分红落差大、看到拿不到！早期分红险如今收益令人“失望”，该怎么办？

Core Viewpoint - The article highlights consumer dissatisfaction with insurance products, particularly regarding discrepancies between promised benefits and actual returns, leading to feelings of being misled by sales representatives [1][5]. Group 1: Consumer Experiences - A consumer named Wang reported that the insurance product she purchased, which was marketed as providing both health coverage and retirement benefits, did not deliver as promised, leading to a sense of betrayal [2][4]. - Many consumers, including Wang and another individual named Zhang, expressed frustration over the low actual returns compared to what was initially promised by sales agents, indicating a widespread issue in the insurance market [4][5]. Group 2: Insurance Product Characteristics - The article explains that the dividends from insurance products are derived from the insurance company's operational performance, including mortality rates, expense ratios, and investment returns, which can lead to unstable and unpredictable payouts [5][6]. - It is noted that promotional materials often present hypothetical returns that may not reflect actual performance, and in poor financial years, dividends could be zero [5][6]. Group 3: Sales Practices and Misleading Information - The article discusses the prevalence of misleading sales practices in the insurance industry, where agents may exaggerate benefits or obscure critical information to boost sales [7][8]. - Despite regulatory efforts to curb misleading sales tactics, such practices persist, contributing to consumer complaints and dissatisfaction [7][8]. Group 4: Legal and Consumer Protection - Legal experts suggest that consumers should thoroughly read and understand insurance contracts, retain evidence of sales communications, and seek professional advice to protect their rights [9][10]. - In cases of perceived misrepresentation, consumers are advised to document evidence and consider legal action to recover premiums paid, emphasizing the importance of a complete evidence chain for successful claims [10].