Fixed deposits become insurance Ask a professional to come

Hello, I would like to ask? Did you go with your mom when she saved money in '08? There is a fixed deposit certificate for deposits!

If not, why didn't you ask it at the time? Based on what you just described, I know you didn't go! The scene might have looked like this:

Your mother went to the bank to deposit money, and the teller heard that your mother had deposited 3w. I recommended a bancassurance product to your mother! Say, it will exist for a total of 5 years, and after 5 years, it will be more regular than 5 years!

I think your mother was only thinking about this sentence on a regular basis, and didn't pay attention to saving for a few years! Later, your mother felt that she could, and at the same time, the counter clerk printed out the receipt and asked your mother to sign for confirmation! Finally, the teller may have said something to your mother:

Within working days, take the bank receipt and go to the insurance company to get the official insurance document! If you don't say it, he is an unqualified bank insurance ** person! What I want to say is that it is possible that the bank staff was misleading, and it is also possible that your mother forgot about the situation at that time, after all, it has been 3 years!

Oh, and you can get your principal back, but the benefits will be reduced! If you don't use it urgently, it is recommended not to move! Save for 5 years!

Then you have to look at what type of participating insurance you have.

Listen to you should be a bancassurance product.

In fact, this is not a lie, but some people have not made it clear.

I thought the interest rate was high, so I saved it.

There's nothing wrong with participating insurance.

There is nothing wrong with the insurance industry.

Throughout the world, there is no country that says insurance is illegal.

If insurance is a lie.

I would like to say, let's go and learn about insurance.

Or you tell your employer not to pay social security for you.

These are powers.

If you deposit for three years, it is similar to a bank fixed deposit, but it may be a little less than a fixed deposit. It is recommended that you save for 5 years, in which case it is better than fixed deposit. If you want to take it out halfway, it is not cost-effective, and you will lose the cost.

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.

Why did a fixed deposit in a bank become insurance? Because I think banks are selling insurance right now. I think they are misleading the bank's fixed deposits into insurance without the depositors' knowledge, because they have a track record in this way.

Why did a fixed deposit in a bank become insurance? I think that now a lot of deposits in banks have become insurance, so why have the fixed deposits of banks become insurance? I think that a lot of bank deposits have become insurance, and people don't dare to save money.

Why did a fixed deposit in a bank become insurance? In fact, you have a lot of staff when you make a deposit, he will introduce you to some insurance, when he asks you to fill in the form, you must pay attention to whether it is insurance or time deposit, he must be the staff at that time, he signed the list for you is insurance, not a fixed deposit, you must pay attention to it in the future.

If the bank does not pay attention to the insurance and wealth management, it may be misled, thinking that the wealth management products you buy will end up buying the insurance.

This is likely to be your regular passbook, there is a kind of insurance, so it will become insurance, you should go to the bank to check what the situation is.

Insurance and fixed deposits are two types of wealth management products. Insurance is risky, and you can only enjoy insurance benefits after paying a certain amount of money every year. Fixed deposits are risk-free, the bank will pay a certain amount of interest to the depositor, which can be withdrawn at maturity, even if it is not due, and the interest is calculated as a current account.

The first feeling is that you have been cheated. Hurry up and surrender the insurance to return the money, save a fixed term or anything, according to your own wishes. Generally, there is a regret period for insurance, and it is too late to return it. Hope it helps.

You should have been fooled by the bank's sales insurance officer, so the deposit became insurance. But there should be no risk, as long as the time comes to withdraw the money.

If you surrender the policy within the 15-day hesitation period, it will be a full refund, and if you exceed the hesitation period, you need to deduct the storage fee, which is very expensive and not cost-effective. Insurance is the least risky way to manage your finances.

There is no risk but the time will be longer.

Nowadays, many people will save their money or buy some financial products.

Now that the fixed deposit has been converted into a life insurance wealth management deposit, what should I do in this situation?

In this case, in fact, it may be because of a mistake in the contract, that is to say, the contract may be signed because of a mistake, then in fact, this process can allow everyone to revoke, the parties can propose to revoke the contract within one year, you can first go to the bank's counter for consultation, because you choose a fixed deposit, and now it has suddenly become a kind of financial insurance, you will definitely feel very helpless, but insurance products are different from bank fixed deposits, Although they all have investment functions, insurance products are still a type of insurance products.

Since you originally handled a fixed deposit in the bank, and now it has suddenly become a financial deposit of Renshen Duan Life Insurance Company, then in this case, you must be cautious, you can contact the corresponding personnel of the life insurance company, and give feedback to the personnel about your problems. Then you can follow the corresponding actions of the business personnel of the life insurance company. Generally speaking, this situation should not happen in real life, but I also searched on the Internet, and found that there are really some netizens who have this kind of emotional blind belief, and after this situation occurs, it can also be solved, because this is not operated by you personally, and the insurance company will help you solve this problem.

I think you have to be careful with this as well, because it can take a long time. But I think this problem can definitely be solved, everyone just needs to deal with it according to the relevant team rotation, and you can contact the relevant personnel in advance to communicate.

Take the bank to court, hire a good lawyer to win the lawsuit, and let the bank bear all the costs. Truthfully communicate the situation with the lawyer's banquet, and the waiter will only get your money back if you win, and the cost will be borne by the losing party. So get a good lawyer.

In this case, you can consult the manual customer service, whether it is to help you buy the jujube for the rough purchase of the cavity and let you check, so it leads to the fact that the general life financial insurance deposit has a daily rotation period, and this situation should be consulted well, which is different from ordinary regular financial management.

I think you need to go to your local life insurance company for some consultation to see if you can transfer back to the fixed deposit.

Then you should go to Daku to find the corresponding work to solve this matter, if you are particularly unwilling, you should look for a particularly good solution to solve it.