The girl tells a lesson: The insurance agent was deceived, paid 2.3 million, and the policy was not as described. I was startled again and said that I learned this way.
February 14, 2024 UserFacebook Maumao Lalitsini Petaksangrawi Publish the story of the topic “2,300,000 baht wasted on insurance fraud” Citing an example of trusting an insurance agent who knows each other. By mistakenly believing that there was insurance on accumulated wealth and because she thought that she would receive profit and capital after saving for 7 years, she invited more acquaintances to obtain the same type of insurance. Including opening additional insurance policies for yourself but in the end finding that the terms of this policy are not as discussed. Moreover, I still have to feel bad about the statement made by the actor who said that they misunderstood as well. Because we learned that way
Get savings insurance. Understand that you deposit for 7 years and get the money back in the 8th year. Invite your friends to do so. Buy more for 2.3 million baht.
The author of the story mentioned that I did not think I would meet myself. Get life insurance for a lump sum of 2,300,000 baht and later find out that the insurance policy was not as originally discussed. I don't blame any company for not representing enough knowledge. Plus we trust the agent. So I didn't read the details in the policy. Who will believe? Study well.
From the picture, the insurance plan that the agent sends for review shows that he said that you can choose to deposit insurance on savings for a period of 7 years, 10 years, or 15 years. If you deposit it for 7 years, get it back in the eighth year, deposit it for 10 years, get it back in the 11th year, deposit it for 15 years, get it back in the 25th year, you get the biggest profit return. She saw that there was a lot of profit. So I chose a 7 year deposit, thinking I would get it back in the 8th year by paying the first 499,100 baht.
Later, a friend was interested in getting insurance, so she invited several friends to do so because she saw that she could save money in the short term and get a big profit. I asked to chat to confirm and the representative confirmed that you can take money for 7 years, 10 years, 15 years, and part of that is trust. Because they saw that he was very knowledgeable and took good care of him, and when he got sick and went to the hospital, he would always stop by and buy him things.
After friends were interested in it, she saw for herself that it would be an opportunity to be happy to invest more. Therefore, he invited his girlfriend to take out an additional policy in the amount of 518,625 baht, and also opened another policy for himself in the amount of 800,000 baht because he trusted the insurance agent. No matter what she said, she believed it all. Including a guarantee of getting your money back in full without loss, as there are people who have already received it.
Open the book on politics and you will be confused. What happened? Call and ask and you will find out. It's not like talking to an agent.
After opening the book on politics you started to wonder why there was such a big profit. Is this really possible? A friend told me she misunderstood. This insurance policy is a 15/25 contract, which pays out for 15 years, and you can withdraw the money in year 25. If you want to withdraw the money in the eighth year, you have to surrender it, which is definitely a loss. But when I came back and asked and this insurance agent confirmed that he can withdraw the money in the eighth year without any loss.
She began to lose trust in this insurance agent, so she called the insurance company's call center to inquire. The employee confirmed that the money cannot be recovered in the eighth year, and the ledger that was written is 15/25, a 25-year contract, which must be paid throughout the contract every year, with a total of more than 27 million, and it is considered a very large amount that cannot be paid.
After taking this back to the insurance agent the other party said it was also sad that it was misunderstood. He never had bad intentions. Do you think I'm not sorry? They've been taught like this. Not only the two brothers, many other team members were taught to make false representations to customers like this, who dared to make such false guarantees. Because it was guaranteed by the teacher who taught it again.
“Eventually, if you are able to pay for 15 years, you have to talk to the OIC. It is difficult to continue. Even expropriation is a loss.”
In the end, the thing I feel bad about is that instead, the insurance agent advised her to send in all the insurance copies. Because the money already paid is a lot. But she believes that continuing to pay this amount for another 15 years will be impossible, so everyone who wants insurance must read the documents carefully because the person they represent may not really understand everything, so this kind of thing may happen. Now the matter has been taken to the OIC, and the actor has promised to do his best to help it cancel. If there is any finding, it will be reported again.
This story received attention. Because it is an issue close to the heart of many people who know insurance agents. Maybe you were recommended this type of insurance policy and you misunderstood the details. It becomes a burden on you to earn money to send until the contract is completed. If it is confiscated before the contract, there is also a risk of loss.
At the same time, many people came to provide information that in this case, it is possible to choose to stop sending from the 7th year onwards, but not deposit for 7 years and take it back in the 8th year. You will have to wait until the end of the policy year, year 25, depending on the contract term, in any case. In this case, it is considered that the information communicated by the agent does not meet the conditions of the policy contract, creating a misunderstanding that is not proportional to the goal of securing the client's accumulated assets. This case may therefore be canceled by order of the OIC, and the consequences may be as follows: Agents' commissions may be refunded. Penalties may be considered accordingly. As for clients, they may get their capital back. But it may affect previous tax deductions if used, etc.
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