It s not harmful to sell insurance like this! Is there a hole in the insurance company s sales to me

It's not enough to deceive, maybe you didn't pay attention to the specific terms when you signed the contract. It is not a problem to get the principal back at maturity. If you surrender the policy, there will definitely be a significant loss, so it is not recommended that you surrender the policy. Let's just think 25,000 is frozen. At least the money will not be less.

In the future, remember to buy insurance to ask clearly before buying, now many salesmen are very immoral, only for the purpose of selling goods, ruining the image of our industry.

All insurance is the same, but the salesman should tell you how many years after which you will not lose money when you surrender the policy.

After the cooling-off period, surrendering the insurance will not refund the money you paid, but the cash value generated by your insurance, which will grow with compound interest or generate dividends, and exceed the premium you paid for a certain period of time, which is the essence of principal repayment.

The insurance company does not surrender the policy in full, because this is a commercial contract, and the surrender is equivalent to a breach of contract, because the insurance contract requires quite complex procedures to maintain, and the funds of the previous policy have not yet been used maturely, so when the insurance company surrenders, it is very troublesome for the insurance company to destroy the corresponding procedures, and the injected funds are withdrawn, so it will not be refunded in full.

Well, deceitful. It's better to go back.

1. The pit of human affection.

People who buy insurance for the first time often don't know much about insurance, and most people believe in the insurance products that relatives and friends have purchased, or find the insurance person they know to buy insurance products for themselves. The products purchased by these users may not be out of their real risk protection needs, but blindly purchased, and the consequence may be that they accidentally jump into the pit of human affection and fail to achieve the purpose of protection.

As we all know, insurance products are different from ordinary commodities, and they can only play their role when they are really out of danger.

2. Brand pit.

Some people pay more attention to insurance companies and think that the products of big brand insurance companies must be reliable. In fact, there are certain drawbacks to such an idea, the scale of large brand insurance companies is large, the company's operating costs are high, and the insurance design and operation model are more stable, which does have its advantages, but the purchase of insurance products can not only look at the company's brand, the products of large brand insurance companies may be higher, and they may not be suitable for themselves.

3. Income pits.

Insurance is a kind of financial products, especially annuity insurance products, which are often used by users as a tool for wealth planning and management. Some people pay more attention to the amount of annuity due and think that the higher the better. In fact, this is also a pit.

The main role of insurance is protection, and the demonstration income of annuity and universal insurance is often a demonstration made by insurance companies for the convenience of users, and cannot represent the actual situation. When users purchase such insurance products, it is recommended to proceed from reality, pay attention to the protection function of the product, and do not blindly believe in "demonstration benefits".