Considering that the old couple will have a guarantee when they get old in the future, Mr. Shi took out an insurance for his wife.
In a blink of an eye, it is June of 20 19, 10. Mr. Shi took the insurance policy and went to the insurance company with great joy to fulfill his promise. Unexpectedly, the insurance purchased by Mr. Shi is not a ten-year insurance period at all, but a twelve-year insurance period.
If it is only delayed for two years, Mr. Shi doesn't care. The key is that the insurance principal cannot be doubled. After 12 expired, he finally got only 33,000 yuan. In this total, Mr. Shi lost 40 thousand yuan in dividends.
The original promise was shattered in an instant. What happened?
One day in September 2009, Mr. Shi paced back and forth at home, as if he had something on his mind. When his wife saw it, she asked him what was wrong. Hearing this, Mr. Shi sat down and said to his wife, "shall we buy insurance?"
The wife looked surprised and said, "every day on TV, insurance cheats money." Didn't you hear? Why buy that thing? "
Never giving up, Mr. Shi continued to persuade: "Those people were cheated because they didn't know the situation. I said something different. I specially asked someone to inquire, which is absolutely reliable. "
Seeing that his wife didn't talk, Mr. Shi continued: "Now we still have the strength to make money. What should we do when we are old? " Insurance insurance is to provide a kind of protection. Spend a little money when you are tired now, and enjoy it when you are old. "
The wife said impatiently, "What's the use of telling me?"
Seeing his wife's stubble, Mr. Shi said, "The name of this insurance is Geely, which is called dividend insurance. The term is ten years, but only five years, with an annual price of 6072 yuan. When it expires, you can get more than 60,000 yuan with interest, and you will get dividends every year. "
The wife is a little unbelievable: "Is it true? People can give you that much money for nothing? "
Mr. Shi quickly explained: "It's not for nothing. Insurance companies take our money to invest, and we deserve it. " Oh, don't worry, I asked around. "
I can't stand Mr. Shi's resignation, so my wife can only go with him. Mr. Shi took the money to the insurance company and took out an insurance policy. According to his request, his wife is the insured and enjoys all the benefits.
Since then, Mr. Shi has paid the insurance premium of 6072 yuan on time every year 10, and he is looking forward to taking it out with interest every day. During this period, Mr. Shi had heard of some insurance fraud cases many times, and he was worried at first.
"This money has been invested. Can you take it all out? " This kind of problem recurs in my mind. Whenever Mr. Shi remembered the scene when signing the contract, the salesman promised him with all his heart.
He comforted himself not to think. After the contract is signed, the insurance company in black and white can still cheat.
10 years passed, and one day in June on 20 19, 10, Mr. Shi estimated that the insurance had expired, so he came to the insurance company with the insurance policy to fulfill his promise.
When he explained the situation to the staff of the insurance company, he was told that he could not get the money. The reason is that the signing time is 12 years, and 202 1 was taken out. This surprised Mr. Shi and how the appointed time was delayed.
But when I read the contract, it really says "the insurance period is until 202 1 year1month". In this case, it doesn't matter if you wait for two more years. Anyway, you can get two more years of dividends.
In order to ensure that he can get the money then, he asked the staff: "How much can 202 1 get?"
The staff worked on the computer for a long time and told him that he could get more than 33 thousand yuan when it expired.
Mr. Shi thought the money was interest and dividends for more than ten years. He calculated, plus the principal is more than 60 thousand, almost. He asked, "Young man, isn't this money the principal?"
"Come on, why not. You can take 33 thousand yuan with interest, "the staff replied." "Hearing this, Mr. Shi was dumbfounded. You don't say! At the beginning, I explicitly promised that his principal could be doubled. Why didn't I recognize it?
Mr. Shi felt very wronged and asked the insurance company to give him a statement, but no matter what he said, the reply was "this is a contract."
In desperation, Mr. Shi, who was in a resentful mood, contacted a local program group and told his story truthfully, hoping that the program group could get justice for him.
After understanding the situation, the program group proposed to have a look at the insurance contract. The contents of the insurance policy are roughly as follows:
1. Name of insurance: participating endowment insurance.
2. Insurance plan: purchased in June 2009, with an annual premium of 6072 yuan. The payment period is five years, and the insurance period is until June 20021year. The basic insured amount is 30 thousand yuan.
3. Guaranteed income: (1) The basic amount of survival payment due is the sum of accumulated dividends. (2) The basic insurance coverage for death and disability is twice the total accumulated dividends; 10% of the basic insurance amount and the sum of the premiums paid for illness and disability within one year. (3) You can enjoy the actual operating results of insurance companies.
It can be seen from the second paragraph of Article 3 that only the insured dies or is totally disabled during the insurance period can he get twice the principal dividend.
In other words, Mr. Shi believes that only when his wife dies or is completely disabled can he get double the principal. If the wife is still alive, then this article will not hold, and he will never get the money.
According to the current situation of Mr. Shi's wife, he only meets the first and third items, that is to say, he can get the sum of the basic insurance amount and the accumulated dividend and enjoy the floating dividend of the insurance company.
As for "you can enjoy the actual operating results of insurance companies", there are actually many loopholes. Because the operating conditions of insurance companies are not stable. Operating in the market, there are losses and gains in itself, and it is impossible to lose only and not earn.
As for what insurance companies do with the money insured by customers, only insurance companies know. Before selling insurance, in order to gain the trust of customers, he will tell you to invest in railway, oil and government projects.
As soon as you hear it, it's all reliable projects. If you can make money, you put all your money in. But in fact, you can't perceive what you have done.
In this way, the insurance company has the final say on whether to earn or not, and the number of dividends given to you is also the final say of others, and the insured can only accept it.
According to the information provided by Mr. Shi, you can get more than 33 thousand after the insurance expires. The basic insurance amount is 30,000 yuan, which is 6,072 yuan per year according to Mr. Shi, and 30,360 yuan will be paid in five years. The basic insurance amount obtained is even smaller than the principal, 360 yuan.
The remaining 3000 yuan is the dividend paid by the insurance company to Mr. Shi on 12. In this way, Mr. Shi's principal of more than 30,000 yuan was used by the insurance company for 12 years, and finally he could only get 10% income.
If the money is deposited in the bank, the annual interest rate will be 5%, and the interest will be 12 years 18000 yuan. This is not as much as earning in the bank, and it is also angry with everyone.
The terms in the contract are unreasonable at first glance. Teacher Shi didn't notice it at first? How did he sign this insurance policy? In order to find out the truth, the program group accompanied Mr. Shi to the business place of the insurance company.
After Mr. Shi introduced himself, this insurance was recommended to him by an acquaintance. At that time, my friend said that the insurance period was ten years, and it could be doubled as soon as it expired, and this friend bought the same insurance himself.
Out of trust in his friends, he didn't think much, so he paid the money in a muddle. As for the contract, he said that his friend was present when he signed it, and everything was made clear to him. Because of his face, he was embarrassed to read it carefully and signed it.
Mr. Shi told the program group that the friend's surname was Wei, and the insurance company found Mr. Wei's insurance contract based on the information he provided. It's only been open for ten years.
The insurance company thinks this flaw is because Mr. Wei didn't explain it clearly to Mr. Shi at first. Now that Mr. Wei's insurance period is ten years, it is ok for them to change.
The fact is really the same as imagined. Did they sign the wrong contract in those years? The program group dialed Mr. Wei's phone.
Program group: "You must be Miss Wei. You introduced an insurance policy to Mr. Shi that year. Do you remember? "
Mr. Wei was silent for a few seconds and said, "Yes, what's the matter?"
The program group quickly said: "Teacher Shi told us that his insurance period was extended for two years. I just read your insurance record. You are ten years old. " Did you two sign it wrong? Do you remember? "
Mr. Wei said firmly, "no, no, mine is ten years." I don't know him, it depends on his contract. "
The program group continued to ask: "Teacher Shi revealed that when you introduced him, it was said that it had doubled in ten years. Is this true? "
Mr. Wei said categorically, "I didn't tell him it was impossible to double it." I told him that it was 1.9 times. "
The program group seemed to smell a clue and quickly said: "1.9 times, the principal of 30,000 yuan can almost receive 60,000 yuan." But Mr. Shi can only get more than 30 thousand at present What's going on here? "
Mr. Wei's tone is a bit helpless: "How much money he can get is not my decision. This is the insurance company's business. People can't give him that much money if they don't run well. Maybe now the insurance company has changed its mind. I can't tell you about it. After all, it wasn't left on paper for you. I may have exaggerated at first, but what I said orally can't count. "
The program group pursued the victory and said, "Then aren't you cheating? Mr. Shi also bought insurance because he trusted you. "
Mr. Wei's tone sounded a little angry: "How can it be a lie? This is written in black and white in the contract. How can he blame me if he didn't see it clearly? I didn't hold his hand and force him to sign. "
Mr. Wei is obviously a little excited. He insisted that Mr. Shi himself had not read the contract, which had nothing to do with him. He said he didn't want to communicate any more, and then hung up.
Things have come to a head. After all, Mr. Shi suffered such a big loss because he trusted his friends and didn't check the insurance contract properly.
If he had calmed down and had a good look at the contract, he could have found the problem in time and chose to surrender the insurance during the hesitation period of signing the insurance, so he would not have fallen into this result today. If I had put down my face and thought more about what my friends said, I wouldn't have lost my property.
Mr. Shi also regretted hearing his friend's reply, complaining that he should not be soft-hearted and listen to what others say. At this point, there is no better way than spending money to buy a lesson.
Of course, you can't just blame Teacher Shi for his carelessness. After all, Mr. Shi is the real victim.
His friend, Mr. Wei, is to blame, although he thinks he is only exaggerating verbally and there is no need to take it seriously. However, his remarks let Mr. Shi relax his vigilance. Mr. Shi signed insurance not because he trusted the insurance company, but because he trusted him.
When a person entrusted his trust to him, Mr. Wei failed to fulfill his obligation as a friend, not only failed to give him correct instructions, but also coaxed Mr. Shi with a high-sounding voice and made Mr. Shi sign the contract wholeheartedly.
In addition, the insurance company has the greatest responsibility. Due to the unreasonable requirements of the contract itself, the payment guarantee can only take effect if the parties are dead or completely disabled. If the insured knows this clause clearly, I'm afraid the insurance company can't sell a copy.
There is also the so-called floating dividend, which is just a bluff. As for how much money can be divided, there is no explicit provision.
In addition to the unreasonable contract, the insurance company failed to fulfill its responsibility to inform consumers of the real situation, which actually misled consumers.
It is cheating consumers to urge them to sign a contract without clearly understanding the insurance content, and they should bear corresponding legal responsibilities.
Having said that, everyone must think that buying insurance is a trap. Is there really no insurance at all? Not really. Many people, like Mr. Shi, are deceived because they don't understand the types and contents of insurance.
If you master certain knowledge, observe more and be more careful, you can not only listen to the verbal promises of salesmen and friends, but also buy appropriate insurance. In order to improve everyone's vigilance, here are some tips.
The meaning of insurance is nothing more than a guarantee. No one will buy insurance for no reason. Since there must be a reason for deciding to buy insurance, it may be to protect personal health or property safety.
No matter what the purpose is, we must first understand our own needs, and the right medicine can be effective. Before buying, you can consult a professional to find out what kind of insurance can solve your own problems, solutions, and basic conditions for insurance to take effect.
Don't listen to the verbal promises of insurance salesmen and friends at will, no matter how nice they say, don't accept anything that doesn't meet your needs. Have your own judgment.
Nowadays, society is changing too fast, and every day is the same. All kinds of new situations can happen at any time, so can the insurance industry.
Take accident insurance as an example. The accident insurance ten years ago did not include sudden death. However, due to the increasing number of cases of sudden death in recent years and the gradual decline of age, many insurance companies now include such cases in accident insurance.
Many insurance fraud cases on the Internet are mostly long-term insurance, not ten or five years. How many five years and ten years can a person waste in his life? Therefore, it is recommended that you shorten the insurance period as much as possible when purchasing insurance.
After buying it, it doesn't mean that it will go black all the way and never change again. Everyone should pay attention to social changes as much as possible, check the insurance at least once a year, keep abreast of the new changes in insurance, and replace it as soon as possible if it is beneficial to them.
Finally, we must learn to read insurance policies and insurance contracts. No matter how well the insurance salesman or friends tell you, don't believe these verbal promises. You can't trust them unless you really see these guarantees in the contract.
Many people may say that there are a lot of insurance contracts, and the dense legal provisions are a headache. Then you can make sure that some key information is correct, such as how long the deadline is, and you should understand it in a few years.
For example, the amount, payment method, and payment for several years are no problem. As for the promised income of the insurance company, you can ask him where the contract was returned and how to say it.
If it really doesn't work, you can find a professional lawyer to help you look at the contract. In short, you can't pay your signature before confirmation.
In order to protect the rights and interests of consumers, the state has promulgated relevant laws, stipulating that the newly issued insurance policy will give consumers a hesitation period, during which they can choose to surrender.
Therefore, everyone can make reasonable use of the hesitation period, think carefully about whether there is any problem with the insurance policy they signed, and put forward their own demands in time. Don't be careless, you will regret what happened.