The key to whether you should buy it or not depends on whether the insurance is suitable for you.

At present, the main insurance sales channels in my country are: sales agents, bank agents, insurance company direct sales and professional brokerage companies, etc. CITIC Bank sells insurance to customers. In essence, the bank is just one of the sales channels for insurance companies. Whether you should buy it or not depends not on whether it is sold by the bank, but whether the insurance company's product is suitable for you.

How to judge whether it is suitable for you?

First of all, did the salesperson conduct an analysis of your family needs with you? After analysis, you can know what risks you have in your current family situation, and what type of insurance product is suitable for your family based on your family conditions.

Second, after understanding your needs, have you compared and screened the products of other insurance companies? Are there other products that would be more suitable for you than what the bank is selling you?

Third, if you are sure that the product the bank is selling you is suitable for you and that you clearly understand the terms of the product, if you think you can buy it, then buy it. If it is not suitable, it is recommended to reject it directly.

(Howesdady, a Hong Kong insurance planning consultant close to Dongguan people)