What is the guarantee for a good postal start? Can you guarantee the principal?

Postal service is a kind of financial insurance, which does not necessarily guarantee the principal. After all, it is an insurance product. Although there is some security, the risk is still a bit.

Postal "Getting a Good Start" belongs to the insurance category, which is jointly launched by the Postal Savings Bank and the insurance company * * * *. The main forms are annuity insurance and universal insurance. A good start is the wealth management annuity insurance vigorously sold by major insurance companies from the end of the year to the beginning of the following year. In view of the high-yield products of the Postal Savings Bank, it is first necessary to clarify the attributes of the products. If the bank is responsible for sales, it is necessary to pay attention to whether it is an insurance wealth management product sold by the bank.

The deposit insurance system refers to the insurance institutions established by various deposit financial institutions. As the insured, all deposit institutions pay insurance premiums to them according to a certain proportion of deposits and establish deposit insurance reserves. When a member institution has an operational crisis or faces bankruptcy, the deposit insurance institution provides financial assistance to it or directly pays part or all of its deposits to depositors, thus protecting the interests of depositors.

On the one hand, the relationship between deposit insurance subjects is paid, that is, the insurer can only get financial assistance after the insured bank pays the insurance premium according to the regulations, or the depositor can only get compensation when it goes bankrupt; On the other hand, it is mutual assistance. In other words, deposit insurance is realized through the mutual assistance of a number of insured banks. If only a few banks are insured, the insurance fund is small in scale and it is difficult to bear the liability for compensation to depositors when banks go bankrupt.

General insurance in the market

1. life insurance: it mainly covers death, and claims can be made for death caused by accidents or diseases. If life insurance is configured, after the death of the insured, his family can rely on insurance money to maintain their lives and can insure the family's economic pillar.

2. Accident insurance: As the name implies, it mainly covers accidents caused by accidents, such as travel accidents, traffic accidents and accidental injuries. At present, the common accident insurance in the market has requirements for occupations, and rarely protects high-risk occupational groups, and the insurance period is short.

3. Health insurance: The most common are critical illness insurance and medical insurance. Critical illness insurance generally means that the agreed disease can be diagnosed and the insurance money can be used for treatment and living expenses. Medical insurance is to reimburse the medical expenses within the scope of protection according to the agreed proportion and reduce the medical expenses of the insured.

4. Property insurance: including agricultural insurance, liability insurance, guarantee insurance, property insurance, credit insurance and other non-personal insurance. In property insurance, the most typical and common insurance products are auto insurance and bank card security insurance.