Agricultural Bank of China not only provides banking financial market business and asset management business, but also covers life insurance and other fields.
The insurance bought in the bank is actually underwritten by the insurance company, and the claims are still settled by the insurance company. In the whole process, the bank acts as an intermediary. Moreover, before insurance is sold, it must be strictly examined by the CBRC before it can be sold in the market. Insurance contracts are also legally binding, so they are formal, reliable and trustworthy. You might as well read this article again, and you will have a deeper understanding of why insurance is credible: is it reliable to buy insurance? Will insurance companies play hooligans and refuse to pay compensation?
The insurance products sold by ABC may not be suitable for self-purchase. Most insurance products sold by banks have financial management functions, such as annuity insurance, universal insurance and dividend insurance.
People are mainly faced with risks such as illness, accident and death, so it is necessary to first allocate insurance such as critical illness insurance, medical insurance, accident insurance and life insurance to transfer the economic risks brought by illness, accident and death. If you only buy financial insurance and invest a lot of money, but you can't withdraw money at any time, in case of any misfortune, financial insurance may not be able to transfer economic risks in time. Critical illness insurance, medical insurance, accident insurance and life insurance play a great role. Might as well know more: What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
In addition, even if we have done a good job of protection and have enough funds to buy wealth management insurance in the bank, we should be cautious, choose according to our own financial planning needs and economic conditions, and measure the income before insurance to see if its income can meet our own requirements. Senior sister sorted out all the precautions for buying insurance in the bank. I suggest you look carefully before taking out insurance: How about bank insurance? These contents need to be cautious!
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