Avoid Sales Misleading &Nbsp; Pay Attention To Telephone Return Visit.

In early 2010, Ms. Lin went to the bank for regular deposit. Bank Li recommended to him a bonus insurance product. Li said that this product can guarantee 10% of the dividends annually, which is more cost-effective than deposits. Miss Lin thought that her child was going to college soon and needed money urgently. Since the benefits of this insurance product are guaranteed and higher than bank deposits, funds for storage are insured for the dividend insurance products.

A few days later, Ms. Lin received an insurance company. Return visit Telephone. The telephone return personnel inquired one after another about the sales process and the key points of the contract. When the visitor asked, "the bonus distribution of your purchase of the bonus risk is uncertain, the demonstration of high, medium and low dividend payment is a hypothetical and does not represent the actual income in the future. Is this clear?" Ms. Lin knew that "10% of the annual revenue can be guaranteed" which is not in conformity with the actual situation. However, the telephone return personnel also told Ms. Lin that she had 10 days of hesitation from the date of signing the formal insurance contract. During the period of hesitation, she can choose to surrender, and the insurance company only charges 10 yuan. So Ms. Lin chose to surrender during the hesitant period.

The situation in this case is typical sales misdirection. Insurance salesmen like to use various attractive income and after-sale service conditions to attract consumers, and consumers are not easy to sign insurance policies. At present, under the supervision of Beijing Insurance Regulatory Bureau, the Beijing Insurance Association has specially formulated "sales emphasis language" and "new single return visit basic language". It is required that insurance salesmen should use "sales emphasis" when introducing, recommending and selling insurance products. They will inform the customer of their misleading problems such as insurance liability, hesitation period, loss of surrender, and uncertainty of earnings.

If the consumer is not clear about the insurance sales process and signed the policy, then the relevant provisions can be further understood through the subsequent telephone return visit. Beijing insurance regulatory bureau asks insurance companies to use new bills. Return visit Reaffirming the sales process and key points of the contract. If there is some information in the telephone return visit is not willing to re insurance, then consumers can exercise the right of unconditional surrender within 10 days of hesitation, cancel the policy.

At the same time, insurance experts say that telephone return is an important part of protecting the rights and interests of underwriters and insurance clients. Some consumers, when they receive the phone call from the insurance company, consider it an insurance product selling phone, so they are unwilling to answer or hang up the phone hastily. When consumers receive insurance calls, they must listen patiently to the staff to explain the relevant provisions. Any doubt should be directly reflected to the staff. Do not reply to "know", "know" or "accept terms" just because they are troublesome. Because these answers are likely to be relevant vouchers for future claims disputes.

The insurance consumers can understand the industry through the "Beijing insurance information service platform" Sale The basic contents of expressions and return words, and when supervising the purchase of insurance products, should be used to monitor whether the other person uses the sales emphasis language. If there is any violation, complaints or reports can be made.