How about buying dividend insurance by postal service, can you buy insurance products from postal ba

Postal sales of dividend insurance is reliable, many bank business halls and postal savings halls will have a lot of bancassurance personnel to promote insurance products, this is actually an insurance company sales method, we in the postal dividend insurance, is still signed with the insurance company, the policy has legal effect, the insurance company will bear the responsibility in accordance with the terms of the contract, so it is also possible to buy insurance in the post. But if you want to buy insurance in the postal service or bank, we also have to be cautious and pay attention to these points: What about bancassurance?

Be cautious with all this content!

Then let's talk specifically about dividend insurance, the dividend of dividend insurance is based on the actual operating conditions of the dividend insurance business in the previous fiscal year, mainly based on the distributable surplus of the insurance company's operating income in the dividend insurance, and then the insurance company distributes dividends in proportion to the share, so people with financial needs can consider taking out dividend insurance to manage their finances.

It should be noted that the dividend income of participating insurance is uncertain, because as consumers, we cannot know the operation of the insurance company in advance, nor do we know how much share of the product is, and how much dividend we can get in the end. As a result, participating insurance does not have a fixed rate of return, and we, as consumers, cannot accurately calculate its rate of return. Whether to buy participating insurance or not, you still have to understand this type of insurance clearly, and then judge according to your own situation:

Why are there so many complaints about participating insurance? Demystifying the mystery of participating insurance.

The protection function of participating insurance is also relatively weak, and compared with pure protection insurance, the protection liability of participating insurance is often short. Therefore, if you want to buy insurance, we must first make sure that we have fully protected ourselves, and then we have enough spare money in our hands before we consider taking out participating insurance. This article summarizes the introduction of common protection insurance, you may wish to understand it, and you can also know how you should buy insurance appropriately:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim? What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim?

The so-called postal dividend insurance is actually the dividend product of the insurance company, but the insurance company with the help of the bank this platform to sell, the dividend insurance has no fixed interest rate, most of the dividend insurance has a part of the amount can be fixed return, the other part is the dividend, the dividend is determined by the income of the insurance company, if you want to buy dividend insurance, choose a strong insurance company, preferably a listed company, if you want to know how the interest rate of the insurance you buy, please find the professionals of this insurance company, For the specific explanation of the product, the bank staff will not be too clear.

Generally speaking, it is reliable to buy insurance products in the postal bank, there are many ways for us to buy insurance, and buying insurance through the bank's ** channel is one of them, no matter which channel to buy insurance, we are directly accepting Yuanpei to sign a contract with the insurance company, and the content of the protection is subject to the terms and conditions, which is legally effective.

Friends who don't know about bank insurance, you can take a look at this article: How about bancassurance? Be cautious with all this content!

Usually there are many ways for us to buy insurance, and generally we divide the insurance channels into online channels and offline channels.

Online channels mainly include insurance company officials**, apps, insurance**, third-party insurance**, such as Ant Insurance in Alipay, etc.; Offline channels are mainly the strength of insurance companies, insurance companies, etc.

Generally speaking, the insurance company's own official website, APP, and Dongwei Insurance** basically only sell their own insurance products, and for consumers, the products they can choose from are limited, while the third-party insurance platform generally sells the products of multiple insurance companies at the same time, and the products we can choose will be relatively rich.

However, the senior sister would like to remind everyone that whether we apply for insurance through the postal bank or through other channels, we should not blindly follow the trend, we must first understand our own protection needs, and then choose an insurance product that meets our own protection needs.

There are many channels for insurance companies to sell insurance products, and some insurance companies will also sell insurance products through the Postal Judgment Bank. Therefore, the insurance products of the postal bank are often reliable and can be purchased.

Hello, reliable, 1, short-term surrender loss: is this dividend insurance, if you look at the short-term income, any annuity insurance, it is difficult to return the principal during the payment period, the general financial insurance, 3 years to pay 5 years to return to the principal, so if the surrender in a short period of time, there is a relatively large loss; 2. Principal security: postal dividend insurance 5-year reliability, many consumers refer to the reliability of the dividend policy if it refers to the safety of the principal, which needs to be determined from the responsibility of the product, but some products have a long "payback period", but written into the contract, can only say that the principal is safe, but the payback period is not easy to say; 3. Profitability:

Whether a participating financial insurance is reliable or not depends on the profitability, and the income is only the expected income, and the dividends cannot be guaranteed. Therefore, the reliability of the 5-year postal dividend insurance is a more general statement, but from the design of annuity insurance or dividend financial insurance, the return speed generally needs to wait until the expiration of the payment period to return to the capital, some even longer, the profitability is generally expected income, but if you buy the opening products of major insurance companies, with the blessing of universal accounts, it is expected that the future income is a two-wheel rolling, which will be better than the dividend products with only the main insurance.

Summary. Hello, postal savings insurance is mainly based on short-term insurance and financial management, so users need to pay attention to the future income of insurance - cash value and the actual interest rate of the universal account is high, you can buy it under the guidance of professionals, you can avoid being cheated. Secondly, the Postal Savings Bank is a large bank and has a reliable platform, so if you want to buy postal savings insurance, you can still buy it with confidence, but you must have an understanding of the insurance products before you start.

Is it possible to buy postal savings insurance?

Hello. Hello, postal savings insurance is mainly based on short-term insurance and financial management, so users need to pay attention to the future income of insurance - cash value and the actual interest rate of the universal account is high, you can buy it under the guidance of professionals, you can avoid being cheated. Secondly, the Postal Savings Bank is a large bank and has a reliable platform, so if you want to buy postal savings insurance, you can still buy it with confidence, but you must have an understanding of the insurance products before you start.

If you want to buy it, you can help me with your reference.

Postal Sunshine Insurance for one year, 10,000 for five years, can you get back the interest and principal after five years, and what should be the interest after five years.

Hello, postal sunshine insurance for one year, 10,000 for five years, after five years, you can get back the interest and principal, after five years of interest, save 10,000 per year, save for five consecutive years, you can get back the principal of 50,000 in the sixth year, plus 6210 interest.

Is interest taken in the sixth year? Or take it once a year. This is not the case with bank staff.

Take it in the sixth year.

When you take it, you just hit it.

You'll know when you take it.

After taking the principal and interest in the sixth year, it's over! Or put it for a long time and have more interest.

Not really. There is no interest on the back.

The bank staff said that for life. You can take it all out after five years, right?

Yes, you can take it out in five years.

Meaning I don't take a year 1750 why the bank sells sunshine insurance. Don't understand.

They're going to invest your money.

They take your money and make money.

Got it. Five years is different from you, what should I do.

Then you can look at other insurances again.

Or you can surrender the policy.

Ask about custom messages].

Summary. Hello dear. I am glad to answer for you, China Post 5-year dividend insurance is unreliable, for the reliability of dividend insurance, you can distinguish from three aspects:

1. There is a loss in surrender in the short term: it is this dividend insurance, if it is to look at the short-term income, any annuity insurance, it is difficult to return the principal during the payment period, and the general financial insurance is off to a good start, and the payment is 3 years and 5 years, so if the surrender is short-term, there is a relatively large loss;

2. Principal security: postal dividend insurance 5-year reliability, many consumers refer to the reliability of the dividend policy if it refers to the safety of the principal, which needs to be determined from the responsibility of the product, but some products have a long "payback period", but written into the contract, can only say that the principal is safe, but the payback period is not easy to say;

3. Profitability: Whether a dividend financial insurance is reliable or not depends on the profitability, and the income is only the expected income, and the dividend cannot be guaranteed.

Therefore, the reliability of the 5-year postal dividend insurance is a more general statement, but from the design of annuity insurance or dividend financial insurance, the return speed generally needs to wait until the expiration of the payment period to return to the principal, and some are even longer, and the profitability is generally expected income.

I hope my answer is helpful to you

Is China Post 5 Year Dividend Insurance Reliable?

Hello dear. I am glad to answer for you, China Post 5-year dividend insurance is unreliable, for the reliability of dividend insurance, you can distinguish from three aspects: 1. There is a loss in surrender in the short term

It is this dividend insurance, if it is to look at the short-term income, any annuity insurance, it is difficult to return the principal during the payment period, the general financial insurance, 3 years to pay the premium and 5 years to return the principal, so if the policy is surrendered within a short period of time, there is a relatively large loss; 2. Principal security: postal dividend insurance 5-year reliability, many consumers refer to the reliability of the dividend policy if it refers to the safety of the principal, which needs to be determined from the responsibility of the product, but some products have a long "payback period", but written into the contract, can only say that the principal is safe, but the payback period is not easy to say; 3. Profitability: Whether a dividend financial insurance is reliable or not depends on the profitability, and the income is only the expected income, and the dividend cannot be guaranteed.

Therefore, the reliability of the 5-year postal dividend insurance is a more general statement, but from the design of annuity insurance or dividend financial insurance, the return speed generally needs to wait until the expiration of the payment period to return to the principal, and some are even longer, and the profitability is generally expected income. I hope my answer is helpful to you

It's like this, in, dear.

I can guide you personally.

I am buying C participating insurance.

When did you buy it?

I'll give you an analysis.

How to buy participating insurance to maximize benefits.

You can get it back. According to the Interim Provisions on the Administration of Audio and Video Recordings in Sales Areas of Banking Financial Institutions, banks must synchronize audio and video recordings of the sales process of their own wealth management products and consignment products. If the bank does not have duplicate records when you purchase insurance, you can file a complaint with the CBRC.

If there is a dual recording, but there is a risk of exaggerating or concealing the product during the dual recording process, you can file a complaint. In both cases, there is an opportunity to receive full compensation.

Secondly, the principal will not be lost, and the risk probability of loss is very small. Normally, only "Investment-Linked Insurance" products do not provide guarantees. This type of insurance and wealth management products invests a certain percentage of funds in the market or type.

The market and the market are greatly affected by the ups and downs of the market, and the investment risk is very high, and there is a possibility of loss of principal. The rate of return given on the policy is not a fixed rate of return, but the actual rate of return is variable. The actual principal and interest that can be obtained after maturity will generally be lower than the expected rate of return, and the final interest rate of the same maturity deposit product will usually be comparable to the final interest rate.

In addition, in terms of dividends, there are two kinds of cash dividends and incremental dividends, and customers can only choose one of them. Bank staff, when recommending insurance and wealth management products, will generally give a higher commitment to the policy rate of return, but as a customer, we must understand that the rate of return given by the staff is not a fixed rate of return, but a floating rate of return, or an expected rate of return, which is also different from time deposit products, because the interest of time deposits during the deposit period is not affected by the rise and fall of interest rates.

Finally, the cash value can be recovered after the expiration of the ordinary participating insurance. When you can get back how much money, you can see the calculation of the "cash value table". However, it is important to emphasize here that the guarantee of principal does not mean that the principal amount can be fully refunded at any time upon surrender.

The premise of full protection is "expiration of service". A certain percentage of dividends and principal will be deducted, and this proportion is not low, generally reaching 50%.

The "get back" by the subject refers to the premium returned after the expiration of the participating insurance, right? However, participating insurance will not necessarily return the premium, because the protection content of each participating insurance is different, if you buy a participating insurance without a return function, then you will not get a refund after expiration. Therefore, on this issue, it can only be carried out through the protection content of the participating insurance that the subject bought in the post.

First of all, let's give everyone a science popularization of what is participating insurance. Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the previous fiscal year to customers in the form of cash dividends or value-added dividends in a certain proportion after the end of each fiscal year.

In other words, after purchasing participating insurance, consumers are eligible to participate in policy dividends, and may receive dividends from the insurance company's dividend business.

The advantage of participating insurance is that it can take into account part of the personal protection, so that the consumption type can obtain the probability of dividends, but there are also shortcomings in participating insurance.

First of all, the personal protection of participating insurance is relatively thin, compared with protection insurance, such as critical illness insurance, million medical insurance, accident insurance and other types of insurance, the personal protection setting of participating insurance may not be comprehensive enough, which is not friendly to consumers who pursue comprehensive personal protection.

The second is that the dividends of participating insurance are uncertain, because consumers do not know how much the amount of surplus distribution is, so the dividends of participating insurance are uncertain.