Chinese Life and Bank of China are in partnership, how to complain about them?

Maybe you bought Chinese Life Bank Wealth Management Insurance with Bank of China. If you can find a teller or money manager who is selling directly to you, organize and collect what they say about your sale (preferably with a witness nearby). Then report these things to the CIRC department!

The second method: as long as you are not afraid of losing face, you can go to the bank and make a fuss and ask for a full surrender of the policy, ensuring that more than 80% of the principal can be returned!

If it's really good for you, can those people's IQ be worse than you, and they still need to sell you everywhere?

Want to return if it doesn't expire? According to the description of the insurance contract - I guess you signed it without even reading it at the time - you are lost.

A netizen summed up the fraud techniques of bank and postal savings employees:

The first is to interpret insurance as bank deposits, and selling insurance is to send insurance as deposits, and many people are still confused.

The second is to say that the ten-year insurance is three years, and the five-year and six-year insurance is said to be one or two years.

The third is to exaggerate accident insurance, most bancassurance can only cover accidental death or no accident insurance, but bank employees exaggerate to insure accidents (the implication is that as long as there is an accident, they are insured, deliberately vague words).

Fourth, the income is exaggerated, and the income due to bank insurance cannot be expected at all, but the bank staff exaggerates the income without authorization according to the instructions of the insurance company's personnel, basically saying that it is higher than the deposit, and interpreting the ten-year guaranteed amount as one year, which obscures the customer's hearing and hearing.

Fifth, the cash value on the policy is basically printed on the back of the policy and pasted on the back to prevent customers from understanding the truth and requesting to surrender the policy after seeing it;

It is because people trust banks, post offices and other institutions that insurance companies come up with such an idea.

Set up stalls in banks, post offices, etc., to sell insurance, and you will be mistaken for a new business in these places.

These institutions deal with money all day long, and they will naturally be mercenary and talk nonsense.

Those dividends are theoretically "expected highest" returns, which are based on the annual profitability of the insurance company, which is dispensable and has obvious uncertainties. The content of the contract does not clearly state the specific amount of money to be paid, and just a person's mouth says how high it is, it will be a blank "check" that the insurance company cannot cash. When the time comes, if you don't honor it due to various factors, you will not be legally responsible.

The common people's sense of contract is not strong, and they sign at will.

Insurance companies and banks have seized on this weakness to fool the common people. How many of you know the benefits of insurance?

Every day, they set up stalls in banks and put out advertising banners, which are pulled by individuals, and promote insurance under various banners.

Selling long-term life insurance to ignorant old people is said to be higher than the fixed deposit interest rate, and advocating some financial products to ordinary people who have few money and can't afford to pay renewal premiums, and giving them protection.

Turning their savings into policies that claim to have high returns but can't be withdrawn in advance is easy to insure and difficult to claim.

Pull a single order to give you a commission, and ask you to take the money out to beat the people in the bank;

If you can't sell it, you don't have a penny base salary, and you have to post it upside down. Do you think it's worth doing?

Lodge a complaint with the local insurance regulatory commission and the CBRC.

The complaint is that you say he listens, and after listening to it, it is the wind in the ears Or the upstairs method two is worth considering Good luck.

It is recommended not to buy it, it is deceitful.

What's wrong with this?

Don't rush to the bank to quarrel with the secret, collect the evidence, ask for the insurance policy to see what you signed is not suspicious, and then go to the Insurance Regulatory Commission and the Banking Regulatory Commission. I don't understand if you're asking me, I've been tricked into coming back before.

I was also fooled, the first time I couldn't, and I was fooled twice, this time it's even more exaggerated and I can't return the principal!

There is a 10-day cooling-off period, if it is not exceeded, the policy will be surrendered as soon as possible. Follow-up question: As long as I bought it, is there a ten-day hesitation period, the policy does not say the hesitation period, I bought it yesterday afternoon, and it has not been 24 hours, can I get it back, and can I get the principal back?

This can't be helped, dividends are generally uncertain, it is not fixed, and it is calculated according to the company's operating performance. Now that the contract has expired, what else can you do, you can have a way to record the audio at that time, and you will have a long memory. Generally, the insurance income will not be very high, and it is most suitable for you to buy financial products with high returns, which is relatively high but the starting point is also high.

There's no way, they always have their own reasons, you can't twist your arms and thighs.

Dear, you are lucky to be able to recover the principal, and you are not satisfied.

Insurance is to buy protection in the short term, of course, there is no money, and there is no income in the long term.

Find your insurance ** person to go.

First of all, dividends are inherently uncertain, and now there should be no insurance** person will be stupid enough to guarantee how many dividends, unless he is just trying to deceive you into buying insurance. Secondly, surrender is the most irrational. Many customers buy insurance because they don't understand the nature of the policy, and then surrender the policy, which is the biggest loss.

Because the biggest function of insurance is protection, dividends are only a small part, surrender not only loses protection, but also loses a part of the premium, dividends can not be enjoyed, surrender has no benefit. Rather than wanting to surrender the insurance, it is better to wait for two years, when the economic situation will be anyone's doubts, don't listen to the rumors and make a hasty decision. The global financial crisis of '08 has only now begun to slowly recover the economy, and the situation will not be worse now than it was then.

If there is a loss, it is just a little less dividend, and the cost of pension will not be less. Think of it as spending money to buy peace!

I would like to ask if you will receive your earnings by accumulating interest or returning them annually?

Are you buying bancassurance or not?

There are two words for China, and any other relationship.