How do postal deposits become insurance? Does Japan Post Bank have deposit insurance

Brother, that's the insurance business of the Postal Bank**, according to what you said, it is a five-year participating insurance, and you will get the expiration insurance money when it expires (this should be determined according to your age), and the annual dividend and accidental death will be paid three times. In general, it is protection + principal + fixed income + dividends.

Hello, within 10 days from the date of receipt of the policy, you can bring a valid ID card, insurance policy (if you apply for a passbook or bank card when applying for insurance, you need to bring it) to the business office of the Postal Savings Bank where the insurance was originally purchased to handle the full surrender of the policy.

It's all **, my mother is also 5 years after the expiration of the year, there is no normal interest is high, there is half of the interest, mine is also 6 years to 2 years to quickly take it, but also a loss of 12,000, now I have been complaining, I hope I can return my principal.

If it doesn't move for five years. There is still a good return on depositing this bancassurance wealth management product, at least it is much better than your direct deposit.

However, if you want to use this money in the short term, you should consider other financial products. Go ahead in five days.

If it is not more than ten days to return it immediately, it is pitiful that you can guarantee the principal and dividends after more than three years, and I am also fooled, and the people in the bank are too immoral.

It's an insurance business If it's determined that you won't use this money in five years, it's actually nothing, and the money will definitely not be in the soup It's just that I'm afraid that if you want to use it within five years, it's more troublesome, and now it's very convenient to return It's not going to be anything.

Post Bank. There is deposit insurance. All banks have a deposit insurance logo, which features deposit insurance:

Insurance protection, financing and social management, of which insurance protection is the most basic function, the role of deposit insurance: it is a way to protect the healthy development of the bank; It has reduced the regulatory pressure of the People's Bank of China. The full name of China Post Bank is Postal Savings Bank of China.

As a state-owned bank, it was established on March 20, 2007, inheriting the former State Post Bureau and China Post Group Corporation.

Postal financial business and related assets and liabilities operated. With trillions of dollars in assets and profitability, Japan Post Bank is still one of the world's top 500 companies.

One of them, in general, is quite safe to deposit money at the Post Bank. The insurance sold in the bank, or deposited into a wealth management type insurance cracked trillion pure insurance, is quite uninsured. No matter how high the promised interest rate is, whether you can get it or not, once you need to guess and withdraw it in advance, you will lose more than 30% of the principal.

It's been many years ago, my colleague in the postal savings deposit, at that time the staff also introduced her to insurance savings, listen to her introduction is particularly good, colleagues did what she said about savings, but when she wants to use the money, the money is much more troublesome than normal savings, at that time I heard her say that she will never do this kind of savings again, so I think it is unreliable.

I myself bought several Postal Savings Bank insurance products.

First, the Postal Savings Bank is relatively reliable because it is a state-owned bank.

Second, the insurance product cannot be surrendered early.

Third, the income of insurance products is still relatively reliable when they expire.

Postal deposits become insurance, and now all major banks are like this, doing insurance, getting enough oil and water on the top, and then the task is pressed down, and the staff of the outlets can only fool one by one.

If you don't use it anyway, it is true that the fixed interest of saving insurance is higher than the fixed interest of just saving a note, and you can also get the interest agreed with you, even if you can't take it out and use it halfway, it is still quite cost-effective.

But if you don't agree on much interest, it's basically hehe... Especially for the term payment, I also saved it, but it was all a routine, anyway, it was a favor, and I didn't hold how much interest I was getting.

Now it's unreliable, it's said that it's regular but it's for you to get insurance, and you're fooled by the staff without culture, and you can't get the money out of it, and now you don't know, do you give the money when it's due.

Personally, I don't think it's reliable! Saving is saving, buying insurance is buying insurance, and the two are not the same definition at all.

Reliable and reliable, that is, the time is saved for a longer time, and the interest rate is higher than that of the regular period when it matures, and the money that is not used can be saved in this way.

Reliable is reliable, the interest rate is average, and it is not recommended for financial management purposes.

In recent years, the news has always broken out from time to time that the deposits of the Postal Savings Bank have become insurance when they expire, and the income has dropped significantly, which makes people angry but helpless. To be fair, there should be more such cases in the past few years, but in the past two years, there has been a decrease, on the one hand, the internal rectification and supervision of the postal savings itself (for example, the current bank must carry out double recording when selling insurance products); On the other hand, the promotion of the Internet, everyone has a certain degree of prevention against this kind of situation.

General insurance has a 10-day hesitation period, and the bank insurance is not very clear, but there must be a hesitation period, during which the policy can be surrendered and only need to pay a small fee. If this hesitation period is exceeded, there is a high probability that you will not be able to retreat. I really can't try the CIRC's complaint **12378

Hello, I am happy to help you answer your insurance questions, first of all, we must understand that there is a loss in surrender, and you can only return the cash value of the corresponding year, and will not return all the premiums.

At the time of the question, they didn't tell me that it was the insurance company that kept the money.

I want to withdraw the money, what should I do if I can't withdraw it.

I want to withdraw the money, what should I do if I can't withdraw it.

Answer: If you take it, you can only surrender the policy, the surrender loss is relatively large, and you won't return the principal.

Question: The bank now tells me that it is an insurance deposit, but I don't have an insurance policy in my hand, is this illegal?

Thank you for your question.

Nowadays, many banks sell insurance, and the staff of the bank may recommend you to buy insurance, but they will not force you to buy it, and it is not necessarily a bad thing to buy it, the interest rate is definitely higher than that of bank deposits, and the money can be withdrawn after maturity.

If you don't know, sue them and take out the money, if it's a financial management class, such as a one-year term, you don't have to worry, you ask clearly, for reference!

Can you take it out to see what kind of insurance you bought, if it is a financial insurance you bought, and it is low-risk, maybe there will be some profits, but you can take it out after the specified time, that is, it is insurance, and you will be given a policy, you take a closer look at which kind of insurance your insurance belongs to.

This is troublesome, not only can you not take it out, but you may also keep paying money.

It's a big deal without your consent.

If the postal deposit becomes insurance, it can be surrendered or complained about.

1. Surrender the insurance to the customer service counter of the insurance company, if you have not received the policy, you only need to bring your ID card.

The original, bank card to the postal service, must be handled within 10 days, otherwise the application will be deducted and the principal will be lost. 10 days is the cooling-off period.

There is no handling fee for surrendering the insurance during the hesitation period, and it can be refunded to the card when the money was originally deposited.

2. If you don't give a refund, you will solve the complaint.

Reasonable use of the cooling-off period: If the consumer is not satisfied with the type of insurance or the insurance company he has chosen, he or she can terminate the contract with the insurance company during the cooling-off period, and the insurance company will refund the entire insurance premium after deducting the cost of production (generally 10 yuan).

Cooperate with the return visit: If the insurance company makes a return visit to you, such as **, letter, door-to-door, etc., please ask the insurance company to ask questions, and at the same time ask the insurance company to answer questions about the relevant issues of the insurance contract.

Timely renewal of insurance premiums: There is a certain grace period for the payment of renewal insurance premiums, after the policyholder pays the first insurance premium, unless otherwise agreed in the contract, if the policyholder fails to pay the current insurance premium for more than 30 days from the date of collection by the insurance company, or fails to pay the current insurance premium within 60 days of the agreed period, the validity of the contract shall be suspended, or the insurance company shall reduce the insurance amount in accordance with the conditions agreed in the contract.

Dispute resolution channels: If there is an insurance contract dispute between the insured and the insurance company, it can be resolved through negotiation, mediation, arbitration, litigation and other means. In the event of a dispute, the two parties shall first conduct friendly negotiations and strive to reach an agreement.

The insurance financing subscribed by the Postal Savings Bank does not mean that there is no room for maneuver, it still exists and can be broken through. However, unlike bank fixed deposits, a fee is paid by default. This fee generally varies according to the number of years, and depends on the details of insurance and financial management.

The insurance and wealth management launched by the Postal Savings Bank are generally 3 years, 5 years, etc., and it is expected that % or fixed liquidated damages will be paid, and there will be no interest income. Therefore, if you are in urgent need of funds, it is better to breach the contract, at least to deal with emergencies, and you can only admit it if you lose some money. <

The insurance purchased at Japan Post Bank is generally to save a certain amount every year, save it for a few years, and finally return the principal and repay the profits. The bank listened to the introduction, and it seems that the annualized return is not bad. I felt like I got a deal, so I immediately agreed to buy it.

I never thought it wasn't a hold-in-the-money deposit. Deposit insurance does not mean that the principal cannot be recovered, but there are several issues to be aware of. The expected rate of return on insurance is not as high as you think.

In most cases, this policy can only be surrendered after it expires. If you want to withdraw your money halfway, you may lose interest and principal. Handwriting in the passbook is valid.

Whether it's regular or with a current schedule, they write down what they say at the time. It's unlikely you'll be blamed for this. Saving an extra $10,000 on a regular basis is a drop in the bucket for their business.

The counter does not take this risk. On a regular basis, you won't lose money, just go to the counter to confirm. <>

For insurance and wealth management products, the investment funds will be divided into two parts: one is used by Duan Luxiao to purchase insurance, and the other is used for investment projects. Therefore, the yield of insurance wealth management products is mostly lower than that of bank wealth management products.

For the insurance and wealth management products sold by the bank, many friends feel deceived. Actually, it's not that serious, the main thing is that we misbelieve the words of the marketers. The principal security of bancassurance wealth management products is very high, so don't worry too much.

Because the insurance Wu Shengwang sales are not compliant, there are various loopholes, so that some sales personnel take advantage of loopholes, and do not clearly tell customers that they are buying insurance, and do not clearly say that the bank is only a consignment unit, and this product is issued by an insurance company.

It is because the bank staff may not have paid attention to the products they were selling to them, so they bought the insurance products in ignorance.

I think it's probably that you didn't pay attention to it when you saved it, because a lot of good insurance nowadays looks like regular financial management.

Go to the Japan Post Bank.

The deposit time limit is finally turned into insurance or some other financial products.

In fact, whether it is a surplus insurance or a regular wealth management product, as long as it is a regular product, there will be no big problem, and there may be a big difference with the expectations of depositors.

Taking insurance as an example, many people go to the bank to deposit a three-year or five-year fixed deposit.

However, in the end, after the insurance is completed, it is forced to save for six years or even ten years, and if the policy is surrendered, it may suffer a lot of losses, which is why many savers do not like insurance. If it is a wealth management product, there are two problems, one is that many wealth management products cannot be redeemed in advance, and it is very bad to have a sum of money when you need it urgently, but you can't get it; The second is that after the bank breaks the rigid exchange, the wealth management products are no longer guaranteed to guarantee principal and interest, which has a certain risk, and many depositors have a relatively low risk tolerance and may not be able to bear this risk.

The deposit of the postal bank is definitely safe, but the premise is that it is indeed a deposit business, and not an insurance product or a fixed wealth management product in the clouds. Postal Savings Bank.

It is now the fifth largest state-owned bank in effect.

The security of the deposit is relatively high. As we all know, bank deposits are now subject to the deposit insurance system.

Protection, 100% payment within 500,000 yuan. Whether it is a current account, an ordinary fixed deposit, or a large certificate of deposit, it is within the scope of protection. Due to the large number of postal bank outlets, it is very common at the township level, providing a lot of convenience for rural depositors, and it is a good deposit choice.

However, since the postal bank is a unique bank that operates under the "self-operated +**" model, the quality of some employees is poor, and the compliance and rigor of business handling are insufficient.

Postal Savings Bank. On the occasion of its 10th anniversary, it was announced that the "Postal Charity Platform" was officially launched. This is an important measure for it to further give full play to its advantages, integrate internal and external resources and online and offline resources, and systematically and continuously carry out public welfare undertakings.