What to do if you are deceived into buying insurance at the bank 15

The insurance sold by banks and post offices is roughly like this: the sum insured = short-term total premium, income "bank interest, it is a hybrid of banks and insurance companies, and it makes little sense to buy.

At present, the insurance with the most complaints in China is bancassurance products and universal insurance.

Generally speaking, the insurance personnel who handle business in the bank are the ones whose companies have an agreement with the bank, in other words, it will not be **.

After the 10-day cooling-off period, the handling fee will be deducted for surrender, and the handling fee will be deducted after the initial payment, so the refund rate will be about 30%-50%. So it will be a loss.

In other words, the elderly in your family also have their own financial concepts, so it is better for you to learn about the content of the insurance from the elderly, or accompany the elderly to the bank and ask the service staff over there to explain it to you. After you fully understand it, consider whether you want to surrender the policy.

Banking, insurance, and ** are the three pillars of the financial industry, and they are also the three important forms of financial management that we are most likely to come into contact with. Banks are characterized by short-term flexibility and low returns; Insurance is a long-term and stable investment, with a moderate return; **It is a risky investment, and the returns are easy to be extreme. Maybe your elderly person has chosen a good product for you?

Communicate more with the elderly, not only on financial issues, but also in everyday life. Don't forget who educated and nurtured us as children.

Hello, I don't know what insurance you said the elderly were fooled into buying in the bank, after more than half a month, no matter what insurance is returned, you might as well say the basic information of the insurance you bought, so that everyone can help you see when it is more appropriate to return.

Surrender, first: Banking Supervision Commission, second: or 315, or the Insurance Regulatory Commission.

Ask the old man which product he bought, if the old man really doesn't use the money, the income will be higher than the bank's regular income until the maturity. If you still have any questions, you can go to the bank and find out more about the product.

It's been half a month, and it's not cost-effective to retreat.

Yes, investors can get a refund within 15 days of purchasing insurance products sold by banks. On the day of insurance, you can cancel the order at the bank counter on the spot, but there are requirements for cancellation. For insurance sold at the bank, the insurance can be surrendered at the bank counter on the day of insurance (in layman's terms, it is equivalent to canceling the policy), and then the money will be returned to the customer's account on the spot.

This is possible because the money has not yet been transferred to the insurance company's account. However, the next day after the insurance is purchased, the bank counter can not cancel the order, the consumer goes to the insurance company's counter, fills in the surrender application form, or asks the insurance company to bring the application form to the bank branch, and then after another three or five working days, the money can be returned.

Insurance bought by the bank can be refunded. At present, policyholders can return the insurance purchased at the bank in the following ways:

1. You can log in to the official ** of the insurance company, find the surrender entrance in "My Policy" after logging in, and follow the prompts on the page.

3. You can bring the contract termination application, ID card and insurance policy to the offline business outlets of the insurance company to go through the surrender procedures.

4. Insurance is divided into surrender during the hesitation period and surrender outside the hesitation period, during the hesitation period, you can get back all the premiums paid, and if you surrender the policy outside the hesitation period, you can only get back the cash value of the policy. Therefore, after the bank is deceived into buying insurance, the policyholder should apply to the insurance company to surrender the insurance policy as soon as possible to avoid unnecessary economic losses.

5. Keep the evidence of being deceived by the bank, whether the bank is the underwriter or the first party, if it is an informal operation, it is misleading sales, and on the basis of facts, the policyholder has the right to apply, so that the bank can bear the consequences of surrender, and the policyholder will get back the premiums paid.

Extended information: Who to look for when you were fooled by the bank into buying insurance and surrendering your insurance:

1. If you buy insurance, where to buy it, and who to find when you surrender the insurance; If you apply for insurance online by yourself, when you surrender the insurance, you can call the bank directly and consult the relevant matters of surrender, and the bank staff will inform you of the specific surrender matters.

2. If you are looking for a bank ** person to insure, you need to find a ** person, so when you surrender the insurance, you also need to sign ** person in accordance with the regulations, so you don't have to worry about unpleasant things happening, you don't like the product directly apply for surrender, if you can't find ** person, directly to the underwriting bank **, or the insurance underwriting company **.

3. The insurance of the bank **, the different underwriters are not necessarily only the banks, many banks are jointly launched with insurance companies, so in case of surrender problems, you can find banks or insurance companies.

Operating environment: brand model: iphone13

System version: iOS15

Software version: Life Insurance.

Summary. Glad that your problem has been defrauded by the bank, you can report it to the CBRC.

What should I do if I am defrauded by the bank.

Glad that your problem has been defrauded by the bank, you can report it to the CBRC.

Extended information: 1. First call the customer service of the insurance company to complain, explain the situation and ask for surrender, that is, to request the termination of the insurance contract. At the same time, it can clearly tell the insurance company that its behavior is suspected of misleading sales, and it has the right to complain to the CBIRC with reason, and collect evidence for rights protection during the period.

2. You can also call the Insurance Regulatory Commission to complain about the insurance company, and inform the staff of the bank's fooling to buy insurance, and wait for the follow-up results. 3. You can also complain to the relevant departments of the local banking and insurance regulatory commission, either through the network or through the Internet. If there is no local CBIRC, you can file a complaint with the insurance industry association, and you can accept the relevant complaint business.

4. In addition to the CBIRC, you can also complain to the Consumer Protection Association to inform and give feedback on the fact that you went to the bank to deposit money and was fooled into buying insurance. 5. If there is clear evidence to prove that the bank staff deceived or misled, they can directly go to the court to sue. 6. It should be noted that if you deposit money in the bank and are fooled into buying insurance, the complaint is clear evidence that the bank salesperson misleads consumers to buy insurance, which will be useful, and if there is no clear evidence that the sales are misleading, it is not very useful to complain.

It is useful to report the case of being deceived into buying insurance at the bank. After being deceived of money and calling the police, the case will be investigated and solved, and the money can be recovered, and the fraud amount is more than 3,000 yuan and the public security organ is suspected of fraud.

Cases should be opened for investigation, but due to the different levels of economic development in different localities, all localities can formulate specific standards for the number of children according to the local economic development conditions.

Miscellaneous. The people's courts' people's procuratorates or public security organs shall promptly conduct a review of the report materials in accordance with the scope of their jurisdiction, and where it is found that there are facts of a crime that need to be pursued for criminal responsibility, a case shall be filed, and where it is found that there are no facts of the crime, or that the facts of the crime are obviously minor and do not need to be pursued for criminal responsibility, the case shall not be filed.

If you are deceived into buying insurance by depositing money in the bank, you can complain like this.

1. Go to the insurance company to negotiate and communicate the situation, and clearly inform the insurance company to modify the insurance contract, or surrender the insurance (request to terminate the insurance contract). You can clearly tell the insurance company that your behavior is suspected of misleading sales, and you have the right to complain to the insurance regulatory department with reason. During the period, do a good job of collecting evidence for rights protection.

2. Call the National Insurance Rights Protection **12378 to complain to the insurance company.

3. Complain to the local insurance regulatory department, either through the Internet or through the Internet. At the same time, in this case, you can also file a complaint with the local banking regulatory bureau.

If there is evidence to prove that the bank staff was deceived or misled, first negotiate with the bank and the insurance company to request the termination of the insurance contract; If the negotiation fails, the complaint shall be resolved with the CBRC and the CIRC; Finally, you can go to court to sue.

Legal basis. Article 116 of the Insurance Law of the People's Republic of China Baoyan Insurance Company and its staff shall not engage in the following acts in insurance business activities: (1) deceiving the policyholder, the insured or the beneficiary; (2) Concealing important information related to the insurance contract from the policyholder; (3) Obstructing policyholders from performing their obligations to truthfully inform as provided for in this Law, or inducing them not to perform their obligations to truthfully inform as provided for in this Law; (4) Giving or promising to give the policyholder, the insured, or the beneficiary an insurance premium rebate or other benefits other than those agreed in the insurance contract; (5) Refusal to perform the obligation to compensate or pay insurance money as agreed in the insurance contract in accordance with law; (6) Deliberately fabricating insurance accidents that have not occurred, fabricating insurance contracts, or deliberately exaggerating the extent of losses from insurance accidents that have already occurred to make false claims, defrauding insurance money or seeking other improper benefits; (7) misappropriation, withholding, or embezzlement of insurance premiums; (8) Entrusting institutions that have not obtained legal qualifications to engage in insurance sales activities; (9) Using the development of insurance business to seek improper benefits for other institutions or individuals; (10) Using insurers, insurance brokers or insurance appraisal agencies to engage in illegal activities such as arbitrage of fees by means of fictitious insurance intermediary business or fabricated surrenders; (11) Harming the commercial reputation of competitors by fabricating or disseminating false facts, or disrupting the order of the insurance market by other acts of unfair competition; (12) divulging the commercial secrets of the policyholder or the insured that come to their knowledge in the course of business activities; (13) Other acts in violation of laws, administrative regulations and the provisions of the insurance regulatory authority.

<> money that is due is transferred back to the bank account. In this case, the insurance is returned at maturity, and the bank account refers to the payment that is submitted at the time of maturity. The process of receiving the expiration of the insurance is as follows:

1. Bring the insurance policy, bank account, ID card, if the insured is not the same person, the ID card of the policyholder and the insured need to be carried, and go to the nearest insurance company's offline Donghu business outlet to handle the insurance expiration. If you apply for insurance in a bank, you can submit the information to the staff of the insurance company in the bank, and you need to go to the insurance company to handle it.

2. Submit the information to the staff of the insurance company, fill in the relevant information, and wait for the insurance company to review.

3. After the insurance company is approved, the maturity payment will be transferred to the bank account within a certain working day.

If it is a type of insurance related to life insurance, critical illness insurance, or medical insurance, the premium will not be refunded to the bank account if there is no insurance after the insurance expires. For example, term life insurance, if the insurance is not insured, the premium will not be returned, which is equivalent to consumption. If the critical illness insurance does not have both comprehensive insurance and no insurance, the money will not be refunded if the insurance expires.

In addition, medical insurance is a short-term insurance with a one-year insurance period, no medical insurance claims, no money refunded after expiration, and pure consumption-based insurance.