The following seniors will analyze whether the insurance of the Postal Savings Bank is credible. Before you start the analysis, you may wish to know some insurance knowledge: Super Complete! Everything you want to know about insurance is here.
First of all, the bank is one of the insurance sales channels approved by the CBRC, which is legal and reliable. The insurance products it sells have also been approved and put on record by the China Banking Regulatory Commission, and the protection content is subject to the terms, so the legitimate rights and interests of the insured will be protected by law. Want to know what to pay attention to when buying bank insurance, you can check this article: How about bank insurance? These contents need to be cautious!
Secondly, the Postal Savings Bank holds an insurance intermediary license issued by the China Banking Regulatory Commission, and its business scope includes investment products such as traditional life insurance, dividend insurance and universal insurance, risk protection products such as education funds, pension, health insurance, accident insurance and property insurance, and long-term savings products, which can meet customers' needs in pension, education, illness and financial management.
Since the opening of 1998 insurance agency business, the insurance agency business of Postal Savings Bank has covered nearly 40,000 outlets in 36 provinces (autonomous regions and municipalities) and provided services to more than 90 million customers. In 20 18, the premium scale of Postal Savings Bank exceeded 300 billion yuan for the fourth consecutive year, ranking first in the bancassurance market for the eighth consecutive year.
Therefore, it is credible to buy insurance in the Postal Savings Bank, but its insurance products are not necessarily suitable for all groups to buy, such as dividend insurance, universal insurance, life and death pension insurance, whole life insurance, annuity insurance and other insurance products.
These insurance products with financial management functions should be selected according to their own financial planning needs and economic conditions. Even those who have done a good job in personal protection and have enough idle funds, it is best to measure the income of products before taking out insurance to see if their income can meet their own needs.
For those who don't know much about these financial insurance, you can learn in detail through this article: What are the differences between dividend insurance, universal insurance and increased whole life insurance financial insurance? Which is the most cost-effective?
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