How to deal with the postal deposit of 10,000 yuan, and the certificate of deposit becomes an insura

Generally speaking, the bank will not care if it is sold, if you feel dissatisfied, you can apply for surrender within 10 hesitation periods without any loss, after 10 days will lose part of the money, surrender you look for the bank is useless, please go directly to the insurance company on the policy, directly to the insurance company to apply for surrender. As for whether all the principal and interest will be recovered after five years, this question depends on whether your insurance contract is paid for 5 years, or the contract is terminated in the 5th year, no, you are equal to surrender the insurance in the 5th year, and the surrender is only the cash value and dividends, and the insurance in the short term is definitely not as high as the bank interest, because the insurance is for the purpose of protection, and the cost of protection must be deducted. Having said so much, you should believe that you have the bottom in your heart, not to let the postal staff go with you to the life to return, you must go in person to return, the last day you have to hurry.

Works for you.

1. The hesitation period can be taken from the date of signing the receipt to the 10th day, during which the policy can be surrendered without any loss (it is recommended to return directly to the insurance company, so as to avoid the bank shirking to the end of the hesitation period).

2. The insurance products sold by the bank (commonly known as bancassurance products) are generally paid in a lump sum (one-time payment) and will not be paid every year, so you can directly ask the customer service of the insurance company for confirmation, which is basically the same as what I said. Insurance means that there will be no claims if there is no accident on the policy, so there will be no loss of principal (which is completely different from the wealth management money bought by the bank). The Insurance Regulatory Commission is strictly forbidden to prohibit the promise of income when selling, and what he promises will not be reflected in the policy (you can see how the policy is written, or you can ask the insurance customer service directly).

3. If you don't take risk after five years, the principal is fine, and the income is uncertain!

If you are still within the 10-day cooling-off period, you can surrender the policy in full, and the post will not have a reason to refuse.

If after 10 days, you can completely surrender the policy, and the post will not refuse, but you will have a loss. The exact amount of loss depends on the cash value on your policy.

Hello, since it has been saved, it is not urgent, you can put it there, there is no harm, there is some risk in buying insurance, but there is no problem with the principal, and it may not be as evil as they say in the end. If you agree.

Postal deposits can be surrendered and complaints can be resolved.

If you have not received the policy, you only need to bring the original ID card and bank card to the postal service, and be sure to handle it within 10 days, otherwise it will be deducted and the principal will be lost. Within 10 days, it is the insurance hesitation period, and there is no handling fee for surrendering the policy during the hesitation period, and it can be refunded to the card when the money was originally deposited. If you don't give a refund, the complaint will be resolved.

If the consumer is not satisfied with the type of insurance he has purchased 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 production cost. If there is a dispute over an insurance contract 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.

Summary. Hello, may I ask what to do if I lose my deposit slip in China Post Fixed Deposit?

If the postal deposit slip is lost, the method of reporting the loss is as follows: 1. Call the bank's customer service ** to freeze first; 2. Bring your original ID card to the original account opening outlet of the postal bank to report the loss; 3. About 5 working days, bring my ID card and go to the same business hall to reapply for a deposit receipt.

If you check with another bank, you may have misremembered the bank. If not, there is a good chance that someone will take it.

Summary. Postal deposits become insurance processing, and deposit insurance is applied at the time of operation.

How to deal with postal deposits becoming insurance.

Postal deposits become insurance processing, and deposit insurance is applied at the time of operation.

According to national regulations: postal deposits become insurance processing, when it is handled is deposit insurance, the financial law includes the following: 1. People's Bank of China Law; 2. Banking Supervision and Administration Law; 3. Commercial Banking Law; 4. ** law; 5. Insurance Law; 6. Negotiable instruments law; 7. Anti-money laundering law; 8. Regulations on the Administration of Renminbi.

Legal basis: Postal deposits become insurance treatment, and deposit insurance is handled at the time. Law of the People's Republic of China on the People's Bank of China Article 2 The People's Bank of China is the leading bank of the People's Republic of China.

Under the leadership of the People's Bank of China, the People's Bank of China formulates and implements monetary policy, prevents and defuses financial risks, and maintains financial stability. Article 31 The People's Bank of China shall monitor the operation of the financial market in accordance with law, carry out macroeconomic regulation and control of the financial market, and promote its coordinated development.

Like this.

Yes. Can the money be withdrawn?

Expiration is OK. No, can't it expire?

No. How to check insurance.

Counter. Can't you check your phone?

It can only be checked over the counter.

Yes, but it requires certain conditions.

If it is a single insurance of 10 million, it depends on the specific situation, and various insurance companies on the market will also have restrictions on the amount of insurance for accident insurance, such as the maximum amount of insurance of 500,000 or even 1 million, and some companies have other articles for the amount of insurance of more than 500,000 - such as an annual income of more than 100,000 yuan can be insured for 500,000 and above the amount of insurance, and no proof of income is required when applying for insurance, but proof of income is required when making a claim. Some products stipulate that the cumulative insurance amount of individuals exceeds 800,000, and insurance is not allowed, and even if the insurance is insured, it will not be compensated, so special attention needs to be paid to the insurance instructions.

If there are multiple copies, they can be applied for cumulatively, and accidental death insurance can be stacked. Accidental death insurance is paid in a fixed amount, so it can be stacked, that is, if the insured has two accident insurance, if the insured dies accidentally, then the death beneficiary can apply for two accident insurance claims and two accidental death insurance benefits, and some accident insurance can be stacked up to 10 million.

However, it should be noted that if it is an accidental death insurance benefit for minors, then at the time of claim, the sum of all accident insurance claims shall not exceed 200,000 yuan for those under 10 years old, and 500,000 yuan for those between 10 and 17 years old.

Accidental death insurance claim materials are required as follows: insurance policy claim application, insurance policy or valid reimbursement certificate, valid identity certificate of insurance applicant, medical death certificate, and certificate of account closure from the public security organ, as follows:

1. Insurance policy claim application;

2. Insurance policy or valid reimbursement certificate;

3. Valid identity certificate of the person applying for insurance money;

4. Medical death certificate: This is the death certificate of the insured issued by the medical institution, if the insured is declared dead, the applicant for insurance benefits shall also provide the death certificate issued by the people's court, indicating whether it is accidental death or disease death, which is an important basis for the insurance company's judgment.

5. Certificate of closure of household registration by the public security organ: the certificate issued by the insured person after the insured has passed away and goes to the local public security organ with the death certificate to close the account;

Summary. Hello, dear, the deposit becomes an insurance policy, and the bank turns the user's deposit into insurance, which belongs to the bank's illegal misleading sale of insurance products. The China Banking and Insurance Regulatory Commission (CBIRC) expressly prohibits the use of bank terms such as "principal", "interest" and "income" in the sale of insurance products through the bancassurance channel.

In addition, the bancassurance channel must clearly explain to customers the contractual responsibilities of the insurance products, the protection of benefits, the calculation method of cash value and the surrender loss.

Hello, my mother went to save money, the deposit became an insurance policy, there is a recording record, how can I surrender the policy in full.

Hello, dear, the deposit becomes an insurance policy, and the bank sells the user's deposit into insurance, which belongs to the illegal misleading sale of insurance products. The China Banking and Insurance Regulatory Commission (CBIRC) expressly prohibits the use of bank terms such as "principal", "interest" and "income" in the sale of insurance products through the bancassurance channel. In addition, the bancassurance channel must clearly explain to customers the contractual responsibilities of the insurance products, the protection of benefits, the calculation method of cash value and the surrender loss.

When did it happen?

Within 15 days of the cooling-off period, you can surrender the policy in full at the branch of the bank where you purchased it.

My mom was past the hesitation period when she got the insurance contract.

After the 15-day hesitation period, the policy will be surrendered in full, and the bank and the regulatory authority CBIRC will appeal to the bank that purchased the disorderly insurance and the regulatory authority, the China Banking and Insurance Regulatory Commission.

My mother won't operate Zheng Jiliang or anything like that, and she doesn't know about it. She didn't understand Mandarin very well, but my mother didn't understand the audio at the time, they only asked my mother to say yes, okay.

The cooling-off period is calculated from the date of receipt of the policy contract and the completion of the return visit (electronic policy or paper policy, or electronic return visit).

I have a recording screen here, and I have complained so far, and the insurance side said that as long as there is a violation, they are willing to return.

A return visit was made on the same day.

Well, record the screen and communicate with the insurance company to confirm first.

Then you can appeal to the regulatory authority, the China Banking and Insurance Regulatory Commission or the banking and insurance regulatory bureau of the city.

What needs to be done now is to find the insurance company's point of violation.

The CBIRC accepts and processes the processing within about 7 days.

It's not the insurance company's problem, it's the bancassurance channel, it's the bank.

Your family bought it through the bank's office.

The bank has obtained the qualification to sell insurance products, and the insurance company verifies that there is no problem, and you complain to the bank to the CBIRC.

It is a violation of the grievance ** agency.

It's not an insurance company violation.

Because at that time, the family was insured at the bank on the same day, and the electronic return visit of the policy was completed under the guidance of the bank staff.