claims encounter overlord terms 周乙原型

Xinhua life insurance agent instead of the insured insurance proceeds 7% signed recommended products of sina financial exposure table: financial encounter fly alone, deposit change policy, claims encounter overlord terms, how to do? Click "I want to complain.""! Financial institutions apply for settlement, the first time listen to the voice of users. Sina Financial News recently, Sina Financial exposure platform received Shanghai Guo Xin complaints for Xinhua life insurance. Guo said in the Xinhua insurance "daxiehui" recommended to buy financial products guaranteed income 7%, up to 13%, the annual deposit 6000 yuan, enough 5 years removed, until her daughter Guo last year found that the so-called "financial products" is actually the Xinhua life insurance, life insurance (without love universal insurance), the insured is the daughter of the insured is not my signature signed by the agent, but forged. Event: daxiehui recommended minimum guarantee income 7% "financial products" in May 2011, Ms. Guo received a number of Xinhua insurance agent call, invite them to participate in customer daxiehui, but Guo did not promise. Later, the agent of Xinhua insurance came home to send an invitation to the party again. It was just on Sunday, and Ms. Guo went with her husband. "Thank you will be arranged in an upscale hotel, when we go to the hotel lobby has been sitting fifteen, six tables, most of the elderly. There is a person on the stage to explain financial products, each table has Xinhua insurance agent to help answer questions, the feeling is quite formal." Ms. Guo said. People on the platform say, this financial product annual payment of 6000 yuan, a total of 5 years, the lowest 7% guaranteed income, the highest possible 13%." At the time, the interest rate for the 5 year term deposit was about 5%, compared with the yield of the "financial products". "I wonder why the income is so high," the agent said, "the premiums will be used for the national infrastructure investment, and the benefits are high and guaranteed."." Ms. Guo has not decided on the spot to buy, after repeated communication with the agent and thank Ms. Guo on the products of high income and security, Ms. Guo agreed to buy. Until last year, Ms. Guo’s daughter found that the so-called "financial products" is a whole life insurance. Xinhua life beloved warriors life insurance (universal type) insurance is a very complex insurance products, the insurance period for the insured life insurance liability, including death or total disability. Ms. Guo bought the insurance products, since 2011 began to pay, annual payment of 6000 yuan, as of now, a total of 24000 yuan to pay premiums. Sina property insurance to Xinhua insurance agent to verify the matter, the other said he had left. On behalf of the insured, the contract is invalid. Surprisingly, the policy holder is Ms. Guo and the insured is Ms. Guo’s daughter, the palace lady. The maid said, "this policy is based on my death or total disability insurance responsibility, and I’m totally unaware, but by the agent to sign, and education and other information of the insurer are false, how can such a contract?" According to the thirty-fourth article of the insurance law, the contract which regards death as the condition of payment of insurance is not approved by the insured

新华人寿代理人代替被保人签字 推荐保底收益7%产品 新浪金融曝光台:理财遇飞单,存款变保单,理赔遭遇霸王条款,怎么办?点击“我要投诉”!金融机构申请入驻,第一时间倾听用户声音。   新浪财经讯 近日,新浪金融曝光台收到上海郭女士对于新华人寿的投诉。郭女士称,在参加新华保险的“答谢会”时推荐购买 “理财产品”保底收益7%,最高可达13%,每年存款6000元,存够5年即可取出,直到去年郭女士的女儿才发现,所谓的“理财产品”其实是新华人寿至爱无双终身寿险(万能型)保险,被保险人是其女儿,被保险人签字并非本人所签,而是由代理人伪造。   事件:答谢会推荐保底收益7%的“理财产品”   2011年5月,郭女士多次接到新华保险代理人的电话,邀请其去参加客户答谢会,但郭女士都未答应。后来新华保险的代理人又上门送答谢会的请帖,时间恰好是星期天,郭女士便同丈夫一同前往。   “答谢会安排在一个高档酒店里,我们去的时候酒店大堂里已经坐了十五六桌了,大多数为中老年人。台上有一个人讲解理财产品,每个桌上都有新华保险的代理人帮答疑,感觉还蛮正规的。”郭女士称。“台上的人讲,这款理财产品每年缴费6000元,总共缴5年,最低有7%的保底收益,最高可能达到13%。”   而当时5年期定期存款利率约5%,相比之下,该“理财产品”的收益率十分诱人。“我也奇怪为什么收益那么高,代理人说,收来的保费将用于国家铁路基础建设投资,收益高且有保障。”   郭女士并未当场决定购买,答谢会后代理人又多次与郭女士沟通,讲解产品收益高且有保障,郭女士才同意购买。   直到去年,郭女士的女儿才发现,所谓的“理财产品”是一分终身寿险。新华人寿至爱无双终身寿险(万能型)保险是一款非常复杂的保险产品,保险期间为被保险人终身,保险责任包括身故或者全残疾等。郭女士购买的该保险产品,自2011年开始缴费,年缴6000元,截至目前,共计缴纳保费24000元。   新浪财险向新华保险代理人求证此事,对方称已离职。   代被保险人签字合同无效   令人吃惊的是,该保单投保人为郭女士,被保险人为郭女士的女儿宫女士。宫女士称,“这份保单是以我身故或者全残为保险责任的,而我完全不知情,而是由代理人签的,而且被保险人的学历等信息都是假的,这样的合同怎能生效?”   根据《保险法》第三十四条规定:“以死亡为给付保险金条件的合同,未经被保险人同意并认可保险金额的,合同无效。父母为其未成年子女投保的人身保险,不受这一条款规定限制。”   在保险实务中,代被保险人签名有以下三种情况:(1)投保人代被保险人签名(投保人与被保险人非同一人);(2)保险公司员工或代理人代被保险人签名;(3)除上述情况以外的其他第三人代被保险人签名。   这三种情况下的代签名,不论因何种原因发生,未经被保险人授权而擅自代签名的,根据《保险法》第三十四条定如属于死亡保险,应认定为无效。除死亡保险外,根据《合同法》第四十八条规定,这种行为属于无权代理,应认定为效力待定的保险合同,即保险合同的效力处于一种不确定的法律状态,是否有效取决于被保险人事后是否追认。被保险人不追认的,合同无效,同时,在追认之前,被保险人有权以书面的形式通知撤销。因此,代被保险人签名的保险合同如被保险人事后追认,合同有效;如被保险人事后不追认,则合同无效或被撤销。   而2011年,被保险人宫女士已经成年,若购买终身寿险理应由其本人签字。业内律师告诉新浪财经,郭女士这种情况,可以主张合同无效。   《保险销售从业人员监管办法》第二十四条规定,保险销售从业人员在保险销售活动中严禁欺骗投保人、被保险人或者受益人以及代替投保人签订保险合同等十三条行为,违反者将对代理人及其所在机构予以处罚。   郭女士认为,新华保险的宣传明显夸大其词,挂羊头卖狗肉,有欺诈嫌疑。若现在退保的话,要损失1万多元,希望全额退还所交保费。新浪财经致电新华人寿,转述了郭女士的诉求,客服称已经记录,将转给当地分公司尽快处理解决。   保险销售误导屡禁不止,部分代理人“短视”,一味想着签单,然后捞一笔佣金就走,从而造成很多纠纷。对投保人和被保险人而言,也要提高警惕,不要一味贪图高收益,高收益永远与高风险并行,选择适合自己风险的理财方式。 特别声明: 本平台承诺不公布投诉者真实姓名和身份,来稿一经刊登,即视为将专有出版权和网络传播权授予本网,稿件不予撤销及修改。也欢迎被投诉公司积极主动解决投诉。如有疑问,请联系我们: 电话:010-62676172 邮箱:money@staff.sina 进入【新浪财经股吧】讨论相关的主题文章:

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