Ask about insurance in postal savings

If you haven't been deceived, you can get income, depending on your own situation In fact, the income after five years is still very good General postal savings insurance is in cooperation with other insurance companies Postal insurance is actually the business of insurance companies that we can usually see, just change places. In fact, if you don't have the idea of buying insurance, you still have to find a way to get it back, but it is inevitable to lose some money, and if you pay it in five years, you still have to pay it, and you will be killed if you don't listen to the salesman in the future

Not being scammed, this is a kind of savings insurance also called bank insurance.

It is similar to the postal service and the bank's lump sum deposit.

The difference is that the bank and postal services are on a monthly basis, while this type of insurance is on a monthly basis.

But in the end, the so-called interest is indeed higher than that of the bank or the postal service, and by the way, there is a guarantee, if the money is not in a hurry, it can still be saved.

But remember to pay 5 years, that's for sure.

Of course, if you feel that you are under pressure to pay 5,000 a year, or you can't pay it, as long as you have not passed 10 days from the time you bought it to now, you will not be deducted if you go to the postal service to surrender the insurance.

But after 10 days, there is a loss when you quit.

Landlord, you decide.

Not deceived! If you look at how long it is, pay it in five years, that is, pay 5,000 yuan every year, pay it for five years a year, and you can only take it when it expires.

Bancassurance repayment of principal at maturity + more interest than savings, surrender halfway will lose principal!

If you choose to surrender or not renew the policy, it is equivalent to default, and you will bear most of the principal loss!

Summary. If you are fooled into buying insurance when you deposit money in the postal service, then you need to contact the postal bank at this time and ask them to turn the money you bought insurance into your deposit. If they don't make changes to you and don't give you an exit, then you can directly complain to the CBIRC at this time, which is a common situation for them now.

If you are deceived into buying insurance when you deposit money in the postal service, then at this time, you have to go to the postal bank to contact the mainland and confess and ask them to turn the money you bought insurance into your deposit. If they don't make changes for you and don't give you an exit, then at this time, you can directly complain to the CBIRC, which is a common situation for them now.

If I cancel it, will I deduct the relevant handling fees?

No, the normal thing is that you will pay back as much as the platform system owes.

At that time, I said that I would save for three years and write 5 years on the policy, but now that it is two years, I wonder if the liquidated damages will be deducted when I surrender the policy.

No, this is the bank's fool. You didn't do it voluntarily.

So the fault way the bank.

I called ** to the customer service of the Postal Savings Bank of China and said that the insurance liquidated damages and handling fees should be deducted.

At this time, you just don't agree, and you can go to the bank, or you can call the CBIRC to complain to the bank.

Is there any interest on saving for two years.

Some. Calculated at a fixed two-year interest rate.

At that time, I went to the Postal Savings Bank and said that I was going to withdraw all my deposits, and the interest would be true.

They are all fooling you, if you are fixed for five years, and you take it out in advance, then your interest will become current interest, if you are regular for two years, Duan Jihuai, then you take it after two years, it must be two years of regular interest.

At the time, I said that I would save for three years and the policy would say five years, but now it's only two years, and I don't know how to change it.

According to the calculation of the two-year current period, the bank does not give you the calculation of the two-year current period, then you directly complain. Or sue.

1. Postal savings in the form of insurance for one year's money, after the expiration of the day can be withdrawn.

2. This is the participating insurance of the insurance company purchased.

Roll up a fixed deposit that does not belong to the bank.

This business is operated by the cooperation of insurance companies and banks, and the interest earned may be high or low.

3. If you have specific questions, you can also call the Postal Savings Bank.

Extended reading: [Insurance] How to buy, which is better, hand handle the big liquid stove hand to teach you to avoid these insurance"pits"

Hello, postal savings deposit insurance, belongs to the insurance business, non-bank deposit products. Bank deposit fixed is to ensure the principal interest, and insurance products are sold non-bank products, should be the bank and insurance companies to promote the product, similar to savings dividend insurance, this kind of products are usually unstable, compared with bank deposits are not high, early withdrawal will also be difficult, it is recommended that the bank deposit business please confirm the type of product, do not confuse insurance and deposits. Extended Resources:

1. Bancassurance, referred to as bancassurance, means that insurance companies develop business with the help of bank outlets. Today's insurance, especially medium and long-term participating life insurance is similar to large-scale long-term mandatory savings. It is true that the ratio of income to bank demand deposits will be a little higher, but it is difficult to say that it is compared with long-term deposits of more than three years.

Moreover, the dividend income of insurance is uncertain, and it should be determined according to the operating conditions of the insurance company. The bonus presentation of the insurance does not have any legal effect on its own and can only be used as a reference at best. 2. The "Insurance Law" stipulates that the salesman must explain the risk of the insurance when selling the participating insurance, and there can be no indication of promised returns.

However, in the actual implementation process, the salesman is likely to violate the relevant regulations to mislead the customer for the sake of performance. Moreover, the biggest drawback of insurance compared with deposits is that it is less flexible, unless you get the full term insurance money stipulated in the contract when it expires, otherwise you have to take the money and can only choose to surrender the insurance. The loss is very large if the policy is surrendered.

If you have paid for 2 years, it will be refunded to you according to the cash value of the policy; If it is less than 2 years, you will be refunded the premium after deducting the handling fee. Either way, you're probably going to lose 50%-70% of the fees you've paid, which is a huge loss. This is the biggest disadvantage of insurance over bank deposits, and many salesmen will deliberately conceal this when selling, so that disputes over such events often occur.

To change the deposit of the postal bank into insurance, it is necessary to make it clear that the time deposit that was bought at the beginning is not insurance.

You can find this certificate of deposit to see if it is a deposit. If bank deposits become insured, it is necessary to contact the staff of the insurance company in time to surrender the insurance. The policyholder has a 15-day hesitation period after purchasing the insurance, and the policy can be surrendered free of charge during the hesitation period, and if the policy is surrendered beyond the 15-day hesitation period, the policyholder needs to bear the liquidated damages for surrender.

If a depositor is unknowingly misled into an insurance business, he must keep the relevant evidence and file a complaint with the consumer association or the relevant department. It is also feasible to defend rights through legal means. The deceived policyholder can provide the relevant information to the relevant departments of the consumer association and the insurance regulatory commission to obtain a full refund of the premium.

The method of filing a complaint about the conversion of deposit insurance is as follows:

1. The insurance policy is signed by the depositor, and you can find the complaint department of the bank to complain, and you can also complain through the official complaint channel of the China Banking and Insurance Regulatory Commission;

2. If it is not signed by the person, you can find the relevant staff or insurance company to return the deposit.