Insurance products sold by commercial banks will have a certain period of hesitation after successful insurance, which is generally about 15 days.
If the customer finds that he has been cheated during this period, he should contact the bank or insurance company as soon as possible and ask for surrender.
If the hesitation period has passed and the bank does induce investors, the customer can contact the bank or complain directly to the CBRC, which will punish the bank's induced behavior according to the actual situation and assist the customer to surrender.
Financial insurance is a new insurance product with both insurance protection and investment functions, which belongs to new life insurance. Insurance companies operating investment insurance make full use of their scale investment advantages and investment experts to strive for the maximum investment income for the insured.
At present, domestic financial insurance mainly includes dividend insurance, investment-linked insurance and universal insurance. Financial management through insurance refers to the reasonable arrangement and planning of funds by purchasing insurance to prevent and avoid financial difficulties caused by diseases or disasters, and at the same time to preserve and increase the value of assets.
Main types
Dividend insurance
Dividend insurance is a form of insurance in which the insured shares part of the operating results of the insurance company on the basis of certain insurance protection. If the insurance company does not operate well in a certain year, the operating results that the insured can share may be very limited or even absent. But dividend insurance has a minimum guaranteed interest rate, which is the basic guarantee for the insured.
Investment linked insurance
Investment-linked insurance is a form of insurance that combines insurance protection with investment and savings. Insurance companies set up separate investment accounts for the insured, which are operated by specialized investment experts. After deducting a small amount of expenses, the investment income will be transferred to the insured's personal account. The insured does not participate in other profit distribution of the insurance company. The investment account does not promise investment returns, and all investment gains and losses of the investment account shall be borne by the insured.
Universal life insurance
Universal life insurance and dividend insurance are similar in terms of minimum income guarantee and sharing of operating results between insurance companies and policyholders, but they are more flexible in premium payment than dividend insurance. We can adjust the amount of insurance, premium payment and payment period according to the security needs and economic conditions at different stages of life, so that the proportion of security and financial management can reach the best state in each period and the limited funds can play the greatest role.
Insurance is a very unique financial management tool. If we make good use of insurance financial management means, it will greatly improve the effectiveness of financial management, greatly improve people's quality of life and fully protect people's economic interests.