How about the participating annuity insurance launched by Bank of Communications?

There is a 10-day hesitation period after applying for insurance, during which you can refund it and only lose 10 yuan of production cost.

Take the contract and ID card to the insurance company for handling (not a bank or other agency, optimistic!!

After these 10 days, it cannot be taken out in advance.

Otherwise, according to the description of the insurance contract - I guess you signed it without even reading it at the time - you will be killed.

A netizen summed up the fraud techniques of bank and postal savings employees:

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 five-year and six-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, but the bank staff exaggerates the income without authorization according to the instructions of the insurance company's personnel, basically saying that it is higher than the deposit, and interpreting the ten-year guaranteed amount 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 understanding the truth and requesting to surrender the policy after seeing it;

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.

Those dividends are theoretically "expected highest" returns, which are based on the annual profitability of the insurance company, which is dispensable and has obvious uncertainties. The content of the contract does not clearly state the specific amount of money to be paid, and just a person's mouth says how high it is, it will be a blank "check" that the insurance company cannot cash. When the time comes, if you don't honor it due to various factors, you will not be legally responsible.

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?

Look at what the terms say, everything is subject to the contract. If you want to use it urgently, you can take out a policy loan, pay a little interest, and the protection is still there! The contract cannot be terminated, and there will be losses for breach of contract!

Which insurance company's product is it? Dividend insurance generally has a loss of principal if it is withdrawn in advance, and the earlier it is withdrawn, the greater the loss.

After the bank announces the results of the previous year, it will distribute profits, commonly known as dividends, generally around June.

Dividends include cash dividends and share dividends. Banks generally pay cash dividends, that is, about 30% of the total profit of the previous year is distributed to shareholders. The next business day, the dividend will be credited to your account. You can find out by looking up your company's statement.

You have purchased an insurance (wealth management type) from Bank of Communications**, and the dividend is the profit you will receive after you purchase the insurance.

It should be that you bought the bancassurance product of the insurance company, take a closer look at the insurance contract, and figure out the protection benefits you can get and the exemption clause of the insurance company when making a claim.

It is equivalent to that you have invested, and dividends are necessary.

According to the provisions of Decree No. 20 of the Ministry of Labour, there are only three circumstances in which it can be obtained: death, leaving the country to settle abroad, and statutory retirement, and there is no other way to take it out. Even if you withdraw from the annuity plan, the original enterprise annuity.

The administrator will "keep your account" until you have a new annuity plan, transfer your account to the new plan, or meet the conditions for receiving it.

Collection Procedure: You will need to provide the Song:

1) Payment Application Form

2) Apply for payment of the employee's medical death certificate.

or a copy of the cremation certificate or the certificate of cancellation of household registration or the judgment of the court of resistance.

3) A copy of the family register or other proof of relationship with the deceased employee or the original statement (if proof of relationship cannot be provided).

4) "Confirmation of Equity Payment" (provided when there are multiple heirs) 5) ID card of the heir.

Copy. 6) A copy of the bank's current passbook.

7) Power of Attorney.

8) The original identity certificate of the agent (keep a copy).

After all, a bank is a bank, and insurance still has to be bought by an insurance company

You don't buy annuity insurance, this is the future conversion of orange disadvantage adult pension for old-age use, according to the income point of view, you better not to surrender the policy, so that your loss is very large, you can put there, no matter how unwilling you are to buy this insurance, you think, this policy, to the age of 60, the income is very considerable, and there is, you look at how high your own protection is, so that your heart may have some comfort!

You can take a look at the insurance contract, when does it expire? Deposit for 3 consecutive years, take it in the 10th year? If you don't rush to use it, you can only return to it first.

The interest rate of wealth management insurance is higher than that of the bank, in fact, it is not much different from the deposit bank, but the interest rate is high.

Xueba talks about insurance, focusing on insurance evaluation! In 2020, the latest 35 participating insurance products and 101 popular critical illness insurance products were comparedComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in ChinaI have met a lot of people who buy participating insurance but they just heard that others said it was good, so they bought it, and they didn't understand what participating insurance is, do they need it? Let's take a closer look:

Participating insurance refers to a life insurance product in which the insurance company distributes its actual empirical results to policyholders in a certain proportion compared to the surplus assumed by pricing, and can obtain benefits at the same time.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? But I've seen too many friends who have bought participating insurance, but none of them have really made a significant profit after buying participating insurance, and none of them have bought it.

First, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which is uncertain.

Second, the dividend pool is not transparent.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

If your insurance has additional insurance, it is different, in fact, it is not much different from the deposit bank, but the interest rate of the wealth management type insurance is higher than that of the bank.

Hello, the bancassurance wealth management we bought in the bank is a product that is saved for five years and put for five years, and there is a loss when you withdraw it halfway.

Look at the contract with the insurance period, if you take it halfway, it is equivalent to surrendering the policy. If it is misleading, you can call and report. If you need money urgently, you can choose a policy loan, which is very cost-effective.

The salesman misleads and can't help it, it should be 10 years at the end of the year, right? Or longer, depending on the contract. Annuity insurance is the money to receive a pension when it is due, don't you need it? There is a loss when the policy is surrendered when it does not expire, measure it, I am Hao Wenxiang of Sunshine Insurance, I hope to help you.

Regardless of financial management, it is best to go to the insurance company for protection products.

Hello, if you want to see the contract, the contract shall prevail, and there will be a loss if you take it out halfway.

Some people say that insurance is fooling, generally because the recommender uses his strengths and avoids his weaknesses or does not look carefully when he buys it, and after buying it, he feels that it is not what he expects, and it may be because the product is unreasonable, you can take a look at this lightning protection list:Top 10 [Not Worth Buying] Critical Illness Insurance! 》

Since I feel that being fooled is because of the psychological gap, how does the psychological gap arise? Usually because of two situations: unable to make a claim and the income does not meet expectations, let's talk about it specifically:

The first point is the reason why some policies cannot be claimed:

(1) Failure to truthfully inform the applicant

There is no truthful health notice is the main reason for not being able to make a claim, if the accident occurs, the insured's past medical records will be checked by the insurance companyWhat are the tips for health notification when applying for insurance? 》

(2) The conditions for claim settlement are not met

There are certain conditions for each contract to settle claims, for example, life insurance must meet the condition of death before making a claim, and some life insurance will stipulate different age of death, corresponding to different compensation amounts, and the provisions of these claims should be read clearly when buying. There are some cases where the claim cannot be approved because the information is incomplete, and this ** can be collected:

(3) Failure to see the contract disclaimer

Exclusion means that this policy does not have liability for some situations, such as most insurance policies stipulate that the insured is exempt from liability for driving a motor vehicle under the influence of alcohol.

The second point is that the benefits are not up to expectations

When some people recommend participating insurance to customers, they will say that there is a great return, but the actual income is not necessarily, and the dividend interest rate is uncertain.

How can I avoid this feeling of being "fooled"? Here are a few tips:

1.Read what is covered:It is necessary to understand what is covered and what is not covered, and insurance does not cover everything.

2.Check out the claim conditions:For example, some hospitals will not reimburse medical insurance, and these regulations are generally inconspicuous, so be careful.

3.Pay more attention to dividend insurance:Even if a participating insurance has a good income before, it doesn't mean anything, and the current situation is the most important thing to understand.

Insurance naturally exists because there is a demand, and only when you buy the right insurance will you not feel fooled.

Hello, no matter what kind of insurance is reliable, as the world's top 100 state-owned enterprises, although the dividend is uncertain, but as the strongest insurance company, the income far exceeds the industry!

Chinese's life compensation ability is 368%, and the strongest anti-risk ability!

The dividends of all insurance companies are reliable, but the operating income of each company is different, so the amount of dividends is also different...

Hello, dividends are uncertain, it is recommended that you take a look at Huaxia Life's Fulinmen,

Reliable, dividends are guaranteed.

Reliable ones are distributed by the operating results of the insurance company.

The minimum is uncertain.

Ping An has a set of "cash houses" called Zunhong Life.

The down payment starts at 100,000 yuan, which can be paid off in three years, and the mortgage fee is waived; After three years, the house will be handed over to you, regardless of the location, decoration, or floor, no decoration, no deed tax, no major repairs, no water and electricity bills, ......For business, after a few years, you can release a sum of cash with investment value for liquidity, and use change with no investment value to repay the interest, but all this does not affect the appreciation of wealth. Because the debt does not increase, and your dividends and survival returns are compounded in the journal interest month.

You can receive rent every month, rent increases every month, no vacant rent month, lifetime property rights! One hundred and fifty percent of the purchase price will be returned to you in full.

Three more surprises for you:

1. At the end of the payment period, you will be given 2% of the full price of the house as a special congratulatory money.

2. At the end of the 60th anniversary of the policy, you will also be given 50% of the basic sum insured as a life expectancy.

3. If you are in urgent need of cash, you can cash it out in time; There is an annual dividend to protect against inflation. In the third year, the survival benefit will be returned for life.

Ping An Insurance's Honorable Life.

What do you think? This product is proper, okay, is it really that good? Let's go with Wobao.com!

Who can guarantee a safe and noble life?

Issue age: 28 days old - 65 years old.

How to protect a safe and honorable life?

Payment method: 3 years, 5 years, 10 years.

Minimum premium: 3 years to pay: minimum annual payment of 30,000 yuan.

5 years to pay: the minimum annual payment is 20,000 yuan.

10 years to pay: the minimum annual payment is 10,000 yuan.

Minimum Sum Insured: The minimum sum insured is an integer multiple of RMB 1,000.

How long does it take to live in peace?

Period of Insurance: Lifetime.

What does Ping An Zun Macro life protect?

Survival Benefit: 18% of the Basic Sum Assured will be paid annually from the 3rd Policy Anniversary until the age of 60; From the age of 60 onwards, 20% of the basic sum assured will be paid annually.

Special Survival Allowance: After the expiration of the premium payment period, it will be paid at the rate of (annual premium paid and 2% of the premium payment period).

Blessing payment: 50% of the basic sum insured will be paid at the age of 60 (no blessing payment will be paid if the insurance is applied after the age of 57).

Death Benefit: If you die before the age of 18, the premium will be refunded without interest; Age 18 and later, 120% of the death premium in the first year and 105% of the death premium in the following year and onwards.

Dividends: The dividends shall not be less than 70% of the total distributable earnings of the participating insurance in the current year, and the additional wealth treasure account will promote faster growth of income.

Policy Loan: Up to 90% of the cash value of the loan.