A: At present, there are many bank insurance personnel selling insurance products in many bank business halls and postal savings offices! But depositors don't understand this! Future returns can refer to the data in the contract!
Bank insurance can be roughly divided into: accidental medical consumption type, regular repayment guarantee type and financial dividend type.
At present, most bancassurance products are mainly financial dividend products, and the following points should be paid attention to when saving:
1, repayment of principal at maturity+interest is more than savings, and the annual interest rate is above 2-6%!
2, insurance products clearly understand the insurance liability, don't listen to the salesman blindly exaggerated rate of return and high interest rates!
3. The term of general bank insurance is more than 10 years, and the payment period is about 5 years. If you withdraw it within 5 years, the principal will be gone!
4. When saving money, don't blindly accept the high interest rate temptation of sales staff. The insurance policy is an insurance product, not an ordinary bank deposit!
Received a phone call from the insurance company, saying that it was free insurance and provided information such as date of birth. Is it credible?
A: This is telemarketing insurance, which is free in form, but in essence, customers need to save money in the company!