China Insurance Regulatory Commission once again reminded consumers to prevent the sale of bancassur-cagliari exchange

CIRC to remind consumers to prevent misleading sales bancassurance products recently, some media reports of deposit policy change, financial products change insurance "occurs, the individual bank insurance sales staff in the introduction of financial products deliberately avoid product risk, the fuzzy nature of the product, exaggerated product revenue, induced by financial consumers buy insurance products, to financial consumer inconvenience or even loss, disrupting the financial management order, damage the reputation of the insurance agency. The Insurance Consumer Protection Bureau of China Insurance Regulatory Commission once again reminds the financial consumers to take precautions against risks in dealing with related businesses. One should be vigilant, a detailed understanding of the sales staff to buy properties of products, to distinguish the product in the end is bank deposits or insurance; two to make a reasonable assessment of their own needs, to choose the right financial security or the actual situation and needs of the family financial situation; three to read the contract carefully, carefully read the terms of the insurance contract, pay particular attention to the cover of the prompt risk insurance and the insured amount, guarantee liability, liability exemption and other parts, be aware of. If a consumer mistakenly purchases an insurance product for more than one year in a bank, he may apply for surrender in the "hesitant period", or in the "hesitant period", the customer service staff calls to ask whether the surrender is made when the complaint is returned. "Hesitation period" for the insured to sign the insurance contract 15 natural days. Enter Sina Financial shares] discussion

保监会再次提醒消费者防范银保产品销售误导   近期,部分媒体报道“存款变保单”、“理财产品变保险”的情况时有发生,个别银行保险渠道产品销售人员在介绍理财型产品时刻意回避产品风险,模糊产品性质,夸大产品收益,诱导金融消费者购买保险产品,给金融消费者造成了不便甚至是损失,扰乱了金融管理秩序,损害了保险机构的声誉。   中国保监会保险消费者权益保护局再次提醒广大金融消费者,在办理相关业务时注意防范风险。一要提高警惕,向销售人员详细了解欲购买产品的性质,区分清楚该产品到底是银行存款还是保险;二要合理评估自身需求,根据家庭实际情况和财务状况选择合适的理财方式或者保障需求;三要认真阅读合同,仔细研读保险合同条款,尤其注意保单封面的风险提示语和保险金额、保障责任、责任免除等部分,做到心中有数。消费者如在银行误购买一年期以上的保险产品,可以在“犹豫期”内主动申请退保,或在“犹豫期”内客服人员致电询问是否反悔时提出退保。“犹豫期”为投保人签订保险合同15个自然日。 进入【新浪财经股吧】讨论相关的主题文章: