One of the channels of insurance sales is bank sales. Insurance companies complete insurance sales business through bank consignment.

Bank insurance products are actually insurance that consumers can buy through bank counters. Its biggest selling point is "guarantee+income", and the earliest insurance products sold through banks are also savings dividend insurance.

The purchased Ying Da life insurance is an insurance product, and the ultimate rights and interests such as survival money need to be directly contacted with the insurance company to go through the relevant formalities by virtue of the insurance contract, and the role of the bank has ended.

Is British life insurance reliable? Analysis of current insurance industry: 1. Insurance salesmen conservatively estimate that 80% are cheating customers. This includes intentional and unintentional. The high elimination rate of insurance company salesmen is extremely irresponsible to customers.

For example, someone later found himself cheated by an insurance salesman and complained to the insurance company. At this point, the salesman has left. At this time, even complaining is "a blind man lighting a candle in vain." Many salesmen stay in insurance companies for only one month, less than 7% in two years and less than 2% in five years.

At present, almost all domestic insurance companies have a unified statement when they make mistakes: "Now the domestic insurance industry is not standardized, and we are still learning" to excuse themselves. We might as well ask: "You are studying, should the client pay the tuition for you?" This robber logic has become an unwritten rule of all insurance companies. This sentence was said ten years ago and remains unchanged today.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the written terms of the contract are unilaterally formulated by the insurance company, and some written terms have multiple interpretations. So once a lawsuit is filed, the customer will suffer. Insurance claims are more troublesome. Insurance companies are not so simple to settle claims, and 80% may go to court. In other words, once you sign an insurance contract with an insurance company, the probability of you going to court with this insurance company is 80%. Unless you give up the claim, the success rate in this 80% is probably 15%, because there are many explanations in the written terms of the insurance contract, and the normal claim is 20%. So, if you buy an insurance policy, the probability of settlement is 35%. "

3. Dividend insurance: Dividend insurance is not better than bank interest, but it turns "living money" into "dead money". Most of the insured will feel cheated and surrender within two years. During the contract period, the insurance company will deduct a considerable amount if the customer wants to cancel the contract. The bank will only calculate the regular current interest. So this insurance is the most profitable insurance for insurance companies. Unless you need this insurance because you have too much money to spend or money laundering, most people don't need this insurance. Its best function should probably be money laundering. Naturally, it has become the favorite of corrupt officials, washing those "black money" of unknown origin into "legal" income in the name of their children. Insurance companies also provide them with the best places. Remember! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers' money in the name of insurance.

What about Ying Da Life Insurance Company? I work in an insurance agency and often come into contact with British insurance. He is an insurance company controlled by State Grid, but don't think that he is an enterprise of State Grid. Two of his insurance products are good, and the others I think are not competitive.

What if the life insurance company doesn't report the case for a long time? After receiving the application for insurance payment from the insured and the above-mentioned certificates and materials, the Company will conduct examination and approval in time; If the situation is complicated, it will be verified within 30 days, unless otherwise agreed in this contract. If it is confirmed as insurance liability after verification, the Company shall fulfill its obligation to pay insurance benefits within 10 days after reaching an agreement with the insured; If it does not belong to the insurance liability, the company will issue a notice of refusal to pay insurance benefits to the applicant within three days from the date of approval, and explain the reasons.

? If the amount of insurance benefits to be paid is uncertain within 60 days from the date of receipt of the applicant's application for insurance benefits and the above-mentioned certificates and materials, the company will pay the determinable amount first according to the existing certificates and materials, and pay the corresponding difference after the company finally determines the amount of insurance benefits to be paid.

I deposited money in the bank, and the salesperson introduced me to deposit life insurance dividend insurance. Is life insurance reliable? I bought insurance in the bank, and I don't know if it's good. Is it trustworthy?

A: At present, there are many bancassurance personnel selling insurance products in many bank business halls and postal savings offices, but the people are not aware of this situation when saving! (Bank insurance products can also apply for full surrender within the hesitation period within 10 days of purchase.)

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. The repayment of principal+interest of bancassurance products at maturity is greater than savings, with an annual interest rate of 2%-7%!

2. Insurance products should clearly understand the insurance responsibilities and interests, and be familiar with the contents of the policy!

3. Generally, the term of bank insurance is more than 10 years, and the payment period is wholesale, 3 years and 6 years!

4. When saving, don't blindly accept the high interest rate temptation of bank staff. The insurance policy is an insurance product, not an ordinary bank deposit, and cannot be withdrawn at will. If the customer surrenders at will, there may be interest loss, and the principal surrendered during the payment period will also be lost!

People's livelihood life insurance in Beijing is deceptive. What should I do? You can call the complaint telephone number of Minsheng Insurance Company at 95596.

You can also complain directly to the local insurance regulatory authorities, such as an insurance industry association in Beijing.

What if the life insurance company cheated me of my deposit? Don't come up here and say that you have been cheated. You must have insurance.

First, make clear what insurance you bought and how much income you will get when it expires in a few years. What's the difference between it and a deposit?

Second, if it is not suitable, you can have a refund period of 15 days, without deducting a penny, and get a full refund.

Third, after 15 days, I will find the relevant agencies to handle it. Where did I buy it? Where can I find it?

Is Evergrande Life Reliable? Only choose the products that suit you best. Every company is reliable, and it is best to choose those with national brands.

Is it reliable to buy life insurance in the bank?

The insurance sold by bancassurance channel mainly includes dividend insurance, universal insurance and investment-linked insurance. The products sold by the agent channel are mainly complex safeguard products such as health insurance and accident insurance.

In essence, there is no difference between bancassurance products and ordinary insurance products. On the surface, it is mainly bank staff selling and personal agent selling. Due to different customer groups, product functional design will be different. Bank insurance customers are usually bank customers. Banks themselves represent many wealth management products, such as funds and national debt. They go to the bank not only for the deposit and withdrawal business, but also for the wealth management products sold by the bank. As one of the options, insurance has the characteristics of unique investment value and foreseeable income.

Bai Xiaojun hopes that the above answer can help you!