income, which depends on the annual profitability of insurance companies. They are dispensable and have obvious uncertainty. The content of the contract is not clear about how much money to charge, which will be an empty "check" that the insurance company can't cash with just one mouth. At that time, due to various factors, it would not be honored and there would be no legal responsibility.
These institutions deal with money all day long, and naturally they will lie with their eyes open for profit. What else is the principal security? Interest can be paid and dividends can be paid.
There is a hesitation period of 10 days after the insurance, during which the goods can be returned, and only the production cost of 10 yuan is lost.
There will be a customer service phone number on the contract, so you can call for advice.
Take the contract and ID card to the insurance company (not the bank and other consignment agencies, watch! ! ! )。
After 10, it cannot be taken out in advance.
Otherwise, according to the instructions in the insurance contract-it is estimated that you signed it without reading it at that time-you are dead.
Set up stalls and put up advertisements in the bank every day. Everyone pulls and sells insurance under various flags.
Selling long-term life insurance to ignorant old people, saying that the interest rate is higher than that of time deposits,
What financial products are advocated for ordinary people who can't afford to renew their insurance premiums, and they are also guaranteed.
Turning their deposits into insurance policies that claim to have high returns but cannot be withdrawn in advance, it is easier to insure than to settle claims.
I'll give you a commission to take care of the people in the bank;
I can't sell it, I don't have a basic salary, and I still post it backwards. Do you think such a thing is worth doing?