Take the case to the risk
1. The gist of the case
Consumers should raise their awareness of risk prevention, and do not believe in the surrender of the black market, which damages their own rights and interests.
2. Case introduction
A life insurance customer purchased a life insurance pension product through ** sales in 2018. In June 2023, the customer received ** and was told that the pension product he purchased was in abnormal condition, and the insurance income was exaggerated, and the product terms were unreasonable, so he could help surrender the insurance policy and hold the insurance company responsible. The customer was not clear about the specific terms at the time of purchase, and the salesman did not explain the terms in detail, so the customer was suspicious of the pension product. As a result, the customer immediately went to the life insurance outlet for consultation and requested immediate surrender of the policy. The staff understood the reasons for the customer's doubts, explained in detail the terms of the customer's insurance products on the spot, and also informed the possible losses such as early surrender, and reminded the customer not to trust unknown people, so as not to damage their own interests. After explanation, the customer agreed with the company's product guarantee and dispelled the idea of surrendering the policy.
3. Case analysis
The black industry surrender is an organized and purposeful "black industry chain", which makes money by misleading or instigating insurance customers to surrender their insurance policies abnormally, maliciously slandering insurance companies and their products to customers, and making money by earning premium differences. The surrender of the black market** seriously damages the legitimate interests of customers and causes huge economic losses to insurance companies.
4. Case enlightenment
Insurance consumers should carefully understand the terms of insurance when applying for insurance, and should not trust non-financial practitioners. Insurance companies should strengthen risk prevention publicity, pay attention to protecting consumers' right to education, and enhance consumers' awareness and ability.
Contributed by: Zhongshan Central Branch).