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每到年关,银行、信托、基金、保险等各类金融机构为完成内部业绩考核,纷纷加大自身产品的销售力度。在众多金融产品中,银行与保险公司合作销售的保险产品由于兼具人身保障及分红收益功能,因此受到众多人士的追捧,被习惯性的称为银保产品,但由于对产品约定存有误区,不时引发诉讼纠纷。产品收益已明确变更回报引纠纷2008年3月,王女士在北京某银行投保了某保险公司承保的人身意外伤害保险,共计交纳保费24万元,被保险人为王女士本人。保险期限为3年,保险单载明年回报率为5.87%。保险合同到期后,保险公司向王女士支付本息共计26万余元。此后,王女士曾多次找到保险公司及银行进行交涉,要求支付剩余1万余元的利息,但未得到圆满解
Every year, various financial institutions such as banks, trusts, funds and insurances have stepped up sales of their products in order to complete the internal performance appraisal. Among the many financial products, the insurance products that banks and insurance companies co-sell have been sought after by many people due to their combination of personal protection and profit-sharing functions. They are customarily called bancassurance products, but due to the misunderstanding of the product agreement , From time to time lead to litigation disputes. Product income has been clearly changed the return quotation disputes In March 2008, Ms. Wang in Beijing, a bank insured insurance coverage of personal accident insurance, a total of 240,000 yuan premium paid, the insured person is Ms. Wang himself. Insurance period of 3 years, the insurance policy set next year’s return rate of 5.87%. After the expiration of the insurance contract, the insurance company paid a total of 26 million yuan to Ms. Wang. Since then, Ms. Wang has repeatedly found insurance companies and banks to negotiate, asked to pay the remaining interest of more than 1 million, but not a satisfactory solution