Postal savings can be withdrawn after three years of deposit and six years, and whether it can be wi

You can take it, but this product is not allowed to be withdrawn in advance, if you are forced to take it out, you can only return the amount reflected in the cash value table of the policy, and you can use the money to make a loan according to the policy, and the loan is also based on 80% of the cash value of the year. (The cash value is indicated on the second page of your policy).

This is the participating insurance business of the bank. This kind of business is a bancassurance product, which pays a certain premium every year for 3 consecutive years and matures in the sixth year.

This product is an insurance product, all of which are covered by accidental injury, and you can enjoy 1 time of total disability due to illness, 2 times of total disability for general accidental death, and 3 times of total disability for public transportation accidents. If it expires in 6 years, you will get all the premiums paid for 3 years + fixed benefits paid at each payment + 6 dividends for 6 years.

I saved 30,000 and didn't want to take it out, okay.

Summary. Hello, there is this thing, but it is not actually a deposit of China Post Bank, but a financial management of buying China Post Life Insurance, which is calculated according to the annual dividend of the insurance, and the specific income is subject to the actual situation.

China Post Life Insurance Co., Ltd. is a wholly state-owned life insurance company jointly funded by China Post Group Corporation and postal companies of various provinces (autonomous regions and municipalities). Headquartered in Beijing, the company was established on August 4, 2009 with the approval of the China Insurance Regulatory Commission, and officially opened on September 9, 2009.

Is anyone able to get it for three years and six years?

Hello, there is this thing, but it is not actually a deposit of China Post Bank, but a financial management of buying China Post Life Insurance, which is calculated according to the annual dividend of the insurance, and the specific income is subject to the actual situation. China Post Life Insurance Co., Ltd. is a wholly state-owned life insurance company established by China Post Group Corporation and provincial (autonomous region, municipal) postal companies with the same capital investment. Headquartered in Beijing, the company was established on August 4, 2009 with the approval of the China Insurance and Balance Insurance Supervision and Administration Commission, and officially opened on September 9, 2009.

Is there a risk of not buying?

I just want to save it, and there's no need to buy this insurance.

If you don't buy it, it won't affect your interests.

Hello, this is actually buying insurance, and this is a routine used by bank personnel to complete the task.

Okay. Is it cost-effective to save three years and withdraw six years of Chinese life insurance handled by post?

You are filial piety and smile, the Postal Savings Bank deposit for three years and six years to take this is a guarantee of cautious insurance, it is actually to let you increase every year, that is, you save 20,000 a year, 15,000 in the second year, and 15,000 in the third year, but you can only take out this money in the sixth year, the interest in the middle is relatively high, if you don't use money in the past few years, there is no problem, if you want to use money, then it is not recommended, because it has a long cycle.

Postal savings deposit for 3 years and 6 years is not bank savings, in fact, it is insurance business, and deposits become insurance is a common routine of the postal service, and it is done in cooperation with insurance companies. It is the most disgusting practice of the people, and it is also the hardest hit area of complaints. Postal savings were also fined for this.

Generally, it is aimed at the elderly and rural people who have weak discrimination ability and poor awareness of rights protection. Even if the elderly suffer losses, it is difficult for them to have a sense of rights protection, and most of them consider themselves unlucky, and postal and insurance companies are aware of this. The postal service can get a lot of ** fees from the insurance company (commonly known as the big account), and the postal employees can also privately receive the benefits of the insurance company (commonly known as the small account).

In the face of interests, deposit customers become prey. However, the wool is out of the sheep, and these expenses are all from the customer's premium, and the consumer has become the biggest wrongdoer. In addition, weak supervision and small penalties also condone this practice to a certain extent.

There are also times when I go too far, and I go to the Banking and Insurance Regulatory Bureau, and the result is that the fine is served, but I understand that people are a minority after all.

1. Exaggerate the protection responsibilities or benefits of insurance products, or conceal the uncertainty of the benefits of new products such as dividend insurance, universal insurance and investment-linked insurance.

2. False publicity of relevant laws, regulations and policies.

3. Promote insurance products in the name of free insurance.

4. Package insurance products as wealth management products, trust plans, pension real estate investment, equity investment projects, etc.

5. Falsely publicize the shareholders, business conditions and past business results of the insurance company, and publicize the suspension of the sale of products, but the actual sales have not been stopped.

6. Concealing the exemption clause in the insurance contract and concealing the losses caused to the customer by surrendering the insurance contract in the middle of the insurance contract.

7. Concealing the actual insurance period, payment period, and the consequences of not paying the premium on time.

8. Concealing the observation period (waiting period) of health insurance products and the impact on the rights and interests of policyholders; Concealment of the cooling-off period and the rights of the policyholder during the cooling-off period.

9. Use ratio indicators such as dividend rate and settlement interest rate to make a simple comparison with the yield of other financial products such as bank deposit interest rate and treasury bond interest rate; The concept of confusion confuses insurance products with bank deposits, bank wealth management products, and investment products.

Summary. Hello, dear, the 20,000 yuan a year you said and the deposit for 5 years is not a deposit from the Postal Savings Bank, but an insurance purchase. Because the Postal Savings Bank does not have such a deposit product.

The Postal Savings Bank deposits 20,000 yuan a year, deposits for 5 years, has been saved for 2 years, and is there a loss when it is withdrawn in the 6th year.

Hello. Hello, dear, what you said about 20,000 yuan a year and saving for 5 years is not a deposit made by the Postal Savings Bank, but a purchase of imitation insurance. Because the Postal Savings Bank does not have such a deposit product.

Whether there is a loss in the 6th year depends on which insurance product you have purchased.

If the cash value of the 6th year is greater than the accumulated premium, then there will be no loss in the 6th year.

If the cash value of the policy in the 6th year is less than the accumulated premium, and the insurance contract is surrendered in the 6th year, the first loss of funds will be lost.

Because this information of yours must be an insurance product purchased, which is an insurance product sold by the Postal Savings Bank**.

When they told me, they can take it all out in the 6th year.

Have you read the policy contract? Kiss.

Didn't care. Dear, you pay 20,000 yuan a year, and this for 5 years must be an insurance product of the insurance company.

If it is an increased whole life insurance purchased, with a payment period of 5 years and an annual payment of 20,000 yuan, then the cash value in the 6th year will be greater than the premium of Wu Jue, and there will be no loss of funds.

Moreover, the longer the whole life insurance, the higher the cash value and the greater the income.

However, the Postal Savings Bank will also sell many other liability and insurance products, and some survival annuity insurance will be needed to recover the capital.

Thirty or forty years.

I bought whole life insurance.

Well, that's fine.

The cash value of the increased whole life insurance will increase year by year, and at the end of the payment period, the cash value will be greater than the insurance premium paid.

She said it was bancassurance.

It's bancassurance. The so-called bancassurance is the sale of insurance products through banking channels.

Because banks are qualified to sell insurance products, insurance products sold through banks are called bancassurance.

The insurance products sold through individual salesmen are called individual insurance.

There are also those who buy from Internet channels, which are called online sales.

Is that a loss.

Bancassurance is just a sales channel<>

There is nothing to lose in the sixth year of this product for you, and there will be no loss.

You can rest assured that you will not lose the principal when you surrender the policy in the 6th year.

However, the cash value of 6 years will not exceed the premium, and the income is not as good as the bank's fixed term.

Increasing whole life insurance is a medium- to long-term asset plan, just like old wine, the longer it lasts, the more valuable it is.

The cash value of insurance products will grow at a slower rate in the early stage.

Summary. Dear, hello, I am happy to answer for you, in the postal service a year to save 20,000 for five years and the sixth year to take out the reliable. The fixed deposits launched by the postal bank are still very reliable to guarantee principal and interest, but the interest is not high, and the fixed deposits of the postal bank have a history of many years.

Dear, hello, the rock lead is very coarse, I am happy to answer for you, save 20,000 a year in the post for five years and the sixth year to take it out and reliable. The fixed deposits launched by the postal bank are still very reliable to guarantee principal and interest, but the interest is not high, and the fixed deposits of the postal bank have a history of many years.

Dear, the Postal Savings Bank of China disturbs the base of the fixed deposit this Li Lao is safe. The Postal Savings Bank is a state-owned enterprise, and it has purchased insurance for depositors, and the amount of deposits is less than 500,000 yuan, and the funds are absolutely safe. The Postal Bank of China is an institution approved by the state and supported by the state.

At the same time, the Postal Savings Bank of China is the fifth largest bank in China, and is the personal financial service network with the widest range of urban and rural outlets and the largest number of transactions, with 10,000 business outlets.

Can all the 100,000 be taken out at that time?

Dear, the fixed deposit can be withdrawn in full when it matures, and there is no limit.

It's insurance. They said it could be taken out.

Dear, if it is insurance, it is unreliable to balance the front or cavity, because there are more regulations set by insurance, and you must meet the relevant requirements before you can take out the money in the silver shirt, and if you do not meet the requirements, you will not be given.

This is said to be stored for five years, and it can only be taken out in the sixth year.

Dear, it is recommended not to save the insurance to take the town, to put it bluntly, it is to buy five years of insurance, and then you have to meet the relevant insurance requirements to take out the money.