First, the strength of China Life is getting stronger and stronger!
China Life was formerly known as 1949 and 10 in June, and was formally approved by the central government. It is one of the earliest insurance companies in China. After the change and reorganization, Qianhoujiao was listed overseas and domestically, becoming the first financial and insurance enterprise listed in three places in China.
China Life Insurance is a leading enterprise in the domestic life insurance industry, headquartered in Beijing, with a registered capital of 28.265 billion yuan.
From its establishment to 20021,65438+2,31,China Life has about 323 million effective long-term personal and group life insurance policies, annuity contracts and long-term health insurance policies, and also provides personal and group accident insurance and short-term health insurance policies and services.
2. Is China Life Reliable?
When configuring insurance, many people worry that China Life is unreliable and China Life has no way to settle claims.
In fact, there is absolutely no need to worry. The probability that an insurance company refuses to make a claim is actually not high.
Everyone should have heard of "one line, three meetings"-the central bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission. In short, the CIRC relies on the existence of the State Council! At the beginning of 20 18, CBRC and CIRC merged and eventually became CBRC and CIRC.
China Banking and Insurance Regulatory Commission not only conducts quarterly, semi-annual and annual reviews, but also conducts daily reviews. And the complaint data of various insurance companies will be published from time to time.
Under the strict supervision of CBRC, it is difficult for insurance companies to come up with other tricks, and so is China Life.
In 2009, China United Insurance suffered a very serious loss, and it was basically unable to pay for it. Therefore, the China Insurance Regulatory Commission urgently took over the offer and increased its capital by 6 billion yuan.
So to sum up, whether it is a big insurance company or a small insurance company, it is actually very reliable, and so is China Life.
However, some people may ask, what is the difference between a big insurance company and a small insurance company? If you have this question, take a look at the following popular science:
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of China Life?
To tell the truth, although the supervision in China Banking and Insurance Regulatory Commission is particularly strict, it will be quite annoying for consumers if there is a claim dispute.
Therefore, at this time, it is obvious that the solvency of insurance companies is very important. After all, if the funds are extremely abundant, the probability of refusing compensation will be relatively low.
The quarterly solvency summary report disclosed by China Life shows that in the first quarter of 2022, the core solvency adequacy ratio of China Life was 65,438+076.39%, and the comprehensive solvency adequacy ratio was 262.465,438+0%. The comprehensive risk rating results of the first two quarters are all A, but this result is completely within the qualified line stipulated by the CBRC.
Because the CBRC stipulates that the solvency of an insurance company is: core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and comprehensive risk rating ≥ B, as long as the above three requirements are met, it is a company with solvency standards.
Since the solvency of insurance companies will be updated every quarter, if you want to make sure that you know the latest data, you can look at the latest solvency data of China Life compiled by this senior to see if it meets the standards:
How about China Life? What products are there? 》
4. What are the advantages of China Life?
Annuity insurance is the main characteristic insurance of China people's life. During the period of 20021,the company newly developed and upgraded eight annuity insurance products, and the top five insurance revenues were annuity insurance.
In the national strategy to deal with the aging population, China Life gives full play to its advantages, actively serves customers, gives full play to the advantages of long-term capital utilization and long-term risk protection, and pays attention to the scope and benefits of protection, and issues exclusive commercial endowment insurance and special annuity insurance products for elderly customers.
In fact, the benefits of annuity insurance can help you better cope with the risks of providing for the aged and plan the education fund.
Verb (abbreviation of verb) Evaluation of China Life's Hot Products
In fact, China Life Insurance is mainly engaged in providing life insurance, annuity, health insurance and accident insurance products for individuals and groups, including pension, illness, survival, medical care, death and disability, etc., which can meet customers' insurance protection and investment and financial management needs in the field of life insurance in a diversified way.
Its best-selling insurance products include Guo Shoufu series and Guo Ningbao series.
Sixth, be sure to read the tips before buying insurance!
Seeing this, I believe everyone understands a detailed standard of how to judge whether an insurance company is good or not. However, insuring insurance products is not as simple as choosing an insurance company. Different insurance products are different in premium, coverage content and coverage period.
As far as critical illness insurance is concerned, some products provide protection against minor, moderate and severe diseases, and some products even provide protection against minor and severe diseases. Some products are only guaranteed for one year, while others are guaranteed for life.
It doesn't seem difficult, but many times, if the insurance white doesn't master the insurance knowledge, it is easy to fall into the pit. So, how should I buy insurance? If you want to know immediately whether an insurance value is worth buying, you can take a look at the following pit avoidance strategies:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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