Women were tricked into buying insurance contracts for a period of 104-year-contract, insurance-IT information
On September 17, Liu Street first reflected in June 2011, she bought in agricultural Bank of China life insurance company limited (hereinafter referred to as life insurance) is an insurance product, selling insurance products to Liu said Liu after pay 20,000 yuan a year for 5 consecutive years, could take 100,000 of principal and bonuses. Provide contract Liu showed that insurance contracts for more than 104 years, June 7, 2115 to the expiration date. Recently, she wanted to get back the principal has paid 100,000 yuan, but life insurance told Liu can remove only 98,000 yuan. Xicui Road branch of agricultural Bank of China admitted Liu purchased is the result of the agent's insurance products. Life insurance Beijing branch account manager told the street first before reporters, Liu is currently trying to get back all the principal belongs to surrender only according to the current cash value of the insurance products for a refund, so it is not a full refund.
Bank deposits were persuaded to purchase insurance products
Liu said, in June 2011, with 100,000 yuan to her home near Wan shou Road branch, agricultural Bank of China (later moved to West Hill Road branch) to save money. After the Bank, Liu said that to save money, a look more than 30 year old woman came forward to introduce life insurance an insurance product, called the insurance higher returns than bank deposits. The woman said, she simply to pay 20,000 yuan a year, 5 years in a row and then take out the principal and income, "she said I was the only paying 20,000 and 80,000 left in the hand can also put it in the Bank, can make money on both sides. ”
Liu recalled, when to introduce insurance products, staff and Bank staff that the woman is taken to the VIP room of the Bank for their products, as well as the calculation proceeds, "she said after 5 years of expiry of the payment, is able to retrieve both principal and dividends." Ms LAU said she was handling in the Bank's business and personal insurance investment policy is built on "Wan shou Road branch, agricultural Bank of China", "because I trust banks bought the insurance product".
As of June 2015, Liu has been 5 for years, a total of 100,000 yuan. After the last payment date, she received calls from life insurance Beijing Branch staff, the other said Madam Lau led to company gift. Ms LAU said she had been prepared to take out 100,000 yuan of principal, but when the company proposed the idea, said Liu in another 5 years to get back the principal, and urged them to continue to buy the company's insurance products, Liu didn't agree.
On September 17, while communicating with the life insurance company Beijing Branch, Ms LAU, said that, if Ms LAU must take the money, now get only 98,000 yuan, Liu indicated that they could not understand why the 100,000 yuan in insurance company for six years, but now even the principal taking out, also set in 2000.
Insurance period of 104 years currently taking principal for surrender
Street first before reporter Liu provided in the insurance contract, insurance life Red Red f on endowment insurance (participating) and additional gold steward of life annuities (universal type), the insurance contract date to June 8, 2011 expiration date is June 7, 2115.
Ms LAU said, was to introduce insurance products after say 5 years to get the principal and income, he believes that the contract for a period of 5 years; life insurance last year, Beijing said would take another 5 years to get back the principal, thought signing 10 contracts; but after coming home a closer look only to find contracts for 104 years. Liu said, "this is so insane, into when I was 38 years old, how can live 104 years, my son won't benefit, to wait for grandchildren. ”
Reporter Liu family identity when life insurance Beijing branch account manager surnamed Xu, said that he, Liu now wants to collect 100,000 yuan of principal and not worthwhile, because of their poor short-term benefits, advise the customer to set aside as a retirement. If Ms LAU is determined to get back to the principal, belonging to the early termination of contract violations, according to the contract, only according to LAU in the cash value of the insured amount for the current for the refund. When Liu can get 100,000 yuan to the principal issue, Mr Xu said he did not know, requires the actuary of the company calculated by day of the termination of the contract the operation of the company.
Bank admitted that its products
On September 17 xicui Road Street first before reporters came to the agricultural Bank of China Branch, the Branch Manager said, she purchased product is Wanshou Road branch products, but why the agent for the product, he said this permission are not in banking, don't really know the details of the insurance product. On September 17, a self-proclaimed Wanshou road Branch staff reporter on the phone and says banks are simply agents of the insurance product, insured to get back the principal needs and contact the insurance company.
Street first before a press conference in the Hall of the xicui Road branch of the agricultural Bank of China bulletin see the branch's current insurance products including China life, ABC life, anbang property 3 insurance companies 7 products, xicui Road branch account manager, teller, Assistant Manager with insurance sales staff qualification.
女子被骗买保险，合同期为104年 - 合同,保险 - IT资讯
9月17日，刘女士向前街一号反映，2011年6月份，她在中国农业银行购买了生命人寿保险股份有限公司(以下简称生命人寿保险)的一款保险产品，当时向刘女士推销保险产品的人称，刘女士连续5年每年交纳2万元后，能取走10万的本金和分红。刘女士提供的合同显示，保险产品合同期长达104年，2115年6月7日为合同期满日。近日，刘女士想取回已交纳的10万元本金，但生命人寿保险方面告知刘女士只可取出9.8万元。中国农业银行西翠路支行承认刘女士购买的产品是其代理的保险产品。生命人寿保险北京分公司一客户经理告诉前街一号记者，刘女士目前要取回所有本金的行为属于退保，只能按当前保险产品的现金价值退款，所以无法全额退款。
银行存款被说服购买保险产品
刘女士称，2011年6月，她拿着10万元去家附近的中国农业银行万寿路支行(后搬迁至西翠路支行)存钱。到了银行之后，听刘女士说要存钱，一名看起来三十多岁的女子上前向其介绍生命人寿保险的一款保险产品，称此款保险产品收益要比银行存款高。该女子介绍称，刘女士每年只需交2万元，连续交5年后即可取出本金和收益，“她说我当年只用交2万，手头里剩下的8万还可以存到银行，两边都能赚钱。”
刘女士回忆，当时向其介绍保险产品的工作人员穿着和银行工作人员一样，该女子将其带到银行贵宾室为其介绍产品，还为其演算收益，“她当时还说5年缴费期满后，就能把本金和分红都取回来”。刘女士表示，她是在银行里办理的业务，并且个人保险投保单上盖的是“中国农业银行万寿路支行”的章，“因为信任银行我才购买了这款保险产品”。
截至2015年6月，刘女士已连续缴费5年，共计10万元。去年缴费日期过后，刘女士接到了生命人寿保险北京分公司一工作人员打来的电话，对方称让刘女士到公司领赠品。刘女士称，她原本准备顺便把10万元本金取出来，但到了公司后提出该想法时，工作人员称要再过5年刘女士才能取回本金，并劝其继续购买该公司保险产品，刘女士没有同意。
9月17日，刘女士与生命人寿保险北京分公司沟通时，对方表示，如果刘女士非要取钱的话，现在只能拿到9.8万元，刘女士表示不能理解，为何10万元钱在保险公司放了六年，如今却连本金都取不出来，还要搭进去2000元。
保险期限104年目前取本金为退保
前街一号记者在刘女士提供的保险合同中看到，保险险种名称为生命红上红F款两全保险(分红型)和生命附加金管家年金保险(万能型)，保险合同生效日为2011年6月8日，合同期满日为2115年6月7日。
刘女士称，当时向其介绍保险产品的人说5年后能取回本金和收益，自己就认为合同期限为5年;去年生命人寿保险北京分公司的人称要再过5年才能取回本金，就以为是签了10年合同;但回家后仔细一看才发现，合同竟然长达104年。刘女士说，“这太荒唐了，入保时我38岁，怎么可能再活104年，我儿子都受益不了，得等到孙子了。”
记者以刘女士家人身份联系生命人寿保险北京分公司一徐姓客户经理时，对方表示，刘女士现在想取回10万元本金并不划算，因短期受益不佳，建议客户留作养老。如果刘女士执意取回本金，属于提前终止合同的违约行为，按合同规定，只能根据刘女士投保金额目前的现金价值为其退款。至于刘女士何时能把10万元本金取回的问题，徐经理表示自己也不清楚，需要由公司的精算师按合同终止当天公司的经营状况来计算。
银行承认是其代理的产品
9月17日，前街一号记者来到中国农业银行西翠路支行，该支行大堂经理称，刘女士购买的产品确实是万寿路支行代理的产品，但对于为何代理该产品，他称此权限不在银行网点，自己并不清楚该保险产品的详细情况。9月17日，一自称万寿路支行的工作人员给记者打电话称，银行只是代理了这款保险产品，投保人要取回本金的话需要和保险公司联系。
前街一号记者在中国农业银行西翠路支行的大厅公告栏中看到，该支行目前代理的保险产品包括中国人寿、农银人寿、安邦财产3家保险公司的7款产品，西翠路支行的客户经理、柜员、大堂经理都具备保险销售从业人员资质。