The kind of insurance that the Agricultural Bank has done for two years, and it can only be taken ou

No, you can only wait for the expiration date and then deal with it yourself.

No, this insurance cannot be changed unless the policy is surrendered.

Under normal circumstances, it is not possible to change the name of the household, because you have already gone through the formalities, that is, you have signed the contract, so you can only wait for five years to come.

The fixed deposit business provided by the Agricultural Bank of China can be renamed again if it matures after five years.

This should be able to be exchanged for rich people, and you can apply to change the name of the household.

If the business has been successfully handled, it is not possible to change the name, and the insurance has a one-month hesitation period, you should pay attention to it.

The Agricultural Bank of China has been insured for two years, and the money saved for five years cannot be withdrawn, if the deadline is not reached, because this is your agreement, and you cannot change the name of the account.

As long as you have insurance with the bank, you cannot change your name during this period.

Of course, you can't change the name of the insurance that you have already handled. You can go to the insurance company and ask if you can change it.

The kind of insurance that the Agricultural Bank has been running for two years can only be taken out after five years, and the name of this kind of insurance cannot be changed in the middle.

The kind of insurance that the Agricultural Bank of China has handled for two years, and it can only be taken out after five years of deposit, and it is possible to change the name of the account, but you need to go to the bank window to handle it in person.

The kind of insurance that the Agricultural Bank of China has been running for two years, and it can only be taken out after saving it for five years, and it is possible to apply to the insurance company for a win-win situation.

This is not necessarily, the bank sells non-principal-guaranteed insurance and wealth management products, which means that the principal is at risk, and even the bank is not clear about whether there is a risk of losing the principal after maturity. There is a loss of principal, how can we talk about benefits? Remember later!

The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and government bonds. Therefore, participating insurance is to defraud customers of their money in the name of insurance.

Insurance mainly reflects the attributes of insurance, and the income may be slightly lower than that of bank deposits;

Some insurance yields are slightly higher than bank deposits, but the flexibility of funds is poor;

There will be a lot of loss when the insurance is redeemed early;

Read every clause and paragraph of the insurance contract carefully before purchasing;

This type of insurance is classified as bancassurance.

Bancassurance: Bancassurance is the cooperation between banks, postal services, ** organizations and other financial institutions and insurance companies to provide products and services to customers through common sales channels;

Bancassurance is the mutual integration of different financial products and services, complementing each other and developing together; As a new type of insurance concept, bancassurance reflects the strong cooperation and interconnection between banks and insurance companies in financial cooperation.

This method first emerged in France, and the Chinese market has just started;

Compared with the traditional insurance sales method, its biggest feature is that it can achieve a "win-win" situation for customers, banks and insurance companies.

At least don't lose money, but for 10 years, your money is almost immovable!

How can I come out and ask for answers.

You can cancel the contract during the contract break, mainly depending on the terms, generally after the expiration of 5 years of continuous deposit, the bank will notify you to confirm and the interest (bonus) will be paid to your account together, and the loss of breaking the contract will be very large!

Can be terminated. It's just that the policyholder will have a certain loss financially. Surrender is calculated based on the cash value stated in the contract.

On the first few pages of the insurance contract, there are a few notes about the cash value. Or you can go to the IA. Did you be tricked into being an elderly person or a disabled person?

You have to come up with strong evidence.

Insurance can generally be learned, as long as you go to the bank to go through the surrender procedures.

Termination. But part of the money is deducted.

Agricultural Bank of China** insurance business, specific insurance information is recommended that you read the insurance contract, or directly contact the staff of the insurance company.

Hold expiration.

The fact that the fixed deposits of banks have become insured is mainly due to the misleading of bank staff. Be cautious about deposits, whether it is a fixed deposit or a wealth management product, you should see whether the final payment of the contract is a bank or an insurance company.

When the bank signs a business contract with the depositor, the staff should give a detailed explanation to the depositor, and should not create a false impression that the depositor will misunderstand. If the contract was concluded due to a misunderstanding, the parties may withdraw from the contract within one year. If the statute of limitations has expired for one year, it will become more difficult to defend rights.

Therefore, the public should be cautious about deposits, and it is best to ask in person about other business handling, insurance products are different from bank fixed deposits and other wealth management products, although they have certain investment functions, but they are still insurance products. When consumers purchase wealth management products, they should carefully read the contract and see whether the final payment of the contract is a bank or an insurance company, which is the most direct basis for judging whether the bank business or insurance business is handled.

Hello, first of all, you should have been fooled.

The insurance company has a business called the bank**, that is, the bank sells insurance, the bank is responsible for recommending to the customer, the insurance company salesman squats in the bank for sales, and after the transaction, the bank takes a certain amount of fees.

It's a good business, and it's all about making customers believe in insurance more.

However, many salesmen use it to mislead customers, which is embarrassing.

But don't worry about the building, since you have deposited, don't return it, usually we will deposit in the bank for 5 years. In fact, the potential benefit cycle of the insurance company's bank wealth management products is 10 years.

If the building is in urgent need of money, then I think it will be a tragedy, because bank insurance and financial management generally return to capital in 6 years.

But if the building is not in a hurry, it is recommended to take it after 10 years, and the benefit is higher than the bank deposit for two five-year periods! (For now, most companies can maintain this level of dividends).

The money will not be gone, so rest assured!

I can't take it now, and now I have a big loss to take it, and I can't even get the capital back, so I can only wait for the expiration date.

Hold it to maturity, the money will not be gone, but the yield may not be as high as you think. If you get it back in advance, the loss is estimated at 20% to 30%, which is not cost-effective. Of course, if you are really in a hurry to use the money, you can apply for a surrender policy, or a policy mortgage.

These need to be handled by the insurance company. A bank is just a distribution agency. The bank has nothing to do with any problems with insurance.

1. The bank has cooperation with the insurance company, so the products purchased or deposited in the bank are bancassurance products.

2. Bancassurance is formal, legal and effective, and the policy value is calculated according to the cash value and dividends taken according to the provisions of the insurance clause, so the money stored in the bancassurance product can be withdrawn in accordance with the surrender or cash withdrawal process stipulated in the contract. If you want to withdraw cash, you can go to the counter with your ID card, bank card and insurance contract.

3. The insurance product that can be withdrawn by the general bank is universal insurance, and the fixed deposit will have the interest rate of the fixed deposit, and the current interest rate will be followed if the money is to be used, but there are handling fees and account management fees for cash withdrawals and monthly withdrawals.

4. The insurance salespeople in the bank are not directly related to the bank, and usually use the bank's credibility in the hearts of the people to promote products, and some have sales misleading, as for the severity of the misdirection is related to the personal quality of the salesperson.

5. Although the product is general, it is in accordance with the law stipulated in the terms of the contract, and the money will not be lost, which can be assured, but if it is withdrawn in advance, it will have an impact on the income, it is recommended that you take a good look at the terms and interests of the contract, or you can consult relevant professionals.

I saved for three years, and now I want to take out the money for two years.

Bank wealth management and deposits are different investment methods, and the differences are as follows:

1. Security: Banks' wealth management products are usually not guaranteed by the deposit insurance system and are not protected by the deposit insurance system, while deposits are guaranteed by the deposit insurance system.

2. Yield: The yield of bank wealth management products is generally higher than that of deposits;

3. Nature of wealth management: bank wealth management belongs to investment, and deposits belong to savings;

4. Threshold: Bank wealth management products generally have a minimum deposit requirement, but deposits do not.

Figure out whether it is financial management or savings, and forget about financial management.

There is financial insurance, but you should pay attention to the details and don't be careless about your own rights and interests, the benefits are only one aspect.

No points??? I'll do the math for you, landlord.

The unit is 10,000 and the annual interest rate is x

Then calculate the formula.

1*(1+x) 5+1*(1+x) 4+1*(1+x) 3=let t=1+x

Then t 5 + t 4 + t 3 =

By bringing in the t, which is between and , x is the number between 2% and 3%, which is very much in line with the bank's rogue rate, so don't worry.

You have to ask clearly, is this a guarantee that you will not lose, and some of them are investments, and they will drop at any time.

The five-year fixed deposit of the Agricultural Bank of China belongs to the insurance category, which is a misunderstanding. Bank deposit fixed is to ensure the principal and interest, and insurance products are non-bank products, should be the bank and insurance companies to promote the product, similar to savings dividend insurance, this kind of products are usually unstable, compared with bank deposits are not high, early withdrawal will also be difficult, it is recommended that the bank deposit business please confirm the type of product, do not confuse insurance and deposits.

Extended information: 1. Bancassurance, referred to as bancassurance, that is, insurance companies develop business with the help of bank outlets. Today's insurance, especially medium- and long-term participating life insurance, is similar to large, long-term mandatory savings. It is true that the ratio of income to bank demand deposits will be a little higher, but it is difficult to say that it is compared with long-term deposits of more than three years.

Moreover, the dividend income of insurance is uncertain, and it should be determined according to the operating conditions of the insurance company. The bonus presentation of the insurance does not have any legal effect on its own and can only be used as a reference at best.

2. The "Insurance Law" stipulates that the salesman must explain the risk of the insurance when selling the participating insurance, and there can be no indication of promised returns. However, in the actual implementation process, the salesman is likely to violate the relevant regulations to mislead the customer for the sake of performance. Moreover, the biggest drawback of insurance compared with deposits is that it is less flexible, unless you get the maturity insurance money stipulated in the contract when it expires, you have to take the money and can only choose to surrender the insurance.

The loss is very large if the policy is surrendered. If you have paid for 2 years, it will be refunded to you according to the cash value of the policy; If it is less than 2 years, you will be refunded the premium after deducting the handling fee. Either way, you're probably going to lose 50%-70% of the fees you've paid, which is a huge loss.

This is the biggest disadvantage of insurance over bank deposits, and many salesmen will deliberately conceal this when selling, so that disputes over such events often occur.

Question: Is the insurance and financial management of the Agricultural Bank of China reliable for five years?

The bancassurance products deposited by the Agricultural Bank of China for 5 years are safeguarded, and the bancassurance products bought at the Agricultural Bank of China are the insurance products sold by the Agricultural Bank of China, and the Agricultural Bank earns the handling fee income, and the insurance company ultimately bears the responsibility for the redemption of the products. Generally, large insurance companies are fine.

If you buy a product for 5 years, it is equivalent to a medium and long-term investment, and the income must be relatively high.

Question: If you buy 100,000 yuan a year, 500,000 yuan in five years, can you take out the principal with interest after five years?

The principal of 100,000 yuan can also be withdrawn, but the interest will be calculated according to the current account, and the interest on the current account is quite small, even if the bank goes bankrupt, 100,000 yuan can also be withdrawn.

Question: But I'm buying insurance.

If you surrender the policy early, you will be charged a penalty! I saw those on the Internet, and I was afraid of being deceived.

Why don't you speak, you've received the money.

Answer: ABC insurance is the insurance product of the bank, can not be withdrawn in advance, then the handling fee will be deducted, if you buy for personal reasons want to surrender the policy, you can unconditionally surrender the policy within 10 days hesitation period, 10 days without loss.

The question is past the hesitation period.

There are a lot of problems with bancassurance. If the explanation is not in place, it is easy to mislead you. If you buy insurance, it is recommended to go to the insurance company.

If you want to save money, you should save it steadily. This kind of bank insurance can be taken even if it is 5 years old. It will not be more than the interest on the deposit.

And you may not be able to take it out.

There are a lot of things, you can take it after five years, it's just that they fool you into applying for insurance! To apply for insurance, you have to go to the insurance company!

What is the name of the insurance on the insurance contract?

In terms of formal procedures, it is now necessary to deduct the cash value for withdrawal. Each type of insurance has a different cash value, which can be referred to on the policy. In addition, if you need money urgently, you can also use the policy as a pledge loan, and now the interest rate is not high, maybe the cash value lost will be more than the interest you take.

If it's not formal, it's hard to say.