The bancassurance products of Agricultural Bank of China refer to insurance company products sold in Agricultural Bank of China. To put it bluntly, the bank is just a sales channel, or Agricultural Bank of China is a third-party custodian institution. However, this product is not operated by the Agricultural Bank of China, but by the insurance company. Therefore, as long as the products of a formal insurance company are purchased through formal channels, they are legal.

It is difficult to say whether it can be higher than a three-year fixed deposit. In general, the income of participating financial insurance depends on the income of the product. If the income is large, you will be divided more, and if the income is small, you will be divided less. Therefore, your income may be higher than the bank's regular income, or it may be less than the bank's regular income.

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