Bitcoin Forum
May 10, 2024, 12:54:14 AM
Welcome,
Guest
. Please
login
or
register
.
News
: Latest Bitcoin Core release:
27.0
[
Torrent
]
Home
Help
Search
Login
Register
More
Bitcoin Forum
>
Local
>
中文 (Chinese)
>
媒体
>
女子在银行买保险 需活到105岁才能取回全额保费
Pages: [
1
]
« previous topic
next topic »
Print
Author
Topic: 女子在银行买保险 需活到105岁才能取回全额保费 (Read 193 times)
may13381622239
(OP)
Full Member
Offline
Activity: 169
Merit: 100
女子在银行买保险 需活到105岁才能取回全额保费
February 23, 2017, 05:42:23 AM
#1
想取回全额保费,请活到105岁
女子五年前在银行买保险,取款时发现合同2076年到期;保险公司称提前取会扣本金
每年存1万,存够5年后,不仅能拿到高息加本金,还能收红利。
听起来这是个稳赚的理财计划。可让浏阳汤女士无奈的是,直到取钱时,她才发现,合同规定必须到2076年才能取。如果提前支取,非但不能拿到应得的利息,还会扣除一定的本金。
“按照这个规定,我得活到105岁。”
华声在线长沙讯“要取出全部保费,我得活到105岁。”2月20日,浏阳汤女士对记者说,5年前,她曾在一家银行办理了一项业务,约定每年定期存1万元,存满5年,不但能拿回本金和利息,还会有红利。结果,最近她取钱时却被告知,合同要到2076年才到期,“银行说现在取,只能拿回本金47000元左右。”
汤女士在浏阳某医院工作,今年47岁。2012年,她到浏阳中医医院对面的一家银行办理存钱业务。“当时柜台的一工作人员向我推荐零存整取的理财业务,说每年存一万元,存够5万后不仅利息比单纯存款要高,还能有红利。”汤女士说,听到这些她有些心动,便决定每年存1万元。从2012年至今,汤女士已经交了5万元。
今年,汤女士买了房子,急需用钱。考虑到已存满5年,上周一,她便找到这家银行,想取出5万元,却发现取不出来,“一名大堂经理把我的资料摆出来,说让我看清楚保险单。”汤女士说,按照保险单上的规定,合同期满要等到2076年。也就是说,自己要活到105岁,才能拿到全部本金和分红。
记者从汤女士提供的保险单发现,缴费期满日是2017年2月10日,而合同期满日是2076年2月11日。汤女士说,原本以为有本金和利息,结果发现现在支取,不但没有利息,反而要扣钱,“银行说现在取会扣3000元左右。”
对此,记者随后联系了银行,该银行工作人员小黄称,汤女士的确在银行营业部办理了业务,而且确定买的是保单。
“当时就和客户说了,保单分5年,每年存1万元。”小黄说,这种产品与购买基金类似,2年分一次红,“现在才5年,不能提前支取。”
该银行兰主任说,这是银行代理的保险业务,而汤女士签订的保险单属于富德集团生命人寿保险股份有限公司(以下简称富德集团),目前,银行正在处理此事。
对此,汤女士说,当时她办理业务后,并没有拿到保险合同和条款,“当时银行工作人员只是将保险单交到我手上,我也没有留意到合同期满日是2076年2月11日。”汤女士说。记者陈斌实习生张沁
保险公司
提前支取会扣除一定本金和利息
富德集团长沙中心支公司运营部杨女士说,汤女士办理的业务属于生命红上红F款两全保险,以被保险人身故为合同标的,身故时赔付,生前返还。她还表示,合同约定时间比较长,是为了给客户提供更长的受益时间。
“事实上,不一定等到2076年,可以提前支取。”杨女士说,但是会扣除一定的本金和利息,具体金额视客户情况来定。她告诉记者,目前已经向保监报备,条款和合同也没有问题,客户交钱后,每2年可以领一次生存金,根据被保险人和年龄性别有所不同。
通过查询电脑,杨女士说,汤女士目前生存金是4684.4元,红利是895元。
目前,保险公司表示将派人再去浏阳协商处理此事。
记者陈斌
银行销售保险必须持有资格证书
湖南万和联合律师事务所李健律师表示,依据银监会2010年颁布的《关于进一步加强商业银行代理保险业务合规销售与风险管理的通知》,明文禁止了银保驻点销售,要求商业银行不得允许保险公司人员派驻银行网点,通过商业银行网点直接向客户销售保险产品的人员,应当是持有保险代理从业人员资格证书的银行销售人员。
李健还强调,商业银行在开展代理保险业务时,应当遵守以下规定:不得将保险产品与储蓄存款、基金、银行理财产品等产品混淆销售;不得将保险产品收益与上述产品简单类比;不得夸大保险产品收益;向客户说明保险产品的经营主体是保险公司,如实提示保险产品的特点和风险,如实向客户告知保险产品的犹豫期、保险责任、电话回访、费用扣除、退保费用等重要事项。
因此,此事件中如果银行存在上述违规行为,当事人有权向银监会、保监会投诉并维权。另外,李健也提醒客户办理银行业务特别是理财业务,一定要看清合同条款,明确权利和义务。
记者陈斌
1715302454
Hero Member
Offline
Posts: 1715302454
Ignore
1715302454
1715302454
#2
1715302454
Report to moderator
1715302454
Hero Member
Offline
Posts: 1715302454
Ignore
1715302454
1715302454
#2
1715302454
Report to moderator
"With e-currency based on cryptographic proof, without the need to trust a third party middleman, money can be secure and transactions effortless." -- Satoshi
Advertised sites are not endorsed by the Bitcoin Forum. They may be unsafe, untrustworthy, or illegal in your jurisdiction.
bilanbaba
Full Member
Offline
Activity: 148
Merit: 100
Re: 女子在银行买保险 需活到105岁才能取回全额保费
February 23, 2017, 07:40:16 AM
#2
签合同之前居然都不仔细看看条款,心真够大的!话说,就算保险公司不处理也是活该!
Pages: [
1
]
Print
Bitcoin Forum
>
Local
>
中文 (Chinese)
>
媒体
>
女子在银行买保险 需活到105岁才能取回全额保费
« previous topic
next topic »
Jump to:
Please select a destination:
-----------------------------
Bitcoin
-----------------------------
=> Bitcoin Discussion
===> Legal
===> Press
===> Meetups
===> Important Announcements
=> Development & Technical Discussion
===> Wallet software
=====> Electrum
=====> Bitcoin Wallet for Android
=====> BitcoinJ
=====> Armory
=====> Mycelium
=====> Hardware wallets
=> Mining
===> Mining support
===> Pools
===> Mining software (miners)
===> Hardware
=====> Group buys
===> Mining speculation
=> Bitcoin Technical Support
=> Project Development
-----------------------------
Economy
-----------------------------
=> Economics
===> Speculation
=> Marketplace
===> Goods
=====> Computer hardware
=====> Digital goods
=======> Invites & Accounts
=====> Collectibles
===> Services
===> Currency exchange
===> Gambling
=====> Games and rounds
=====> Investor-based games
=====> Gambling discussion
===> Lending
=====> Long-term offers
===> Securities
===> Auctions
===> Service Announcements
=====> Micro Earnings
===> Service Discussion
=====> Web Wallets
=====> Exchanges
=> Trading Discussion
===> Scam Accusations
===> Reputation
-----------------------------
Other
-----------------------------
=> Meta
===> New forum software
===> Bitcoin Wiki
=> Politics & Society
=> Beginners & Help
=> Off-topic
=> Serious discussion
===> Ivory Tower
=> Archival
===> Корзина
===> CPU/GPU Bitcoin mining hardware
===> Chinese students
===> Obsolete (buying)
===> Obsolete (selling)
===> MultiBit
-----------------------------
Alternate cryptocurrencies
-----------------------------
=> Altcoin Discussion
=> Announcements (Altcoins)
===> Tokens (Altcoins)
=> Mining (Altcoins)
===> Pools (Altcoins)
=> Marketplace (Altcoins)
===> Service Announcements (Altcoins)
===> Service Discussion (Altcoins)
===> Bounties (Altcoins)
=> Speculation (Altcoins)
-----------------------------
Local
-----------------------------
=> العربية (Arabic)
===> العملات البديلة (Altcoins)
=====> النقاشات
===> إستفسارات و أسئلة المبتدئين
===> التعدين
===> النقاشات الأخرى
===> منصات التبادل
=> Bahasa Indonesia (Indonesian)
===> Marketplace (Bahasa Indonesia)
===> Mining (Bahasa Indonesia)
===> Altcoins (Bahasa Indonesia)
===> Trading dan Spekulasi
===> Ekonomi, Politik, dan Budaya
===> Topik Lainnya
=> Español (Spanish)
===> Mercado y Economía
=====> Servicios
=====> Trading y especulación
===> Hardware y Minería
===> Esquina Libre
===> Mercadillo
=====> Mexico
=====> Argentina
=====> España
=====> Centroamerica y Caribe
===> Primeros pasos y ayuda
===> Altcoins (criptomonedas alternativas)
=====> Minería de altcoins
=====> Servicios
=====> Tokens (Español)
=> 中文 (Chinese)
===> 跳蚤市场
===> 山寨币
===> 媒体
===> 挖矿
===> 离题万里
=> Hrvatski (Croatian)
===> Trgovina
===> Altcoins (Hrvatski)
=====> Announcements (Hrvatski)
===> Off-topic (Hrvatski)
=> Deutsch (German)
===> Anfänger und Hilfe
===> Mining (Deutsch)
===> Trading und Spekulation
===> Projektentwicklung
===> Off-Topic (Deutsch)
===> Treffen
===> Presse
===> Altcoins (Deutsch)
=====> Announcements (Deutsch)
===> Marktplatz
=====> Auktionen
=====> Suche
=====> Biete
=> Ελληνικά (Greek)
===> Αγορά
===> Mining Discussion (Ελληνικά)
===> Altcoins (Ελληνικά)
=====> Altcoin Announcements (Ελληνικά)
=====> Altcoin Mining (Ελληνικά)
=> עברית (Hebrew)
=> Français
===> Actualité et News
===> Débutants
===> Discussions générales et utilisation du Bitcoin
===> Mining et Hardware
===> Économie et spéculation
===> Place de marché
=====> Échanges
=====> Produits et services
=====> Petites annonces
===> Le Bitcoin et la loi
===> Wiki, documentation et traduction
===> Développement et technique
===> Vos sites et projets
===> Hors-sujet
===> Altcoins (Français)
=====> Annonces
=> India
===> Mining (India)
===> Marketplace (India)
===> Regional Languages (India)
===> Press & News from India
===> Alt Coins (India)
===> Buyer/ Seller Reputations (India)
===> Off-Topic (India)
=> Italiano (Italian)
===> Guide (Italiano)
===> Progetti
===> Discussioni avanzate e sviluppo
===> Trading, analisi e speculazione
===> Mercato
=====> Mercato valute
=====> Beni
=====> Servizi
=====> Esercizi commerciali
=====> Hardware/Mining (Italiano)
=====> Gambling (Italiano)
===> Accuse scam/truffe
===> Mining (Italiano)
===> Alt-Currencies (Italiano)
=====> Annunci
===> Raduni/Meeting (Italiano)
===> Crittografia e decentralizzazione
===> Off-Topic (Italiano)
=> 日本語 (Japanese)
===> アルトコイン
=> Nederlands (Dutch)
===> Markt
===> Gokken/lotterijen
===> Mining (Nederlands)
===> Beurzen
===> Alt Coins (Nederlands)
===> Off-topic (Nederlands)
===> Meetings (Nederlands)
=> Nigeria (Naija)
===> Politics and society (Naija)
===> Off-topic (Naija)
=> 한국어 (Korean)
===> 대체코인 Alt Coins (한국어)
=> Pilipinas
===> Altcoins (Pilipinas)
=====> Altcoin Announcements (Pilipinas)
===> Pamilihan
===> Others (Pilipinas)
=> Polski
===> Tablica ogłoszeń
===> Alternatywne kryptowaluty
=====> Nowe kryptowaluty i tokeny
=====> Tablica ogłoszeń (altcoiny)
=> Português (Portuguese)
===> Primeiros Passos (Iniciantes)
===> Economia & Mercado
===> Mineração em Geral
===> Desenvolvimento & Discussões Técnicas
===> Criptomoedas Alternativas
===> Brasil
===> Portugal
=> Русский (Russian)
===> Новички
===> Бизнес
=====> Барахолка
=====> Обменники
===> Идеи
===> Кодеры
===> Майнеры
===> Политика
===> Трейдеры
===> Альтернативные криптовалюты
=====> Токены
=====> Бayнти и aиpдpoпы
===> Хайпы
===> Работа
===> Разное
===> Oбcyждeниe Bitcoin
=====> Новости
=====> Юристы
=> Română (Romanian)
===> Anunturi importante
===> Offtopic
===> Market
=====> Discutii Servicii
===> Minerit
===> Tutoriale
===> Bine ai venit!
===> Presa
===> Altcoins (Monede Alternative)
=====> Anunturi Monede Alternative
=> Skandinavisk
=> Türkçe (Turkish)
===> Bitcoin Haberleri
===> Pazar Alanı
===> Madencilik
===> Ekonomi
===> Servisler
=====> Fonlar
===> Proje Geliştirme
===> Alternatif Kripto-Paralar
=====> Madencilik (Alternatif Kripto-Paralar)
=====> Duyurular (Alternatif Kripto-Paralar)
===> Konu Dışı
===> Yeni Başlayanlar & Yardım
===> Buluşmalar
=> Other languages/locations
Loading...