Jakarta –
Product insurance unit link often eat victims. Customers often feel cheated and trapped by this product. The latest example as experienced by unit link customers Prudential. So, why do many customers continue to feel cheated by unit link products?
Unit link itself is a unique insurance product, because it is a protection product for customers that is equipped with an investment allocation that allows customers to enjoy a cash value greater than the premium paid.
On the other hand, because this is an investment, of course there are risks that will be faced, such as a decrease in profits. Unfortunately, there are still many insurance agents who do not explain in detail about this product.
The reason is that during the bidding process, the insurance agent did not explain in detail and only explained the projected profits. Whereas in this product there are risks that must be understood and understood by prospective policyholders.
The Head of the OJK Consumer Protection Department, Agus Fajri Zam, once said the same thing regarding problems that often occur in Indonesia unit link. Where, the information submitted by the agent often does not match the product being sold.
“Then there are also many customers who complain because their investment value has decreased. It is promised this, when it is claimed it is only this way. This sometimes becomes a commotion,” he said in April. Agus revealed that most of the complaints submitted were so that insurance premiums paid for several periods were returned in full.
“Even though we know, for example, there are two insurance components and an investment component. If it is returned in its entirety, while we have enjoyed the existing insurance claims, it’s not fair either,” he explained.
Insurance observers say about insurance unit link. Click next page.
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