Chinese life insurance, said to return the principal at the age of 35, how can the contract become 8

Chinese life insurance, said to return the principal at the age of 35, how can the contract become 80 years old? Recently, when a certain Ms. Liu participated in the Chinese Life Insurance Insurance, she found that the insurance information introduced by the salesman was different from the contract content he actually sawThe contract that was promised to return the principal at the age of 35 became 80 years old.

According to the conversation between the policyholder and Ms. Liu, we can find that Ms. Liu originally thought that she was 60 years old to return the principal, but when she read the content of the contract, she found out that she was 80 years old, and he thought that there was a problem with the insurance company's propaganda, and the salesman said that the problem Ms. Liu asked was when the child reached the age of 30. How much money can be withdrawn with interest, then the money is operated by the company, and they can't decide how much they can withdraw.

In this case, we can see that at the time of enrollment,In other words, when you want to sign a contract when you need to participate in any of your own participation, you must look at the content of the contract when signing the contract, and don't sign it directly, otherwise it may cause loss of personal property or because the content of the contract is not consistent with the understanding, resulting in information asymmetry.

So it's important to remember. After reading the contents of the contract, decide whether to sign the contract or not, otherwise, the insurance company will only perform according to the contract, not according to the content of the oral agreement he told you. For the salesman, it doesn't decide how much to take.

Therefore, when signing any contract, you must remember to read the content of the contract, and check the content of each item of the contract to see if it is the same as what you know. You must not sign a contract directlyIt is necessary to protect the property and safety of individuals.

This case of Chinese life insurance, we can say that it is a warning to us, we must do a good job in the relationship between individuals and companies, we must not be deceived by these so-called insurance and publicity information, we must correctly handle the information, and correctly treat the content of the information to us.

Chinese life insurance, said to return the principal at the age of 35, how can the contract become 80 years old?

When I saw this question, I was also taken aback. I didn't expect to return the principal at the age of 35, but it was delayed to the age of 80. I guess this matter is not as simple as we think, and there must be some specific problems in it.

Now I'm going to talk about the reason for this matter: <>

Ms. Liu, from Siping City, bought a commercial insurance policy for her son. When I bought insurance, I made an agreement with the salesman. At that time, when the salesman introduced him, he said that as long as he paid 10,000 yuan in the early stage, he would wait until 5 years later.

By the time his son is 35 years old, he will receive two or three hundred thousand yuan. It's really heartwarming to think about this kind of news now, because after all, this thing is much higher than the interest rate in the bank.

And in this way, his income will be very high, and he can get two or three hundred thousand after 5 years, which is really very desirable. But high returns often mean high risks. But considering that this is a salesman of Chinese Shou, this lady did not think too much about this problem.

Thinking that he could earn two or three hundred thousand yuan in 5 years, he went to the company to sign the contract, and did not carefully read the specific content of the contract when signing the contract.

During these five years, he paid money every year, and always thought that he could get some high income after five years. By the fifth year, he thought he could get two or three hundred thousand. As a result, I went to inquire and found that I couldn't get two or three hundred thousand yuan until I was 80 years old.

Hearing the news, the lady was furious. I can't wait to find out the salesman right away to find out the situation. Because after all, it was the salesman who gave him a guarantee, so he wanted to find the salesman to see what kind of statement he could give.

But I don't know if it's the salesman, because it's been 5 years, and he's quit. I have changed jobs and no longer work as a salesman in Chinese Shou. So the salesman couldn't help the lady deal with the problem either.

Speaking of which, this lady has no other way but to defend her rights in this way.

I think if it's really like what the lady said. It shows that this salesman does have some problems when doing business. Instead of showing the most basic situation to his customers, he deceived them into trusting them through false means.

I don't think that's a good idea. <>

But what I heard from the mouth of this lady was, after all, one-sided. What is the specific situation, it is still necessary to go through many parties to deal with the symptoms before the results can be obtained. In short, I would like to remind you here that you must be cautious when making investments, and if you don't handle it well, you may suffer property losses, so you must think carefully before making investments.

Otherwise, the losses you will suffer will be unbearable.

Insurance this thing is really, insurance will not deceive people, but it does not mean that the insurance ** people do not deceive people, just yesterday Friday's regular meeting shared: it was a department manager with two directors, originally to go to the customer's home to assist in handling claims and complaints, but the result of the situation immediately set up a bureau, the customer listened to the words of the person to withdraw the complaint first, and then let the customer buy another financial insurance, the process is very tacit, the performance is very exciting. The triumphant sharing of the three is perfect**.

Not to mention ordinary customers, even salesmen may also be compliant!

I feel that Chinese Life is a very big company, but the people inside may be to let others buy insurance and then exaggerate, causing this Ms. Liu to be deceived, so when signing the contract, you must check the terms very carefully to avoid being deceived.

When we buy insurance, we must look at the contract, because many insurance contracts are clearly marked, but the people who sell insurance are sometimes unprofessional, which will cause such a situation.

The key is who "said yes" to you when you bought it, 35 years old?

If it's the guy who sold you insurance, it's to go to him.

The contract is written in black and white, friend? It should still be clear how old it is.

This is the same as the current bank financial losses people are not used to, in the past, rigid payment, never look at the contract to buy things, now the state does not allow it, to "the seller is responsible, the buyer is responsible", only to find that it is not adaptable.

Therefore, the question you asked is wrong, the contract cannot be changed, it has always been there, it is my own laziness, and I pinned such a rigorous thing on the mouth of the ** person when I bought it.

Some salesmen of life insurance companies are **, I bought the dividend insurance for my children, saying that I can receive the principal after ten years, but I will not be allowed to receive the principal in 14 years, I am angry, and I will not be on the insurance company in the future!!

It's a lie, I bought the kind of insurance of 6 million, pay more than 1,000 a year, it's consumer-based, I got sick this time and asked them if they could report it, and they started to do this and that.

It is because the internal personnel of Chinese Life have privately renewed the insurance for customers, so this result has been caused.

If the acquaintance is not professional, he doesn't know if he is wrong, and the loss is ourselves.

10,000 yuan per year, a total of 50,000 yuan after 5 years, it is possible to get back 50,000 yuan, and it is possible to get back 200,000 or 300,000 yuan with knees?

Once you pay the money, you won't be in charge! Big**! This is China's insurance company!

I've almost been deceived by you, alas! Chinese life is not authentic!

What kind of insurance, deceiving people, fooling people, I was deceived miserably!

Didn't understand it yourself when you applied for insurance? Didn't you read the contract carefully?

Reason with commercial insurance, you think too much!

Believe the insurance company, then you are not far from death.

Aren't you the one who pays for insurance?

The premiums you pay will become the cash value (available upon surrender) after deducting the initial charges and protection costs, and the insurance company will distribute you annual dividends according to the fixed proportion of the cash value, and the accumulated cash value will be accumulated by the insurance company at an interest rate.

If you are not a fixed-term product, if you want to get back the cash value after a certain number of years, it means that the policy is surrendered, which means that the total premium may not be equal to the cash value. Eggplant beats.

Generally, the return type product is 2 years back once or 3 years back once to life, if it is a whole life insurance, there is no contract expiration, unless it is surrendered, then it is to take the cash value of the money and dividends. If the insured dies, the beneficiary can get the sum insured plus dividends.

If it is a return type, it is returned to life, there is no return of the principal, only every 2 years or every 3 years to return the very red, return your principal to you a little bit, if you can only surrender the policy in the middle of life, Ping An now has a return type is returned to the age of 80 every 2 years, and then double the dividend of ten Qin Qing will be paid at the end of the year.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Xueba talks about insurance, focusing on insurance evaluation! Critical illness insurance cannot be bought casually, it is necessary to choose carefully according to the demand, and try to avoid the occurrence of economic losses caused by surrenderTop 10 [Not Worth Buying] Critical Illness Insurance Points!

After the age of 60, Chinese people can only return the full amount of insurance if they buy insurance after the age of 60, and only return the cash value during the hesitation period.

Many people buy insurance casually, and in the end regret that they want to surrender the policy. Then don't be sloppy in surrendering, before surrendering, it is recommended to read this article before decidingHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few key points, Huai Xi briefly said.

Surrender is often accompanied by financial loss, except in one of the following two cases:

1.Cooling-off period surrender:There is usually a cooling-off period for insurance, between 10-15 days, which is different for each product, and there is usually no loss if you choose to surrender the policy within this time period;

2.Sales misleading:If the insurance purchased before was signed under the non-standard operation of the salesman, and the signature in the insurance contract that made the contract effective was not signed by the person, there is a great chance of getting back all the insurance fees paid.

If the situation does not match these two and the loss of part of the money is unavoidable, we should choose a way to reduce economic losses at this time, such as choosing to reduce the amount of payment:

That is, it does not ask for a refund, but uses the current cash value of the wild leak as a premium to pay, how much can be insured, and no more payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This method reduces the loss compared to surrender, but it does not mean that every product can use this method, and it can only be implemented after confirmation by the insurance company.

In addition,These are also key situations for surrender:

It is best to choose to cancel the insurance after the waiting period of the new insurance has passed, and try to avoid the lack of protection in the middle of the process.

2.Health Status:If you already have certain health problems, the chances of getting a health notification through the new insurance are not so high, so if you still surrender the policy, there is a risk of missing coverage, so it is not recommended to do so.

3.Payment card balance:If the determination to surrender the policy will not waver, it is best to take the money from the bank card where the premium was paid, so that there will not be a situation where you apply for a surrender but are deducted when the payment period comes.

Regarding the surrender, there are many details that need to be paid attention to, I will not list them one by one here, this article is very detailed, share with you".What are the details to pay attention to when surrendering an insurance policy? Hope!

This form of insurance design is generally with both responsibilities or a type of savings insurance, which depends on the terms of your insurance product, and it is not good to rely on your simple description to finalize. For example, the current hot-selling education insurance, the insurance age is 30 days old - 12 years old, the payment period is a single payment, 3 years, 5 years, and the insurance period is until the insured reaches the age of 22.

For example, a 6-month-old baby, his mother pays an annual fee100 thousand, continuous payment3 years, co-sex300,000, that's where he is18-21 years oldYou can get it every year50,020 yuan, 4 years togetherYuan, wait for him to be full22 weeksWhen you are old, you can receive it again$450,000, a total of received$650,080.

This money can be used for continuing education**, or it can be set aside for the start-up of a business**, etc., after the accumulation of time, the original 300,000 has become 650,000, and these benefits are written in black and white in the contract.

The following documents need to be prepared for surrender of life insurance:

Application for termination of contract;

insurance contracts; Proof of the policyholder's legal identity.

There are two types of surrender:

Cooling-off period surrender:

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.