Urgent!!! On the question of cooperation between Postal Savings and Pacific Insurance!!!

Some types of insurance companies are sold through cooperation with banks, including postal savings, the industry term is called bank ** insurance, these types of insurance are generally similar to savings, most of them can also dividends, in addition to having a certain nature of savings, but also with a certain critical illness protection or life protection or something, its advantage is that there is protection in addition to savings, but it should also be noted that this type of insurance can not be withdrawn at any time like the existence of savings, and it must be withdrawn at one time after expiration (generally 5 or 10 years). Withdrawals will be deducted in accordance with the regulations, because there is insurance provided by the insurance company, so the deduction is higher than the bank's. Therefore, early withdrawal is treated as surrender, and only the cash value of the policy at that time will be returned.

What about its profits, generally dividends, dividends are not accurate, that is, the profits of the insurance company are distributed to customers, and now the general insurance company will give people no less than the interest on deposits, which should be said to be guaranteed.

It should come with an insurance policy.

You don't have to worry too much about its security, you can be guaranteed if you buy it at the bank. The income is there, so don't worry about the principal.

The specific coverage depends on the insurance liability of your insurance, but most of them are universal insurance, that is, they cover life and accidents. Specifically, you should look at the insurance liability item in the insurance policy to confirm what the coverage is that your father has bought, which is good for you to understand this insurance.

The yield of bancassurance is about 4-5%, but the principal of the income part is calculated after deducting the cost of protection, and the cost of protection of each insurance is calculated according to the age and gender of the guarantor, and it is not clear what your father's age is. If the insured is over 50 years old, the cost of protection is still a bit high.

If your dad doesn't have any other insurance, it's better to have one insurance plus savings.

If your dad is already well protected, this may not be the best financial tool for your family. However, now the relationship manager of the bank will only sell the product, and there is no morality at all, which is not surprising!

Once you've found that insurance liability, you can consult on Q: 223066667

That's how it should be.

Postal savings do ** some insurance business:

Which type of insurance you have, you can see for yourself.

There are many types of such insurance, that is, a certain amount of funds are deposited and withdrawn after a certain period of time, during which there will be both interest income and certain insurance effects.

It's insurance It's compulsory savings.

I am now in the insurance company, our company also has a similar business, you can understand this business as a fixed deposit business, generally this kind of business according to the risk of different returns, the highest security of the return is generally higher than bank deposits, rest assured, the policy is a valuable document, is safe, after a certain hesitation period if you want to return the money halfway may not only have no interest income but also to deduct discount. Of course, the products of each insurance company are different and the regulations are different, but the overall idea is still similar.

This is my hand-beaten. If there is anything you don't understand, you can ask me again.

As long as you have a policy in your hand, you can take it out at the end of five years, there will be no loss, Pacific Insurance will not deceive people, you can call ** and ask the company to be clear.

You're just buying a term insurance.

If you won't be deceived, you can call **95500 to report your ID number, and you can check the policy.

At maturity in 5 years, it can be withdrawn including fixed income and dividend income.

However, this income is not much different from bank savings.