"Sister-in-law, you're wrong, right? Didn't you just say nine hundred and eight? How did it become a thousand and a half again? Lu Miaosha asked inexplicably.

"Sell it to others for eight hundred and five, and sell it to you for one thousand and five, this is still less to say, love or not." The proprietress Yang Hongmei was angry, as if she had been stimulated a lot.

The thin boss also stared at Wang Xiao with strange eyes, looking up and down.

"Why? Where have we sinned against you? Lu Miaosha asked aggrievedly.

"Hmph, there isn't a good thing in selling insurance." Yang Hongmei said resentfully, her eyes were fierce as if they were about to burst into flames.

Wang Xiao smiled bitterly and said: "I know that many people are prejudiced against our industry, and there are indeed a lot of Sven scum among our peers. However, there is something wrong with you knocking down a large piece with such a stick, and I didn't cheat you out of money, so you don't need to hate me so much, right? ”

"You didn't cheat, but your insurance company did." Yang Hongmei said indignantly.

"What's going on? Can you tell us about it? Wang Xiao frowned, and secretly scolded in his heart for which lacked virtue and blackened his conscience for the sake of performance, and did such a lack of morality.

"Tell me? How old are you? Tell me about it, and give me all my money? Yang Hongmei shouted excitedly.

Wang smiled bitterly and said, "Which industry doesn't have a few scum?" I believe that those of you who do luggage wholesale can't all abide by professional ethics like you, right? Although I can't really help you, you have to let me know since I was a child, how did I get this grievance? How to say that we are also customers, we have suffered such a stomach for no reason, it is good enough that we did not fight with you, if you don't explain to me, I will have to complain. ”

"That is, others cheated you out of your money, why should you be angry with us?" Lu Miaosha also asked aggrievedly.

Yang Hongmei was just about to continue to be angry, but was suddenly stopped by her husband Chen Jianshe and persuaded: "Forget it, they didn't do it, we really shouldn't be angry with others." ”

"You still have the face to say? If it weren't for the fact that you had a brain in water a week ago, and you ran to the bank to deposit money, you were coaxed into a circle, and you signed a participating insurance in a daze, can I be so popular? Yang Hongmei saw that her husband didn't help her but also helped outsiders, and her elbow turned out, so she suddenly became angry, and scolded Chen Jianshe for a stinking scolding.

"Wait, what do you say? A week ago, you were misled into signing an insurance contract at the bank? Supposedly, what kind of people have not seen in your business, how can you be misled into signing an insurance contract? Wang Xiao asked puzzledly, generally it is easy to be misled by the elderly, few young people are fooled, and it is even more rare to be the boss of the business.

"To tell you the truth, my wife and I have been working on the construction site for more than ten years, although we have earned some money, but it is too hard, and our bodies are gradually unbearable, so we took more than half of our savings and came here to pick up a small shop for wholesale bags, in fact, both of us have little experience. Last week, my wife asked me to deposit the extra 30,000 yuan in the bank, but I ...... Hey, I was deceived by those two insurance salesmen in bank uniforms, saying that if you save 30,000 yuan, you can receive 400,000 to 600,000 yuan in a few years, and if you get sick, you will be reimbursed, so I signed it on impulse, how could I think that it was insurance! ”

Chen Jianjian, who was honest, poured bitter water on Wang Xiao.

Yang Hongmei also echoed: "The 30,000 yuan is our salary for half a year on the construction site, so we were deceived by you." When I found out that it was not a passbook or an insurance policy, I asked for a refund, but they said that I could only refund a little more than 20,000 yuan now. Who is not angry about this? ”

Wang Xiao finally understood the general context of the matter, and said: "You calm down first, listen to me explain to you, let me ask you, when did you sign, more than ten days to today, when was the contract receipt signed, and how many days is the written date on the contract to today?" ”

Chen Jianshe thought for a while and said, "It's not more than ten days, today should be the seventh day." ”

Wang Xiao asked again: "Didn't you all read the insurance contract?" ”

Yang Hongmei said angrily: "It's a contract, but it's almost as thick as a book, you can't let me read it word by word, right?" The words went around and around, and I couldn't understand them at all. ”

Wang Xiao explained: "They are really to blame for this incident, the most obvious is that they did not fulfill their obligations to inform and explain the terms of the insurance. But you're going to have a hard time finding evidence of these things. However, they deceived you, you should sign a life insurance participating policy, so there is a ten-day hesitation period, during which you only need to notify the insurance company in time and request a surrender in time, you can get a full refund, and the insurance regulatory commission stipulates that they can only charge you a maximum of ten yuan for the production cost. ”

"Really? Chen Jianshe asked in disbelief.

"Don't lie to me, I'm not as easy to deceive as him." Yang Hongmei glared at her husband, still a little angry and said.

"If you don't believe me, you can take out your policy now, and I'll find out the terms for you, and teach you how to surrender the policy, how to collect evidence in your favor, and if the person who deceived you into signing the policy dares to lie to him, you can rightly threaten to sue him. If the insurance company dares to cheat, it can also sue them. ”

Yang Hongmei stared at Wang Xiao and looked at it, hesitated for a while, and finally decided to give it a try, turned her head and yelled at her husband: "What are you doing in a daze?" It's all a good thing you did, why don't you hurry up and go home and get the policy? Do you want to ink for two more days beyond the hesitation period? ”

"Okay, I'll go get it." Chen Jianshe said, hurriedly rushed outside, rode an electric car to the residence.

Yang Hongmei watched her husband fade out of her sight, and then turned around and asked again: "What you said is true?" ”

"I don't have to lie to you, do I? It doesn't do me any good, and I hate the scum in my industry. Wang said with a smile.

"If what you said is true, if my 30,000 yuan can be returned to me, I will give you that bag." Yang Hongmei's tone finally softened.

After about a cigarette, Chen Jianshe hurried back, handed the insurance policy to Wang Xiao, and said, "That's it, you can help take a look." ”

Wang Xiao took it and said, "This is not our company, it is our company's competitor, but the ten-day hesitation period is equally effective, see?" That's it. ”

Wang smiled and said, finding out the clause of the hesitation period and letting them see it.

"That's it." Chen Jianshe said excitedly.

"So, what are we going to do?" Yang Hongmei asked.

"I'll help you call their company and ask for a surrender." Wang said with a smile.

"Thank you so much for that." Chen Jianshe said gratefully.

"You're welcome, the company's customer service phone will generally be recorded, and you don't talk nonsense when you call later, so as not to say anything unfavorable to yourself." Wang Xiao admonished.

"Okay, it's up to you." Chen Jianshe said firmly.

Yang Hongmei also nodded.

After Wang Xiao gained their trust, he began to teach them how to call the insurance company.

According to Wang Xiao's idea, Chen Jianshe practiced a few times before dialing the customer service number of the insurance company, and at the same time used his wife's mobile phone to make a recording to collect evidence.

"Hello, I'm Chen Jianjian, may I ask if today is the first of September?" After the customer service phone was connected, Chen Jianshe asked the customer service according to Wang Xiao's prompt.

"That's right, today is the first of September, may I ask sir, is there anything you need to help with?" The customer service asked.

"Seven days ago, on August 24, I signed an insurance contract in a daze under the deception and misleading of your insurance agent. Now I asked for a surrender, and he lied to me that I couldn't return it, but just now when I was flipping over the contract, I saw that there was a 10-day hesitation period. Now I officially tell you that I want to surrender the insurance, and the phone call has been recorded, if you do not give me a refund, I will complain to the CIRC and sue you in court. Chen Jianshe said righteously according to what Wang Xiao taught him.

After listening to the customer service, he asked some questions about the policy and personal information, and then told him which business area in Jinshui City he could go to to to surrender the policy and so on.

After hanging up the phone, Chen Jianshe finally breathed a sigh of relief and said to Wang Xiao: "Thank you, we mistook you just now." ”

Even Yang Hongmei, who was extremely fierce, laughed embarrassedly at this time, and said to Wang Xiao: "You are a good person, sister-in-law apologizes to you." ”

"It's not so polite, although my profession is the same as theirs, but I will never do something like them that lacks morality, that kind of person will be retributed, either to lose his life or to invite disaster." Wang said with a smile.

This sentence suddenly shortened the distance between them.

Yang Hongmei took out a brand-new bag from the warehouse, insisted on giving it to Wang Xiao, and said: "Your sister's vision is wrong, this is indeed a good product, you helped us a lot today, I also talk about it, and I will give it to you for free." ”

Lu Miaosha hesitated and didn't dare to answer, looked at Wang Xiao, and asked for his opinion.

"You're welcome, I'll take the bag, but I'm going to give you an insurance." Wang smiled and took out a personal accident insurance card from his bag, and said to the shopkeeper Chen Jianjian, "This is a personal accident insurance card worth 120 yuan, as long as the electronic policy is activated, it will take effect immediately, and the insurance period will be one year, but you will be able to use it in three days." ”

Chen Jianshe was a little inexplicable, and he didn't understand what Wang Xiao meant, so he could only be stupidly polite, and told him his identity information and phone number according to Wang Xiao's question.

Wang Xiao filled out the insurance card, and then called Sister Su Hui and asked her to help activate the policy online immediately.

Sure enough, in less than two minutes, Chen Jianjian's mobile phone received a text message reminder of the policy information.

Before leaving, Wang Xiao handed his business card to Chen Jianjian, and said a little mysteriously: "Actually, insurance agents are just my business, the morning after tomorrow, when you have a problem with your left arm, remember to call me in time, and you will understand when the time comes." ”

"Okay."

Although Chen Jianshe responded, he was still confused when he heard it, and when Wang Xiao and Lu Miaosha walked away, he muttered to his wife again: "Does this little brother have a problem with his brain?" ”

"It's not that you have a problem with your brain, you may be a real master, just now he hinted that something will happen to your left arm the morning after tomorrow, I don't know if it will come true." Yang Hongmei was a little worried, don't look at her usual cruelty to her husband, but she cares about her husband very much in her heart.