China Post and Pacific Insurance launched a fee free wealth management product

This is the bancassurance product of the Pacific Ocean.

I did Pacific Insurance.

Bancassurance is ok.

You'd better take a look at the flyer.

It has the name of this product on it.

Because there are many bancassurance products.

So can't be sure what exactly you are.

The interest rate of the bank is certain.

However, the income of insurance products is related to the insurance company.

As long as you have enough years in accordance with the contract.

It's definitely principal-protected.

The earnings of the Pacific were good in previous years.

In the last year, I left my job and I didn't pay attention.

If you have more money to spare, you can buy one.

But don't surrender the policy halfway.

The losses will be relatively large.

Insurance is, after all, insurance.

Protection-oriented.

It's not about how much money you get.

The specific benefits are also not calculated.

Don't be deceived by the salesman.

Dividends are not guaranteed to be insured.

Only refer to the earnings of previous years!

As for the 70%, it should be a policy pledge loan.

Whether there is interest on the loan depends on the terms.

That is, the contract is the mainstay.

Don't listen to what they have to say.

Hope it helps.

It is misleading to borrow 70% of the principal from the bank, which is actually a policy loan you borrowed from the insurance company, and you will be charged interest at the loan interest rate.

Dividends are uncertain, what is the basis for 500 per year? It's all about foolishness!

The accident insurance with an insurance amount of 100,000 yuan is more than 250 yuan per year, and the less is only more than 100 yuan. It's okay for you to buy the accident directly.

Wealth management products should go to the bank to consult special financial management, and those linked to insurance will not benefit much, because as long as it is insurance, there must be a commission fee for the first person, and there is a cost for the operation of the insurance company. That is to say, every year, your principal is not from 1w to start financial management, but from 1w-** person commission - insurance company operating expenses to start investing, and insurance companies can not invest in risky projects, the return will definitely not be very high. Think for yourself what to do!

If it's really good for you, can those people's IQ be worse than you, and they still need to sell you everywhere?

The salesman will not be held accountable for what he says, and there is no basis for what he says anyway.

What's more, when something happens, the insurance company has always put the blame on the salesman, claiming that they are not employees of the company and have nothing to do with the company.

Those dividends are theoretically "expected highest" returns, and when the time comes, if they are not honored due to various factors, there is no legal responsibility.

And you have bought it for so many years, in case one day you want to use the money, and you will lose the principal if you withdraw the cash before the deadline.

If you don't have a problem, you might feel like you're losing a bit of money.

If something goes wrong, see for yourself how many people complain that the insurance company has to go to court before giving money.

It is because people trust banks, post offices and other institutions that insurance companies come up with such an idea.

Set up stalls in banks, post offices, etc., to sell insurance, and you will be mistaken for a new business in these places.

These institutions deal with money all day long, and they will naturally be mercenary and talk nonsense.

A netizen provided a bank and postal savings employee fraud technique:

The first is to interpret insurance as bank deposits, and selling insurance is to send insurance as deposits, and many people are still confused.

The second is to say that the ten-year insurance is three years, and the three-year insurance is said to be one or two years.

The third is to exaggerate accident insurance, most bancassurance can only cover accidental death or no accident insurance, but bank employees exaggerate to insure accidents (the implication is that as long as there is an accident, they are insured, deliberately vague words);

Fourth, the income is exaggerated, and the income due to bank insurance cannot be expected at all, even including the loss of principal (who dares to guarantee that the insurance company will not be liquidated, and the insurance company is also a joint-stock company), but the bank and postal savings staff exaggerate the income without authorization in accordance with the instructions of the insurance company personnel, and basically say that it is higher than the deposit, and interpret the ten-year guarantee as one year, which obscures the customer's hearing and hearing.

Fifth, the cash value on the policy is basically printed on the back of the policy and pasted on the back to prevent customers from asking to surrender the policy after seeing it.

In fact, banks and post offices are only the best sales, and other after-sales services and claims are all borne by the insurance company.

If you surrender the policy, you will be kicked and you will not get the full amount of money back.

If you really need to make a claim, you can see for yourself how many people have complained that the insurance company has to go to court before they are willing to pay the money.

Just ask the people upstairs who advocate this trade:

Every day, they set up stalls in banks and put out advertising banners, which are pulled by individuals, and promote insurance under various banners.

Selling long-term life insurance to ignorant old people is said to be higher than the fixed deposit interest rate, and advocating some financial products to ordinary people who have few money and can't afford to pay renewal premiums, and giving them protection.

Turning their savings into policies that claim to have high returns but can't be withdrawn in advance is easy to insure and difficult to claim.

Pull a single order to give you a commission, and ask you to take the money out to beat the people in the bank;

You can't sell it, you don't have a penny base salary, and you still post it upside down. Do you think it's worth doing?

That's a bit of a difficult question、、、

The advantage is that the income should be slightly higher than the income of the depository bank, and at the same time, it has a certain amount of personal protection. The advantage is that you can't use the money for five years, otherwise you will lose money.

The yield will be higher than the bank interest rate, but the disadvantage is that it is not used in the bank to be flexible, if you want to withdraw it there will be a loss, the shorter the time, the greater the loss.

First of all, you need to know whether the other party is an insurance person approved by the National Insurance Regulatory Commission and whether there are certificates. Think for yourself in terms of risk.

The advantages and disadvantages are not clear, depending on whether the price is higher or lower than the dividend.

Hello! If you buy a participating insurance from the Pacific Ocean, if the term is 5 years, then you will not be able to receive it within 5 years, and the income may be higher than the bank's interest for the same period. If you need to use this money, you will lose a certain amount of money if you receive it early.

This netizen, hello, this depends on how you understand, if you don't have insurance, there is no harm, financial insurance has both dividends and protection, if you don't need money urgently in the short term, it is very good to choose financial products.

Hello! The benefits of insurance can be said to be none, or it can be said to be unlimited, because saving insurance is a responsibility, but also a manifestation of love, but also to force yourself to be effective, reasonable to develop a good habit of regular investment, and with the current inflation interest rate, the improvement of living standards, you can save money at the same time, more protection, increase the value of the income will be relatively stable. The disadvantage is that you can't easily give up or stop before the expiration of this insurance period, and you must continue to maintain this good habit!

Hello: Buying these bancassurance products, not only still have interest, but also can be protected, many people choose this way, but you have to understand clearly, whether it is suitable for you; Moreover, it cannot be withdrawn during the contract period, otherwise it will be surrendered and will suffer losses. It is recommended that you choose a personal insurance product with real protection significance for yourself or your family according to your needs and affordability.

Happy New Year! The advantage is that the dividend is higher than the bank's interest and is guaranteed, and the disadvantage is that it cannot be withdrawn casually within 5 years!

The advantage of bancassurance is that it increases the value protection given to you while you save money, which is incomparable to the bank's products. The interest is not lower than the bank's interest base, and it may be higher than the bank, the disadvantage is that it is not withdrawn at any time like the current account, which is not a disadvantage, just managed yourself and saved a sum of money

Hello! If you can't use the money within five years, the maturity interest of the insurance company will not be lower than that of the bank, but you can't take it out at will halfway, because there will be some losses when you surrender the policy.

Advantages: There are dividends for saving money to send insurance, and the "disadvantage" is that you want to take it out and suffer losses in the short term.

I also have dividend insurance, there are losses, the time is too long, I can't get the money back at all, don't buy it.

If the money is not used for 5 years, the return at maturity will be slightly higher than that of the deposited bank. If this money will be used in 5 years, it will not be as good as saving in the bank, and there will even be losses.

Insurance is not an urgent cash deposit, insurance has a protection function. This is something that banks don't have. However, the interest rate is not high when the insurance is withdrawn within five years.

Hello! It is equivalent to saving a fixed term, and it also has security, compulsory savings, and it is not very convenient to use this money within five years.

The advantage is that there is more protection, and the disadvantage is that someone will help you take care of your money... You're going to mess around, it doesn't agree!

Hello, saving money is guaranteed, the disadvantage is that you can't withdraw it at any time.

Hello! There are benefits. The bad thing is that the protection is not complete.