睁一只眼闭一只眼就买成保险

睁一只眼闭一只眼就买成保险 据保监会统计显示，2013年全年，全国保险(放心保)监管系统共接到保险消费者投诉21361件，同比增长30.2%。 1、“理财答谢会”可以免费抽奖 你也许会经常发现自己的信箱中出现一种“领奖券”，一般印有“高级客户理财答谢会邀请函”等字样，还称会送上各种免费领取或者抽奖金条、飞利浦液晶电视、第五套人民币(小珍藏册)、IPAD电脑、“港澳游4天3夜浪漫之旅”等。 但是，天上没有免费的陷阱，等你到了现场就会发现，这其实是保险公司的产品说明会，你去了之后，会被留下个人信息、联系方式，被推销保险。而且只有当场签单买保险的人，才有资格参加抽奖。 参加完这个“答谢会”之后，你就期待被各种骚扰吧。 2、电话+上门双重“轰炸” 目前，一种新的伴随误导的保险销售模式，悄然出现在一些地区。这种新模式在业内叫“出车”。“出车”的操作流程大致是:保险营销员会在住户下班后的17:00至18:00点这个时间段，对一些社区的住户进行电话群打，询问是否买过保险，并要求进行保单回访或进行理财咨询。 有些保险营销员在群打电话后，不管住户是否答应，营销员之后会群体“出车”，进行所谓的上门服务。如果住户示，“已经电话里拒绝了，怎么还来呢,”营销员就会以“可能电话里听错了，况且公司要求对客户提供保单服务，put in place, the effectiveness in place. To the party organization as the basic form, in the standardized development of learning, make learning more effective efforts, and will adhere to the good party group, organized party, party members and the General Assembly, tell a good party lectures, can drive a good topic about it. Comrades, developing "two" study and education, significant and an important responsibility. Let us, under the strong leadership of the party, with a high degree of political consciousness and full political enthusiasm, carry out the "two" study and education, strengthen the party's construction for water conservancy reform and development efforts to provide a strong organizational guarantee, and strive to create a new situation of water conservancy development, XX for greater America, vitality XX, happiness XX and make due contribution! 2016 Township party general work report Communist XX County Organization Department: according to provincial, and municipal, and County on do Township general work of arrangements deployment and requirements, for smooth advance I town party general work, combined I town actual, now will I town party work report following: a, and past five years I town party work situation past five years, XX town party to party of 18 big spirit for guide, in County, and County Government of right led Xia, tightly around County, and County Government of indicates spirit, firmly grasp caught team, and with team, and General requirements for maintaining stability and promoting development, practical education event as an opportunity to party's mass line, unite and lead the broad masses of cadres in the whole town, insist on grasping party building around the development, relying on the work of party building and promote development, Strict implementation of the three Suns requires ten plenary session and provincial 来了就聊一会吧”之类的话语来糊弄住户。 据悉，相比于保险营销员可能自掏腰包召开产品说明会，“出车”更为经济，省去了礼品购置费和场地租赁费，而且由于均是个体行为，因而更为隐蔽，客户之间不容易互相询问交流，误导签单的成功率更高。 3、免费保险 几乎所有的人都有接到这种电话的经历，就是说只要你在电话里接受一个简单的市场调查，就能免费获得3个月的交通意外保险之类，保险金额动辄10万元。 而所谓的市场调查，即询问你的出身年月、家庭情况等个人基本信息，以及对保险产品的了解和需求，之前有无购买过保险，购买的是何种保险产品等。 据悉，的确有一些保险公司通过赠送保险与客户建立联系，达到后续推销的目的。赠送的保险一般是短期意外险，保费较低，市场价格大约十几元或几十元。但有些所谓免费赠送的保险是否真的存在却要打上一个大大的问号。因为很多所谓免费保险没有任何保单凭证，短信或者邮件提示。 而且，如果连保单号码都不知道，凭何激活保单,如果保单无法激活，那这所谓的免费保险，形同“空头支票”。 4、约定收益很高 据重庆保监局行政处罚决定书——渝保监罚【2013】140号，2013年7月，新华人寿保险重庆分公司工作人员廖某，在向投保人李某介绍公司旗下的“好利年年”两全保险(分红型)产品时，夸大保险产品的利益，称“持有保单10年put in place, the effectiveness in place. To the party organization as the basic form, in the standardized development of learning, make learning more effective efforts, and will adhere to the good party group, organized party, party members and the General Assembly, tell a good party lectures, can drive a good topic about it. Comrades, developing "two" study and education, significant and an important responsibility. Let us, under the strong leadership of the party, with a high degree of political consciousness and full political enthusiasm, carry out the "two" study and education, strengthen the party's construction for water conservancy reform and development efforts to provide a strong organizational guarantee, and strive to create a new situation of water conservancy development, XX for greater America, vitality XX, happiness XX and make due contribution! 2016 Township party general work report Communist XX County Organization Department: according to provincial, and municipal, and County on do Township general work of arrangements deployment and requirements, for smooth advance I town party general work, combined I town actual, now will I town party work report following: a, and past five years I town party work situation past five years, XX town party to party of 18 big spirit for guide, in County, and County Government of right led Xia, tightly around County, and County Government of indicates spirit, firmly grasp caught team, and with team, and General requirements for maintaining stability and promoting development, practical education event as an opportunity to party's mass line, unite and lead the broad masses of cadres in the whole town, insist on grasping party building around the development, relying on the work of party building and promote development, Strict implementation of the three Suns requires ten plenary session and provincial 后，就有50万至60万元，20年起码有80万元，38年满期有160万元左右”。 这种误导陷阱屡见不鲜。据悉，投资型保险收益预测一般分高中低三档，而部分营销员为了增强保险产品的影响力，在介绍产品时故意隐瞒中低档收益，只向消费者介绍高档收益，甚至介绍的收益比预定的高档收益还要高。也有部分营销员向消费者口头承诺收益。 而根据监管规定，目前的投资型保险产品凡是收益超过2.5%的部分都是不确定的。 5、是存款还是保险, 据广东保监局行政处罚决定书——粤保监罚【2012】67号，2011年8月4日，中国建设银行广东雷州支行客户经理陈小军在销售某寿险公司分红保险产品过程中，将银行存款收益与保险产品收益进行不当比较，“介绍了银行存款收益比这个保险产品的收益要低很多”。 事实上，将保险混淆成银行存款、理财产品、基金，是保险销售误导的常见手法，也是“存单变保单”的先决条件。部分营销员会在投保人到银行办理存款时，向投保人推荐保险产品，并将保险产品的投资收益与银行理财产品或定期存款进行简单对比，甚至将保险产品直接解释为“银行理财产品”，或违规自制产品说明书和投资协议，诱导投保人购买保险。 存款变保险，一般需要银行工作人员的配合甚至主导，隐蔽性非常大，所有大家一定要擦亮眼睛～ 6、保额分红和现金分红 put in place, the effectiveness in place. To the party organization as the basic form, in the standardized development of learning, make learning more effective efforts, and will adhere to the good party group, organized party, party members and the General Assembly, tell a good party lectures, can drive a good topic about it. Comrades, developing "two" study and education, significant and an important responsibility. Let us, under the strong leadership of the party, with a high degree of political consciousness and full political enthusiasm, carry out the "two" study and education, strengthen the party's construction for water conservancy reform and development efforts to provide a strong organizational guarantee, and strive to create a new situation of water conservancy development, XX for greater America, vitality XX, happiness XX and make due contribution! 2016 Township party general work report Communist XX County Organization Department: according to provincial, and municipal, and County on do Township general work of arrangements deployment and requirements, for smooth advance I town party general work, combined I town actual, now will I town party work report following: a, and past five years I town party work situation past five years, XX town party to party of 18 big spirit for guide, in County, and County Government of right led Xia, tightly around County, and County Government of indicates spirit, firmly grasp caught team, and with team, and General requirements for maintaining stability and promoting development, practical education event as an opportunity to party's mass line, unite and lead the broad masses of cadres in the whole town, insist on grasping party building around the development, relying on the work of party building and promote development, Strict implementation of the three Suns requires ten plenary session and provincial 分红型保险产品是人身险中的主打产品，在人身险的总体保费中占有70%以上的比重。 分红型保险的分红形式分为现金分红(保费分红)和保额分红两种。前者是比较常见的分红方式，即进入投资账户的资金，每年按投资收益情况，以现金的方式返还给投保人，这部分分红投保人既可以自行支取，也可以加到保费中继续投保。 保额分红是分红型保险中的另一种分红形式，这种分红不能直接支取现金，而是将投资账户中获得的收益自动转化成新的保费，以增加产品总体的保障额度。 目前，部分营销员在销售分红型保险产品时，会混淆保额分红和现金分红。投保人往往在保单生效数年之后，才意识到上当。 7、指定车险维修厂从中套利 据广州日报报道，车主陈先生驾车时与另一车辆发生碰撞事故，对方全责。肇事司机拨打保险公司电话后，保险公司要求陈先生到指定的4S店定损，但4S店要求开盖之后才能定损，且开盖之后就必须在这家4S店进行维修，否则就不按4S店的价格定损。 据悉，车险领域的陷阱主要体现为部分保险公司与汽车维修厂私下达成协议，将某家汽修厂确定为某保险公司指定维修机构或指定定损机构，从而在车辆损失查勘和维修过程中做手脚，虚报维修费用，从中套利，进而在车主第二年投保时增加保费。 根据规定，车辆出险后的维修应当由车主自主选择，保险公司只有查勘定损的资格，而无权指定车主到何处维修。 put in place, the effectiveness in place. To the party organization as the basic form, in the standardized development of learning, make learning more effective efforts, and will adhere to the good party group, organized party, party members and the General Assembly, tell a good party lectures, can drive a good topic about it. Comrades, developing "two" study and education, significant and an important responsibility. Let us, under the strong leadership of the party, with a high degree of political consciousness and full political enthusiasm, carry out the "two" study and education, strengthen the party's construction for water conservancy reform and development efforts to provide a strong organizational guarantee, and strive to create a new situation of water conservancy development, XX for greater America, vitality XX, happiness XX and make due contribution! 2016 Township party general work report Communist XX County Organization Department: according to provincial, and municipal, and County on do Township general work of arrangements deployment and requirements, for smooth advance I town party general work, combined I town actual, now will I town party work report following: a, and past five years I town party work situation past five years, XX town party to party of 18 big spirit for guide, in County, and County Government of right led Xia, tightly around County, and County Government of indicates spirit, firmly grasp caught team, and with team, and General requirements for maintaining stability and promoting development, practical education event as an opportunity to party's mass line, unite and lead the broad masses of cadres in the whole town, insist on grasping party building around the development, relying on the work of party building and promote development, Strict implementation of the three Suns requires ten plenary session and provincial 8、带病投保 据华商晨报报道，2010年7月，江苏青年林建荷购买了阳光人寿保险公司所出售的“阳光人寿财富”双账户终身寿险(万能型)。同时获赠了一份附加的重大疾病保险。两份保险的保障金额都是12万元。 事实上，林建荷此时因患急性肾炎和肾小球疾病刚刚出院，属于“带病投保”，正常情况下保险公司将不予承保。但是保险代理人项某仍然坚持出售了这一保险，并在保单中“是否患过肾病”一栏上选了否。当林建荷患病再次向保险公司寻求理赔时，保险公司以“带病投保”为由拒绝赔付。 事实上，部分营销员为了尽快出售保单，会诱导投保人在填写保单时隐瞒真实健康状况，甚至篡改身高体重等基本信息，但这种情况一旦出险，受损失的还是投保人。同样，投保意外伤害保险时，保险公司需要调查投保人所从事的职业，隐瞒职业同样也可能在出险后遭遇拒保。 9、代抄风险提示语 2012年10月，广东保监局对太平洋寿险广东中山支公司进行现场检查，发现太保寿险在个险和银保产品说明会上使用带有误导性的课件，并代替投保人抄写风险提示语。 根据规定，保险公司在销售环节除了应当向投保人出示保险条款、产品说明书和投保提示书，并对投保人以口头或书面的形式讲解风险提示语句之外，还要求投保人在投保单亲笔抄录风险提示语句并签名。以防止因销售误导造成投保人在不了解风险的情况下购买保险产品。保险营销员代抄风险提示语，以及代替投保人签名，都属于隐瞒风险提示的违规行为。 put in place, the effectiveness in place. To the party organization as the basic form, in the standardized development of learning, make learning more effective efforts, and will adhere to the good party group, organized party, party members and the General Assembly, tell a good party lectures, can drive a good topic about it. Comrades, developing "two" study and education, significant and an important responsibility. Let us, under the strong leadership of the party, with a high degree of political consciousness and full political enthusiasm, carry out the "two" study and education, strengthen the party's construction for water conservancy reform and development efforts to provide a strong organizational guarantee, and strive to create a new situation of water conservancy development, XX for greater America, vitality XX, happiness XX and make due contribution! 2016 Township party general work report Communist XX County Organization Department: according to provincial, and municipal, and County on do Township general work of arrangements deployment and requirements, for smooth advance I town party general work, combined I town actual, now will I town party work report following: a, and past five years I town party work situation past five years, XX town party to party of 18 big spirit for guide, in County, and County Government of right led Xia, tightly around County, and County Government of indicates spirit, firmly grasp caught team, and with team, and General requirements for maintaining stability and promoting development, practical education event as an opportunity to party's mass line, unite and lead the broad masses of cadres in the whole town, insist on grasping party building around the development, relying on the work of party building and promote development, Strict implementation of the three Suns requires ten plenary session and provincial 10、缴费期限和保险期限混淆 据金陵晚报报道，南京市民俞老先生于2013年6月购买了阳光人寿的“传家宝”少儿年金保险(分红型)，并将自己16岁的孙子作为被保险人。购买时，业务员介绍称该款产品每年交保费3万元，交满5年即可取出。但事实上，被保险人直到80岁才能拿到全部的本金和分红。当俞老先生的儿子发现时，早已过了保险犹豫期。 在俞老先生向保险公司投诉时，业务员建议其再投入3万元。但事实上，投入3万元只是提前缴纳了第二年的保费，并不能拿回全部本金。 在长期的普通寿险、分红型保险产品中，保费缴费期限和产品的保险期限并不一定完全相同。即使投保人按缴费期限缴纳了所有保费，也只是履行完了缴纳保险费的义务，保险合同的有效期仍然将持续数年甚至数十年，投保人此时若要提前支取，只能按退保处理，造成本金损失。但部分营销员在销售时混淆缴费期限和保险期限的概念，将两者混为一谈，告诉投保人连续缴纳几年后就能取出，致使投保人上当受骗。 文章来源于天天基金网，转载请注明。 put in place, the effectiveness in place. To the party organization as the basic form, in the standardized development of learning, make learning more effective efforts, and will adhere to the good party group, organized party, party members and the General Assembly, tell a good party lectures, can drive a good topic about it. Comrades, developing "two" study and education, significant and an important responsibility. Let us, under the strong leadership of the party, with a high degree of political consciousness and full political enthusiasm, carry out the "two" study and education, strengthen the party's construction for water conservancy reform and development efforts to provide a strong organizational guarantee, and strive to create a new situation of water conservancy development, XX for greater America, vitality XX, happiness XX and make due contribution! 2016 Township party general work report Communist XX County Organization Department: according to provincial, and municipal, and County on do Township general work of arrangements deployment and requirements, for smooth advance I town party general work, combined I town actual, now will I town party work report following: a, and past five years I town party work situation past five years, XX town party to party of 18 big spirit for guide, in County, and County Government of right led Xia, tightly around County, and County Government of indicates spirit, firmly grasp caught team, and with team, and General requirements for maintaining stability and promoting development, practical education event as an opportunity to party's mass line, unite and lead the broad masses of cadres in the whole town, insist on grasping party building around the development, relying on the work of party building and promote development, Strict implementation of the three Suns requires ten plenary session and provincial