Speaking of the Postal Savings Bank, I think everyone is familiar with it. Is it safe to deposit postal deposit insurance for five years?

Speaking of the Postal Savings Bank, I think everyone is familiar with it. Is it safe to deposit postal deposit insurance for five years? 1, from commercial insurance standard:

Guarantee first, then invest in wealth management. Everyone wants to know whether the five-year insurance deposit of the Postal Savings Office is safe, that is, investment and financial annuity insurance. Generally, if there is no personal safety guarantee, this kind of insurance financial protection is relatively weak, and generally only covers accidental death and total disability.

Therefore, the disease or illness is not covered by insurance. If you invest a lot of money, if you surrender your insurance when the disease occurs and only return the policy value, it will be difficult to make a profit in five years, so there will be some damage. This is also the first thing to understand.

2. From the perspective of insurance companies:

Postal savings are generally insured for 5 years, and are generally filed by China Banking and Insurance Regulatory Commission. Insurance companies manage their wealth through insurance, and there will be no loss in long-term protection. The premise is that you have to have more money, and this large sum of money can be profitable in the commercial insurance of postal savings without long-term collection. If you have to spend this large sum of money on legal wedding leave, serious illness, buying a house, starting your own business and other major events, there is no guarantee.

Generally speaking, if you have spare money, don't move, and want to invest or support the elderly for a long time, it is generally not a problem to buy postal express annuity insurance or dividend insurance, but if you want to move this huge sum within 5 years or even 10 years, you will only lose money if you return the policy value.

Are the insurance products sold by Postal Savings Bank safe? Fundamentally speaking, banks do not have their own insurance products. Before the complete separation, some banks had their own commercial insurance departments and banks had their own insurance products; Finally, under the system of separate operation and supervision, banks no longer have their own insurance products. Strictly speaking, every insurance product sold by a bank is an agent of the bank. Even the products of insurance companies under financial groups are legally responsible for civil and criminal liability insurance products alone. So the insurance products sold by banks are unsafe, not because of which bank sells them, but because of which insurance company sells them. Therefore, when you buy insurance products in a bank, you must see whose insurance company's goods are.

Similarly, the safety of an insurance product depends not only on whose insurance company it is, but also on what insurance product it is. Commercial insurance in China is divided into social security and insurance. Social security includes social endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Commercial insurance is divided into property insurance and personal insurance. Among them, property insurance is divided into three categories: asset loss insurance, liability insurance and credit guarantee insurance. Life insurance is divided into China life insurance, health insurance and personal accident insurance.

At this stage, everyone buys more dividend insurance, which is divided into two categories: project investment dividend insurance and guaranteed dividend insurance. The dividend insurance of project investment is mostly one-time payment commercial insurance, which is generally 5 years or 10 years. The protection effect is relatively poor, and most of them will provide personal safety, death or total disability protection. The key to guaranteed dividend insurance is the general life insurance products that pay dividends at the end of the year, such as dividend insurance in old-age security and timely dividend insurance. This kind of commercial insurance focuses on protecting personal safety, and dividends at the end of the year can only be used as additional rights and interests, and the income is not clear about the credit line.

Therefore, it is necessary to make sure that commercial insurance is not savings, and the profit of insurance is vague. Commercial insurance will eventually return to the insurance function, and dividend at the end of the year is only an auxiliary function, which is completely different from the investment function of other projects.