Is the postal bank s dividend insurance fake? How much is the interest in 10,000 a year?

If you save for more than five years, you will definitely be profitable, but if you save for less than five years, the interest plus dividends will be less than if you go for regular automatic rollover. It is recommended that if you can save enough for more than five years or five years, you can go to this business I have studied this, and I have handled a customer's five-year list, and his interest plus dividends is higher than that of regular automatic rollover Because this will not be adjusted by the state and fluctuate in interest, so this year's interest is %, if it becomes less tomorrow, the interest on your dividend insurance will not be lower, and this thing is the interest This has this guarantee. But the most important premise is that you have to make sure that you can save for more than five years, otherwise it is not cost-effective.

If you still don't understand something, you can ask me again.

Insurance dividends are not fake, they are wealth management products cooperated by postal banks and insurance companies. Since it is a dividend, there is no interest, and the dividend is not fixed, but it is higher than the interest. Dividends are determined based on the earnings of the insurance company.

Participating insurance is a bank insurance cooperated by banks and insurance companies, and the insurance is mainly personal accident insurance, which is the saying that life is not guaranteed. The annual dividend is not fixed, depending on the profitability of the insurance company, generally speaking, it is higher than the general regular interest of the bank in the same period, and the interest obtained by the insurance is not subject to tax, and the insurance law stipulates that the insurance company has more than 70 of the profit to the policyholder. Bancassurance is divided into single payment and term payment, single payment is to deposit a certain amount of money together for a few years (insurance is generally at least 5 years) due with the amount of insurance and dividends to get the money together, the term payment is every year, every year, some are required to save for 5 years, some are required to save for 3 years, some are due for 10 years, and some are due for 6 years.

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.

Yes, at this time, you should take the receipt at that time, and then bring your ID card and proof of purchase, go to the bank to handle business, if the staff maliciously deducts, you can protect your legitimate rights and interests by calling the police.

Yes, if you sign the corresponding contract with him and have the corresponding written agreement, you can get it back.

Yes, but such a product has a certain risk, and there may be a certain gap in the amount of money you get back.

The dividend insurance bought by the postal bank can be taken out when it expires, and in fact, there are many ways to manage money. Although this kind of participating insurance financial management and savings are different, in fact, if you haven't taken it all the time, you can still take it out in time. However, sometimes there is income and sometimes there is no income, so I still have to read the contract signed at that time in time, and handle it according to the content of the contract system, so as to be able to better take out my own money.

The type of insurance is different, in the past, there will be some dividend-paying financial insurance, this type of insurance means that you can get dividends every period of time, and then take out the principal after expiration. Therefore, as long as you follow the provisions of the contract, you can still get it back after expiration. However, at that time, it usually took a long time to sign this participating insurance, so it was also a long time to wait.

If you have some questions about the details of the contract, you can go to the bank to communicate in a timely manner. Words like this. When will this insurance expire, so that you can go through the relevant withdrawal procedures in time.

In fact, banks also need their own performance, especially some local banks, if the performance is not up to standard, there will be some pressure. Therefore, some elderly people may not pay attention to it when they go to the bank to save money, and as a result, they should have saved but bought other things, so it is recommended that they should follow the elderly when they save money, so that the elderly can better save money. Another thing is to be firm in your own ideas in the process of saving, and not to be influenced by other people's ideas.

In order to be able to better deposit their money in the bank, instead of buying other products that they don't need.

The money saved is earned by others, so I still hope that the staff of the bank can follow their own professional principles and professional requirements in the process of promotion. In this way, more people can improve their awareness of the bank's service level.

You may not be able to get it back when it expires. This is because there is a great security hazard in these participating insurances, which are actually the bank's wealth management products, and if the bank loses money, this insurance will suffer.

If it expires, you can get it back, and this kind of dividend insurance bought in the bank is actually a kind of insurance, so you can get it back after expiration.

It is more difficult, these insurances are not the products of banks, most of them are products of other enterprises, so the safety factor is relatively low.

You can get it back, and if the insurance you bought expires, you can get back all the principal and interest.

Hello, glad for your question, it is reliable. Post office deposit calendar base spring insurance pay for 5 years, 20,000 yuan per year, interest 7,000 yuan per year, then the annualized interest rate is 7%, Fengwan this belongs to the deposit insurance financial products, this is the highest annualized interest rate, the actual annualized interest rate is about 4% 7%, in the best profit situation, a year can get 7,000 yuan of interest.

Summary. The main features are as follows.

1 Policyholders enjoy the results of their operations.

2. The customer does not bear the investment risk, and the dividend can be zero, but not negative.

3 Actuarial assumptions for pricing are conservative.

4. Insurance payment, and the surrender money contains dividends.

I saved a dividend-paying insurance in the postal service, saved 10,000 a year for three years, and took it after six years, saying that I could pay dividends but didn't say much, is this legal?

This question is up to me, it takes a little time to type, so please be patient.

It is legal to say that you can pay dividends but not how much.

Dividends refer to life insurance products in which the insurance company distributes a certain percentage of its actual operating results to policyholders compared to the surplus assumed by the pricing assumption.

The main features are as follows: 1. Policyholders enjoy the results of their operations. 2. The customer does not bear the investment risk, and the dividend can be zero, but not negative. 3 Actuarial assumptions for pricing are conservative. 4. Insurance payment, and the surrender money contains dividends.

Can I get back the principal and interest in 6 years?

It depends on how to return it, do you have an insurance contract in hand?

If it's convenient, take a picture of the two pages of the insurance liability and send it to me.

Summary. You can get it back. Insurance, you can surrender it at that time. I can take it back and am relieved.

You can get it back. Insurance, you can surrender it at that time. I can take it back and am relieved.

If the money deposited does not mature, how can the bank not withdraw it.

Yes, it seems to be a dividend.

1. If you are in the hesitation period and do not want to surrender the insurance as soon as possible, there is no loss. Abi 2, if it is after the hesitation period, try to expire and then surrender the policy, do not sail the expiration of the period, there will be losses.

Can the principal be withdrawn?

If the money deposited does not mature, how can the bank not withdraw it. As you said, it's insurance. Insurance is not a deposit with Qi Wei. If you don't expire and call for retirement or insurance, surrender is a big loss!

Dear, it depends on the policy.

You want to take a look at the cash value of the insurance policy, which is indicated on the policy. This kind of insurance policy that pays the premium in installments comes with a one-page cash value table called Pachai. After paying the premium for one or two years, you can surrender the policy at any time, and then receive the amount corresponding to the year-end hunger.

We don't quite understand, he flickered and saved and couldn't take it.

There is no insurance policy. Don't worry, first of all, you can't find a bank if you don't have an insurance policy, and secondly, you can definitely get a refund.

Forced refund can not get the principal.

Because there is so much insurance, everyone's insurance policy is different, and we can't just say how much money you will be refunded.

Forced refund can not get the principal.