Is Chinese Life s dividend insurance in the Postal Savings Bank risky?

I don't know if you have purchased China Life Fortune Insurance (Participating). The duration of this insurance is 6 years, and the contribution period is 3 years. After three years of payment, there is no need to pay the fee again.

The policy is insured for 6 years, and it can be withdrawn after the 6-year period. Maturity Premium, Basic Sum Insured, Contribution Period (Number of Years). For example, if you are 36 years old, choose an insurance period of 6 years, pay an annual fee of 10,000 yuan, and pay a premium period of 3 years, the insurance amount is 10,590 yuan.

At maturity, your maturity payment is: 10590 * 3 = 31770, from this data shows that you can receive a fixed amount of money at maturity, is 31770 yuan, so that there is no such thing as you are worried about waste, and there is no loss of principal. And this 31,770 yuan is not including 6 times of dividends.

The amount of dividends is only known when the specific dividends are distributed. You will be able to make an enquiry when the effective date of the policy year has expired. With this participating insurance, there will be no loss of your principal as long as you receive it at maturity.

The loss is only possible that there will be one or more periods of zero dividends, and the maturity of 31,770 yuan is not affected by the dividend. And at present, the company has not had zero dividend distribution.

Theoretically, everything is risky, but to varying degrees. If you understand the insurance contract and perform according to the insurance contract, your money is safer in the insurance company than in the bank. In general, bancassurance and bank interest rates are about the same or slightly higher, depending on the specific company and product.

Don't surrender in between, if you surrender the policy, it's like you filing for divorce, and there will be a price to pay for default.

Generally speaking, bancassurance is safe, you have to look at the contract, you just understand it as a fixed passbook. If you want to change the current account, there will be varying degrees of loss.

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.

Summary. Hello, this participating insurance is safe, and you can get back all the principal and interest after five years.

Hello, is it safe for me to save Zhongrong Life Participating Insurance for 5 years in Postal Savings last year?

Hello, this participating insurance is safe, and you can get back all the principal and interest after five years.

In the sixth year, you can withdraw all the principal and part of the interest, but the insurance is terminated. The insurance is reliable, but this is a participating insurance, the use value is not high, and the buried and mature interest 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 bring the liquid to find the 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 stupid years, and you can 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.

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 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

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