What should I do if I go to the bank to deposit money and am deceived into buying insurance, and can

You can ask for help from Century Insurance.

Century Insurance is a domestic insurance complaint handling platform. Founded on December 6, 2006, it was initiated by Pan Hao, an expert in insurance practice, relying on his financial resources and lawyer resources, and Internet people. Since 2007, Century Insurance has handled more than 36,000 complaints for public welfare, recovering tens of millions of yuan of lost funds for consumers.

The complainant can request professional support from the company after repeatedly complaining to the insurance company and other relevant channels to no avail. The professionals of Century Insurance Network communicated with the complainant through **.

A detailed analysis of the misled details and evidence will be conducted, including various important links, such as: whether the policy receipt, insurance policy, insurance reminder, and risk reminder are all copied in person, whether the insured's signature is signed by himself, whether he has received a return visit from the insurance company, whether the return visit has prompted the relevant risks and the losses that may be caused by the surrender, etc.

With the help and guidance of Century Insurance, the complainant negotiated with the insurance company again, and before the evidence and professional negotiation actions, the complainant only took 20 days to get back the principal and all the interest.

I don't know if it's been more than ten days? You can return within ten days, if you exceed, you can't, but at this time it's best not to refund, you go to the bank to consult, if there is anything unclear, you can contact me, and you do a policy review, Shenzhen Ping An Insurance Zhan Jiabing.

If you buy insurance, you can withdraw money at maturity.

Legal analysisIf the bank does not agree to assist in surrendering the policy, call the customer service of the insurance company directly to explain the situation, and complain to the bank for sales, asking for a full refund and surrender. If the insurance company and the bank do not agree to surrender the policy, then you can call the Insurance Regulatory Commission to complain **12378 to complain, or take the bank or insurance company to court and let the court make a judgment on the case.

Legal basisArticle 116 of the Insurance Law of the People's Republic of China An 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 insurance premium rebates or other benefits to policyholders, insureds, or beneficiaries 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.

After buying insurance, it is not as convenient as depositing and withdrawing; If you buy insurance and are still in the hesitation period, you should surrender the insurance as soon as possible, otherwise the loss will be greater if you return it after the hesitation period.

The "cooling-off period" refers to the fact that within 10 days after receiving the insurance contract (15 days for the bank's insurance channel), if the policyholder does not agree with the content of the insurance contract, the policyholder can return the contract to the insurer and apply for cancellation. During this period, the insurer agrees to the policyholder's application, cancels the contract and refunds all the premiums collected.

Cooling-off period surrender process:

1. After receiving the insurance policy, you must fill in the policy receipt in person, because the insurance company's determination of the hesitation period is calculated based on the date of receipt.

2. How to handle the surrender during the hesitation period and the documents to be prepared:

Application for cancellation of insurance contract.

Identity document of the policyholder.

A copy of the passbook of the personal bank settlement account in the name of the policyholder.

Invoice for the first premium for the policy (not required for the refund of the rider only or if it is an electronic policy).

The cavity can be raised to alarm treatment.

If the bank tells you and you sign the contract, there is no way.

For example, have you carefully read the things you signed?

If it is signed without your knowledge, the insurance contract will not be established.