Whether the insurance financing of Postal Savings Bank is risky or not needs to be analyzed by types of insurance.

Financial types of insurance mainly include annuity insurance, universal insurance, dividend insurance and investment-linked insurance.

Among them, the risk of annuity insurance may be low, after all, its income can generally be determined. Universal insurance will have certain risks, because it generally requires initial costs, security costs and so on. And security costs generally increase with age, and sometimes there may be losses. The income of dividend insurance depends on the operating conditions of the dividend insurance business of the insurance company. So if the operation is good, the dividend may be higher. If the business is not good, there may be little or no dividend. Investment-linked insurance is somewhat similar to investment funds of securities companies, and the risk level depends on the choice of consumers.

In addition, there may be small partners who are worried that the insurance company will not make claims, but in fact, as long as we avoid the following situations when making claims: we have not prepared the claim materials, touched the exemption clause, and went out of danger during the waiting period, then the insurance company will generally not refuse to pay compensation. After reaching a settlement agreement, the insurance company will pay the insurance premium within 10 days.

What else do you want to know about insurance? Look at the following article: Super Complete! Everything you want to know about insurance is here.

Insurance products sold by banks are generally more reliable. After all, banks will strictly examine the insurance products they sell, and banks will also strictly manage them. As a large state-controlled commercial bank, the Postal Savings Bank will naturally be more stringent. Therefore, small partners can buy insurance products with confidence. To know how banks sell insurance, you can read the following article: How about bank insurance? These contents need to be cautious!

However, although insurance products are reliable, not every insurance product is suitable for us. We all need to choose the insurance products that suit us according to our own situation and ability. Generally speaking, when we choose insurance products, we need to pay attention to: 1, whether the policy benefits are rich, such as annuity insurance. We can see whether the policy benefits of products include policy loans, reduction settlement, annuity conversion rights and so on. 2. Is the guarantee period flexible? Some insurance products have only one choice, which may be unfriendly to the insured. Some good products on the market can provide policyholders with a variety of choices, which are still relatively flexible. What other precautions are there? You can understand the following article: before buying insurance, you must first understand these key knowledge points!

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