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男子在银行买25万理财产品却变终身保险 损失3万多

2017-09-23 06:31:58   中国青年网

一位不愿具名的保险行业人士对华商报记者分析说,针对市民王先生的遭遇,首先需要认识到:其办理的产品属于保险公司银行保险业务,即:银保产品,属于保险不属于理财或存款,而产品本身则属于终身型分红保险。

在华商报记者采访了解后,王先生表示,在21日,富德人寿陕西分公司的工作人员李鑫在电话中告诉他,表示愿意赔偿15000元补偿其损失,但他没有接受,认为“这样的赔付(金额)没达到我的损失”。

进展:

富德人寿答应给王先生补损失两万元

上述不愿具名的保险行业人士说:“之所以发生此事件,一方面可能因为保险公司在客户投保过程中存在不实承诺;另外一方面,客户在投保后可能没有详细阅读保单相对应的内容,并没有一一核实。”

9月15日,华商报记者来到了王先生所指的当时办理业务的银行,工行西安曲江新区新开门支行铁炉庙(二级)副行长刘宁对华商报记者表示,“不愿意接受采访,要请示领导”。

而在同天,华商报记者与投诉人王先生一起去了位于西安市含光路附近的富德生命人寿保险股份有限公司西安中心支公司,人事行政部负责人李博源回复华商报记者称,公司调查清楚后给予回复。

9月21日下午,该保险公司给华商报记者发来回复称:我司客户王**于2012年5月22日在工商银行铁炉庙支行办理生命红上红F款两全保险(分红型),年缴保费50000元,缴费5次,合计缴费250000元,保障期间为终身。

客户于2017年8月29日来公司办理退保,当时公司对保险条款及合同相关内容再次进行了详细讲解,而且也明确告知客户退保会有损失。但客户不接受我公司的建议,只是要求退保。最终,公司尊重客户的意见,按照要求为客户办理了退保手续,退保金额222436.78元。客户于2015年4月15日已部分领取保单给付金16900元。两项合计客户共收到钱款239336.78元。

由于该保单为5年前在工商银行购买,距今时间较长,客户无法证明现金价值表未交由客户本人,也无法证明是否由客户本人保存不当造成丢失。因此,从现有证据来看,我公司不认为存在违法违规行为。

根据中国保监会2011年3月7日下发的《关于印发<商业银行代理保险业务监管指引>的通知》(保监发〔2011〕10号)规定,第31条“商业银行作为代理保险业务销售行为的实施主体”。因此,我公司认为银行作为销售行为实施主体,应该按照上述规定履行相应义务,如讲解产品、提供信息披露材料等。但是,为维护我公司形象,考虑到客户的实际困难,最终我公司决定从人道主义角度补齐客户损失及利息,共计两万元整。

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