Can I get money when the Guohua Wealth Appreciation Whole Life Insurance in the Agricultural Bank of

Uh, I want to ask about the use of your money, if you don't use it for 10,000 years, the income of buying wealth management insurance is indeed slightly higher than that of the bank, but you should choose a large company, because the concept of dividends is to take out 70% of the company's profits to dividends, the rising tide lifts all boats, the stronger the company, the greater your income. The profit model of the insurance company is mainly agreement deposits and others (you don't know if it's too professional), in short, you take the premiums you pay to invest, and after the profit, the company gets a part of the other part for dividends.

Therefore, if your money is not in a hurry, you can consider saving it into financial insurance, because buying insurance is not like being stored in the bank, you can withdraw it at any time, and there is a loss when you surrender the insurance, so you should be cautious.

This is the insurance of the insurance company in the bank**. It depends on the terms of your policy. It should be a little more profitable than bank deposits.

Hello! The dividends of participating insurance are uncertain according to the operating conditions of the insurance company. It may be high, and the company's operating situation is the key.

The insurance company will determine the dividend distribution plan every year according to the business operation of the participating insurance, and the policy dividend is uncertain, in fact, it is difficult to see the income of the participating insurance in the short term, and it must go through a long-term process. If you have already applied for insurance and feel that it is not suitable, there is still a 10-day hesitation period, and only 10 yuan of the cost will be deducted from the surrender within the hesitation, and there will be no other costs, and there will be a loss after 10 days.

At present, the shortest insurance period of bank insurance products seems to be 5 years, and I have not heard of 3 years, so it seems that I should learn more about it.

Unreliable, fixed deposits are deposit capital protected, insurance is insurance but not capital protected. If you have just signed up, you can withdraw within the 15-day cooling-off period. Full refund, beyond the hesitation period, that is, the wealth management product may be profitable or loss.

In short, insurance and deposits cannot be equated, do not listen to the fool of the salesman when handling it.

Further Information: Time deposits are also known as "certificates of deposit". The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

The branch offices of all commercial banks and the business departments at all levels can handle the time deposit business.

1. The deposit method of fixed deposit can be cash deposit, transfer deposit or intra-city payment.

2. There are several ways to withdraw time deposits:

1.The full amount shall be withdrawn at maturity, and the principal and interest shall be settled at one time according to the prescribed interest rate;

2.If the full amount is withdrawn in advance, the bank will pay interest according to the current deposit interest rate announced on the date of withdrawal;

3.If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the time deposit shall be liquidated.

3. RMB fixed deposits are usually divided into six interest rate levels: three months, six months, one year, two years, three years and five years. The foreign exchange fixed deposits of Chinese-funded enterprises can be divided into five grades: one month, three months, six months, one year and two years.

4. During the deposit period, the interest shall be calculated and paid according to the fixed deposit interest rate announced on the date of deposit, and the interest shall not be calculated in stages in case of interest rate adjustment.

There is a hesitation period within 15 days of the contract being received, and there is no loss when the policy is surrendered. Since it is Guohua Life Insurance, I can only go to their company to handle related business in the future.

It is not as reliable as a fixed deposit, don't believe in any financial management, it is easy to suffer losses if you don't understand, and insurance is not principal-protected.

Of course, it is reliable, it is your freedom to deposit time or insurance, mainly according to your needs, and the income of deposit insurance will be higher than that of the bank. If it is not your intention, you can surrender the policy within 10 days, and only lose the handling fee of 10 yuan. Later, go to the corresponding insurance company to receive the money.

Guohua Life is a very reliable company, and your deposit is handled by the bank staff, you can be very assured.

Since the establishment of Huaguo Life, Guohua Life has scientifically grasped the rules of life insurance operation, operated in compliance, explored the path of healthy development in line with its own characteristics, and formed a differentiated business pattern with bancassurance and the Internet as the main business channels and other business channels as supplements, and its investment management capabilities are at the forefront of the industry. As of the end of June 2020, Guohua Life's total assets were 100 million yuan, and major financial indicators such as asset scale, operating income, and investment income all showed an increasing trend.

Guohua Life Insurance has formed an efficient network layout covering the whole country, and has successively opened 18 provincial-level branches in Shanghai, Beijing, Tianjin, Henan, Hebei, Zhejiang, Shandong, Guangdong, Jiangsu, Hubei, Liaoning, Chongqing, Sichuan, Shanxi, Hunan, Qingdao, Shenzhen, Anhui and other provinces and cities.

Guohua Life Insurance is the first in China to enter the online platform, achieve cross-channel cooperation, and the industry's leading online life insurance company, which has set a record of "more than 100 million yuan in three days" and "more than 100 million yuan in a single group" on the first-class polycost-effective platform, leading insurance into the era of active consumption.

Over the years, the company has strengthened its investment capacity building and has become one of the first insurance companies in the industry to obtain a full investment license.

At the same time, Guohua Life Insurance has never forgotten its original intention, is enthusiastic about public welfare, gives back to the society, and gradually establishes a long-term mechanism for Guohua's public welfare undertakings. As of the end of April 2020, Guohua Life Insurance has spent more than 68 million yuan on poverty alleviation.

Generally speaking, choosing such a company with high brand awareness mainly has the following advantages: big brand, easy to build trust: many companies have billions of advertisements every year, choose the company you have heard of, it is naturally easy to build trust.

There are many branches, which is relatively convenient: when you need to submit information for subsequent claims, if there are local business outlets, you can go directly to the outlets to handle it, which may be more convenient than mailing the materials.

However, the disadvantages of valuing brands are also more obvious: product selection is relatively limited: there are only a few brands that ordinary people know, so the range of choices will be very narrow.

Relatively high product **: Due to the high cost of publicity and operation, the price of the product will be higher than that of other companies. What's more, even if it is the same company, there will be multiple critical illness insurances under it, and there will be great differences between different products, so you can't buy from the brand with your eyes closed.

First of all, you are not saving a fixed term, you are buying insurance in the Agricultural Bank of China, it may be that there is no bank for 5 years after the insurance expires, the interest is high, and after the expiration, the insurance is received in the bank, and it is generally the insurance company and the bank to handle it

Hello, you actually buy a wealth management insurance product, the biggest risk is that you can not withdraw in advance in the past five years, otherwise the principal may suffer losses, if you successfully save for five years, the rate of return should be reached.

The question was only handled yesterday, and the contract has not yet been signed, so I am worried about whether it is reliable.

Question: If I handle it for five years, I have to pay it for 5 consecutive years, 10,000 per year! It can only be taken out in the 6th year! It means that I'll just pay it in the past 5 years, right? Is it advisable to retreat in the middle?

Ask a good question, thank you dear!! One more question, my money was directly deducted from the Agricultural Bank card by our life insurance company! So what should you do when it expires in the future?

Question Okay, got it, thank you [flowers].

Okay, it's been reviewed, it's been followed [smile].

Okay, it's been reviewed, it's been followed [smile].

Ask a question, what are the precautions when signing a contract? [covering his face] hasn't signed yet.

ABC will also deceive people, so what should I do? Can I call the police?

I didn't sign the question, I got it all on my phone, it was for my parents, and my parents didn't know what was going on.

Is it a lie to ask a question?

Okay, thank you.

This maturity is still withdrawn from the Agricultural Bank of China, which is also reliably higher than the deposit interest rate.

Generally speaking, it is a high part of the wind, but you also become insurance, this thing is required we can't do this, your money is your decision, what do you want? It shouldn't be up to them.

I have applied for Guohua Life Insurance for five years in the Agricultural Bank of China, is it reliable? In the end, get the money in **? In my opinion, the insurance in the bank is not very reliable. You can make his baby want to give you a refund. It's good if you save it again.

According to the situation you said, then you are buying a wealth management product, which must have a certain risk. This profit is relatively large, but it is possible to lose the principal.

You have a fixed deposit in the Agricultural Bank of China, and the bank has applied for Guohua Life Insurance for you for 5 years, did you sign it at that time? Although this is said to be done by the bank, it is difficult to say whether it is reliable or not, because Guohua is a life insurance, although it is a financial unit, but whether you can withdraw the money after 5 years of life you must figure it out.

Insurance and deposits are not the same, the interest on deposits is written, how much money can be calculated when the time comes, and the income of insurance is floating, although the possibility of loss is very small, but it is not nothing, and the income is also uncertain, you can go to the bank for insurance to withdraw, or to the insurance company to withdraw.

You can withdraw it at maturity, but you must be careful that you can't withdraw it halfway, or you will lose the principal if you withdraw it halfway.

The insurance purchased at the bank is reliable, and so is the Guohua Insurance Company. If we purchase a product with maturity insurance such as comprehensive insurance, after the insurance expires, the policyholder needs to bring the materials to the counter of Guohua Life Insurance to collect the maturity insurance money. The documents to be brought are:

1.Original insurance contract 23

4Identity document of the insured5The insured's bank account (4 and 5 are provided when the insured is not the same person).

In fact, whether it is in the bank or on the Internet insurance sales platform, as long as the insurance is purchased through formal channels, it is safe and reliable. Moreover, as a place for money circulation, banks will not cut off their financial routes and cooperate with some unreliable insurance companies.

However, the senior sister does not mean that all the insurance sold in the bank can be bought. Because the wealth management insurance recommended by the bank is not necessarily the highest in the entire market, the senior sister suggests that it is best to shop around before making a decision.

Next, the senior sister will continue to tell you about Guohua Insurance Company. In China, all insurance companies are under the supervision of the China Banking and Insurance Regulatory Commission, so they are safe, reliable and trustworthy.

If you also want to know more about the friends of Guohua Insurance Company, you can take a look at this:How is Guohua Life, is it reliable? One article to tell you!

In addition, if you are skeptical about an unfamiliar insurance company and don't know whether you can buy its products, you can also look at its recent solvency data.

The solvency standards stipulated by the China Banking and Insurance Regulatory Commission are:1The core solvency adequacy ratio is not less than 50%; 2.

The comprehensive solvency adequacy ratio shall not be less than 100%; 3.The overall risk rating is B or above. If any of the above items are not qualified, it is a non-compliant insurance company.

For example, Guohua Life Insurance Co., Ltd. has a core solvency adequacy ratio in the third quarter of 2022, a comprehensive solvency adequacy ratio, and a comprehensive risk rating of BBB in the latest period. All the data are in line with the standards.

That's all I have for this issue, I hope it helps! Hope!

It is reliable, and after the expiration date, you can go to the place where you can handle it and ask where to get the money.

Insurance and deposits are not the same, the interest on deposits is written, how much money can be calculated when the time comes, and the income of insurance is floating, although the possibility of loss is very small, but it is not nothing, and the income is also uncertain, you can go to the bank for insurance to withdraw, or to the insurance company to withdraw.

1. You deposit a fixed deposit.

The most reliable, one-year lump sum deposit interest is;

2. There are insurance personnel stationed at the bank counter, which does not comply with relevant national regulations; It is recommended that you surrender the policy;

3. The interest rate of insurance cannot be higher than that of the bank;

Extended Materials. How to save so that the interest can be higher?

1. Fixed deposits.

The fixed deposit of each bank, the interest rate of the deposit.

For; One-year interest rate, two-year interest rate, three-five-year interest rate, some commercial banks, joint-stock banks.

The interest rate is relatively high, the 5-year interest rate can reach, the time deposit threshold is low, as long as 50 yuan starts, the risk is low, and the principal is guaranteed. At an annual interest rate.

For example, the estimated interest income of 60,000 yuan for 5 years is 9,600 yuan, with an average of 1,920 yuan per year.

Clause. 2. Private smart deposits.

Smart deposit is a product issued by commercial banks, through cooperation with the Internet financial platform, to achieve the demand for savings, the minimum deposit threshold is 50 yuan, which is much higher than the ordinary deposit interest rate, and the one-year interest rate can reach up to 5%, such as the smart deposit deposit on the xx platform, the one-year deposit interest rate can be up to, low risk, and the principal and interest are guaranteed. If you deposit into the product with an annual interest rate, the estimated income after the maturity of 60,000 yuan is 2,700 yuan * 5 years, and the total income of 5 years is 13,500 yuan.

Time deposit. Start-up process.

1.Open a Time Deposit Account over the counter;

2.Apply for Bank of China Personal Internet Banking at the counter.

Wealth Management or VIP Edition;

3.Link your Time Deposit Account to Internet Banking;

4.If you wish to renew your savings account or education savings account at the counter via online banking, you need to open a lump sum deposit or education savings account over the counter and connect with online banking.

Agreeing with the bank on the monthly deposit amount and deposit period before renewing the deposit in online banking;

5.If you wish to conduct principal and interest deposit and interest withdrawal business in online banking, you need to open a principal deposit and interest withdrawal business account (current savings) over the counter before you can withdraw interest in online banking.

Lump sum deposit: The principal is deposited at one time, and the principal and interest are withdrawn at maturity.

Fixed life two pence: the principal is deposited at one time, and the deposit period is not specified, and the principal and interest can only be withdrawn at one time, and cannot be partially withdrawn.

Deposit principal and interest: deposit the principal at one time, withdraw the interest in installments, and withdraw the principal at maturity.