Mr. Jin reflected that seven years ago, his wife bought an insurance policy for her daughter. Recently, they discovered that this insurance was different from what was introduced at the time.
Mr. Jin’s wife bought insurance from China Life Insurance Co., Ltd. The insurance policy shows that the name of the insurance type is "China Life Happy Life Supreme Edition Annuity Insurance ( dividend type)" , the insured is Mr. Jin's daughter, and the insurance period is lifelong. The date of contract establishment and is December 23, 2015, and the fee is paid once a year. The standard premium is 92,000 yuan, and the payment is due on December 23, 2025. He said that in the second half of this year, his wife went to collect the living allowance of the insurance, and found the problem after asking the staff.
Mr. Jin : "When I bought it, all their sales said that as long as they pay for 10 years, they will withdraw with the principal and interest. If there is no contract, we will not ask us to sign it. They say that there is a contract now, and they Said there is a contract, I said you give me the contract, he said we can not give you the contract. We have not seen the contract, we have not signed the contract. In the year , it will be time for payment in the second half of this month. He wanted to find out what the hell was going on. I found the Customer Experience Center of China Life Hangzhou Branch, and after some communication, relevant staff from Gongshu Branch rushed to the scene.
Staff of Hangzhou Gongshu Branch of China Life Insurance Co., Ltd.: "If you have any questions, we will record them, and we will give feedback together at that time." out reply. After the reporter came back, he checked the official website of China Life Insurance Co., Ltd., which contained the "China Life Happy Life Supreme Edition Annuity Insurance (Participating) Interest Clause". Article 4 insurance liability states that during the insurance period of this contract, the company undertakes the following insurance liabilities: 1. Caring for annuity , starting from the corresponding day when the fourth year of this contract becomes effective, if the insured survives to the end of this contract On the date corresponding to the effective date of the year, the company pays the caring annuity every year according to the following regulations. 2. Death insurance benefit If the insured dies on the day when this contract takes effect (or reinstatement), the company will pay the death insurance benefit according to the insurance premium paid (without interest), and this contract will be terminated.
China Life Insurance Co., Ltd. telephone customer service : " is currently out of sale. Customers who choose to pay for 10 years and then pay for 10 years only refer to 0 .Insurance guarantees the life of the insured, and the refund will start from the fourth policy year when the contract takes effect. If the customer wants to pay the full amount, terminates the contract in advance, and it will be handled as the surrender of the insurance . "
This The understanding of Mr. and Mrs. Jin's couple is obviously different. The key point is how the salesperson introduced it 7 years ago, and whether there was any corresponding contract material for Mr. Jin's wife. Later, China Life Insurance replied that the customer's insurance policy was bought at the agency channel bank, and the electronic contract can be downloaded. The insurance policy has cash value, and there is a loss when surrendering the policy. According to the current investigation and verification data, cannot satisfy the customer's demand for full surrender of the policy. At present, the case has been submitted to the court, and the company willcan't solve it.
