Postal Savings Pacific Dividend Insurance for 5 years, what about the income after expiration?

Clause. 1. Pacific Insurance is a product of Pacific Insurance Company, and Postal Savings is only a consignment sale.

Clause. Second, judging from the current insurance market situation, if you can hold it for 5 years, you should have a better return.

Clause. 3. If you need to withdraw money in advance within 3 years, you are likely to face the risk of losing your principal.

Clause. Fourth, all earnings are not related to the period, so strictly speaking, there is no comparison, and it cannot be so comparable. If the salesperson compares the regular interest with the insurance income or promises that you will earn as much as you can in a few years, it is expressly forbidden by the state.

The return at maturity of the insurance will be lower than the bank's 5-year fixed income.

The reason for this is that insurance deducts costs such as the cost of protection and the operation of the insurance company.

When there is no business, the interest rate of the bank deposit fixed for 5 years is higher than that of the insurance for 5 years.

When there is something, the insurance company will pay several times and dozens of times the principal.

That's the difference between insurance and bank deposits.

Hello, if you have purchased insurance, the money is handed over to the insurance company for operation, and the specific income after maturity depends on the actual operating results of the insurance company.

This kind of post office bank wealth management products as a guarantee is only personal protection, and the money you pay is about the same, but it is higher than the cash value, and in the long run, it is slightly higher than the time deposit.

I have a relative who has bought it before, and if it is withdrawn at maturity, it is a little higher than the normal term.

Hello, this is reliable, you can withdraw all the principal and part of the interest in the sixth year, but the insurance is terminated. Insurance is reliable, but this is a participating insurance, the use value is not high, and the interest due will not be much higher than the time deposit, after the expiration or withdraw money from the bank, if there is a claim in the middle, you need to find an insurance company. And this kind of insurance is generally only compensated for death or disability, the amount of claims is not high, in general, the use value of the bank's policy is not high, and you can't withdraw money in the first few years, you can only take it after two or three years, if you take it out in advance, it is likely to be a loss, only after the expiration of the dividend and interest, after taking out the insurance is also terminated, if the insurance expires and then the income will be very high, I hope I can help you.