More Than 8.8 Billion Treasure Encountered Internet Users Surrender Insurance Surrender Amount Or 3 Million.

　 Surrender Amount of money Or 3 million yuan.

As a matter of fact, this lantern festival financial product is exclusively for users of the balance treasure, so many media and consumers have been mistaken for "the two phase of the balance treasure" before. According to the introduction, Yuanxiao financial products were officially opened after 14, and the total amount of products sold for 580 million yuan was sold out after 3 minutes. In the afternoon, Alipay immediately added 300 million yuan product quota, and it was sold out after 2 minutes and 31 seconds. However, careful users found that the 7 expected yield in the morning is actually a universal insurance called "win win No.1", and the product added in the afternoon is actually another universal risk of "Tianan Anxin B".

Reporters on the Pearl River life Taobao official page found that the special edition of the Lantern Festival began opening appointments 15 days ago. Some analysts believe that the re appointment is actually the two sale of the surrender products for the previous activities. According to the current sales share, the amount of surrender has nearly 3 million yuan. However, the amount of the surrender has not been officially confirmed. At the time of the press release, Pearl River life did not reply to the final surrender data.

　 Loss in midway surrender 3%

"Surrender immediately after purchase. Consumer There is no need to bear the loss of principal. " Insurance experts said that the universal insurance of the balance of treasure sales as an insurance product, there are ten days of hesitation, in the hesitant period, if the insured considers that the contract does not match the requirements of the insured, it can terminate the insurance contract. The insurance company will refund the premium without interest and deduct the cost of not exceeding 10 yuan.

However, experts say that for example, if the product wins the first ten days, if a period of hesitation is over for a period of 3% days, a refund of 3% will be required.

Experts say that universal insurance can provide life support as well as traditional life insurance, and can also be invested in simultaneous interpreting. It is a higher investment risk than monetary fund. In addition, universal insurance does not exist the concept of purchase and redemption, if it is to quit early, it is surrender.

　 Financial reminder

Universal insurance is relatively low.

Although universal insurance belongs to Insurance products One of them, however, has a lower security level. In the case of win win No. 1, according to the terms, "the insured will pay the death insurance premium at 105% of the value of the contract at the time of the insured's liability during the validity of the contract's insurance liability. The value of the personal account will be zero after payment, and the contract will be terminated." That means that if the insured amount is 10 thousand yuan, the insured person can only pay 10500 yuan if he dies.

Some insurance experts remind consumers that they should pay more attention to matters needing attention when purchasing insurance products. "If consumers want to see clearly the terms of the product, do they need to pay extra fees, such as initial fee, collection fee, policy management fee, risk fee and so on."