People's Finance and Economics 丨 About Lifetime Life Insurance, these misleading behaviors should be paid attention to

Lifetime life insurance refers to life insurance that takes the insured as the insurance condition and the insurance period is the life insurance period. The so -called increased life insurance is a lifelong life insurance that has appeared in the market in recent years. The reporter learned that some insurance marketers currently have misleading publicity when selling such products, and consumers should be vigilant.

(1) The insurance growth rate is not investment yields

"3.5%of the incremental life insurance compound profit" is a often discourse in some sales promotion, and some consumers have been deceived because of trust.

The relevant person in charge of the China Ectulation Association said that the "3.5%" in the propaganda language is not the investment yield, but the growth rate of insurance. The insurance amount of life insurance refers to the amount of insurance that the beneficiary can receive when the insurer or full disability. Under the same conditions such as insurance premiums, the annual life insurance that increases the annual increase in the annual insurance amount is low in the first annual insurance amount, and it is far lower than the annual insurance life insurance that remains unchanged. The concept of insurance growth and investment income is very different, and consumers must improve their recognition.

(2) The main function of life insurance is insurance protection

In some insurance marketers, when promoting the increase of life insurance, they often crowned them in the name of "first choice for financial management" to induce consumers to buy.

The reporter learned that the main function of incremental lifelong life insurance is to provide death or full disability protection, and there are fewer pension and savings. If insurance consumers want to buy insurance products to meet the needs of pension and savings, they should choose products with more matched functions.

The Consumer Rights Protection Bureau of the Banking Insurance Regulatory Commission reminds consumers that some insurance marketers will increase their lifetime life insurance product -like wealth management products in their sales propaganda, ignore their guarantee functions, and simply make simplicity with other financial products such as bank deposits and national debt interest rates. In contrast, misleading consumers can easily cause claims disputes or surrender disputes.

(3) Increased life insurance is not "stable and not compensation"

When some insurance marketers have a lifelong life insurance, they verbally promise to "make stability and make money" to the insured, and lays hidden dangers for consumers' claims.

The relevant person in charge of the China Ectulation Association said that the increase of life insurance for life insurance is not "stable and not compensation." According to incomplete statistics, if the insurance will be surrendered in the first year after the insurance, it will lose 10%to 60%of the premiums; if the insurance will be surrendered in the 20th year, the yield will be between 2%and 2.5%. When buying insurance products, consumers should not follow the trend blindly. We must carefully understand the underwriting agencies, the scope of protection, the divisions of the responsibility, and the conditions of insurance compensation for the purchase of insurance products. Choose products that are suitable for their risk tolerance and economic strength.

In response to the problems in the development of life insurance business, the person in charge of the relevant departments of the CBRC stated that it will timely study and judge the situation. Essence (Reporter Tan Mo Xiao)

[Editor in charge: Shi Ge]

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