The relationship between China Post s deposits and life insurance is urgent

China Post Bank and Chinese Life are two independent companies in different fields, one operates banking business, one operates insurance business, in China Bank Insurance is operated separately, China Post can only be ** Chinese Life Dividend Insurance, should clearly know that bank deposit is bank deposit, insurance he is insurance, the difference between the two is very clear, that dividend insurance he is an insurance product, since in the bank **.

You were misled by the service staff to apply for insurance, insurance has nothing to do with the deposit, if you think the insurance is good, keep it, if you don't want to complain, maybe you can get a full refund.

I guess they use your money to buy insurance for 5 years. You give money for 5 years at a time. But insurance can only be paid annually, and they help you pay the money every year!

The post office sells the products of the insurance company, and the relationship between the two is **.

You may have persuaded the staff to buy a short-term dividend policy

The bank's products are safe.

For this product, you must first have a correct understanding of the revenue aspect. Income is divided into, fixed income, plus dividends, plus compound interest and interest. The fixed one is in your contract, you can see the final cash value, the dividend is not fixed, floating, depending on the company's efficiency, the insurance regulatory commission stipulates that 70% to the customer, which you can rest assured.

So you have to ask how much money you get separately, and no one will know. Therefore, this kind of product will be saved and expired.

Extended Materials. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Insurance is intended to be a safe and reliable guarantee, and then extended into a security mechanism, a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer"；From a risk management perspective, insurance is a method of risk management. Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability insurance, and credit guarantee insurance.

An insurance contract is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract. An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

In a practical sense, buying insurance is a manifestation of a person's sense of responsibility to the family. Buying insurance is not for yourself, but for your family to get more protection, even when you encounter risks, your family members can get the insurance company's compensation to reduce financial losses. Insurance is like a protection mechanism, when one day you can't take on the family responsibilities, the insurance company will be responsible for paying and helping you to share the burden. _

The life insurance policy recommended by the bank should be relatively safe and secure, but insurance and financial management are always risky, so you should think carefully before buying.

The Postal Savings Bank of China called depositors to squat happy life insurance, and the insurance company paid dividends for five years to ensure the safety of the principal of the deposit? In general, China Post, the policy issued by the Postal Bank and this deposit, I don't think it can be deceiving, but you have to be cautious about happy life insurance.

This is not safe, this will only be known at that time, so some insurance is not necessary, and it may not be as effective as they say after it is on.

Hello, Postal Savings Bank's life participating insurance can be taken when it expires. When the participating insurance expires, the policyholder can generally bring his ID card, policy and other information to the insurance company to go through the collection procedures, or he can also ask the insurance company to pay the participating insurance money into the bank account designated by the policyholder. Generally speaking, the participating insurance has dividends that can be received every year, and the policyholder can receive them according to the time agreed in the insurance contract, or he can put the dividend money in the account to get interest, or he can use it to pay the next year's premium.

Summary. Hello, the happy life insurance company you purchased will pay dividends for five years, and the guaranteed deposit principal is safe, so don't worry about this.

Dividends for five years are wealth management products, not deposits. Wealth management products are risky, although the risk is low, and the possibility of loss of principal is even smaller. Under normal circumstances, the wealth management income will exceed the deposit in the same period.

Hello, the happy life insurance company you purchased will pay dividends for five years, and the guaranteed deposit principal is safe, so don't worry about this. Dividends for five years are wealth management products, not deposits. Wealth management products are risky, although the risk is low, and the possibility of loss of principal is even smaller.

Under normal circumstances, the wealth management income will exceed the deposit in the same period.

Hello, according to the system query, the Postal Savings Bank of China consignment of the happy life insurance company dividends for five years of insurance, if held for a long time, it can ensure the safety of the principal, you look at your insurance contract has a cash value table, which corresponds to the value of the first few years, that is, how much money can be withdrawn in the first few years. Of course, if the insurance is surrendered after a short period of time, the principal will be lost.

The correct explanation is as follows: Postal Savings Bank's life insurance participating insurance can be withdrawn when it expires. Postal pick-up process:

1. When it expires (the insured), go to the insurance company to collect it. (Insurance policy.) Identity card.

bank cards). 2. Look at the insurance contract, and the insurance period will expire in a few years and a few years. 3. If you want to receive the insurance after the payment period expires, it is called surrender.

4. The cash value of the surrender policy. 5. The cash value of the policy is at the back of the contract and insurance policy, and the cash value corresponding to the first year is the surrender amount. 6. Prepare materials, insurance policy (policyholder) ID card, bank card.

Bancassurance can be roughly divided into: accident medical consumption, wealth management type term savings insurance At present, most of the bancassurance products sold are mainly wealth management dividend products.

Can I get it if it hasn't expired?

The life dividends of the Postal Savings Bank can be withdrawn when the group insurance expires. Postal withdrawal process: 1. When it expires (the insured), go to the insurance company to collect it.

(Insurance policy.) Identity card. bank cards).

2. Look at the insurance contract, and the insurance period will expire in a few years and a few years. 3. If you want to receive the insurance after the payment period expires, it is called surrender. 4. The cash value of the surrender policy.

5. The cash value of the policy is at the back of the contract and insurance policy, and the cash value corresponding to the first year is the surrender amount. 6. Prepare information and materials, insurance policy (policyholder) ID card and bank card. Bancassurance can be broadly divided into:

Accident medical consumption, wealth management type term savings insurance At present, most of the bancassurance products sold are mainly wealth management dividend products.

The policy has not yet expired, and there is a handling fee and redemption fee to withdraw the policy value.

You can go and pay a fee.