Customer service
Chinese and foreign joint venture insurers are indeed higher in management than Chinese insurers, which are heavily state-owned.
How to describe it, with China now the most awesome taxi to compare it, drip taxi and Youbu customer service, drip complaints, stone sinking sea, Youbu will respond the next day, and there will be an exchange of emails. DDT genuinely bad reviews. Quality is extremely poor.
Company Composition
Generally the Chinese insurance company salesman's favorite saying is that the joint venture insurance company is small, is a small company, easy to collapse, but there is a strange contradiction in terms, Chinese insurance company agents often hang on to their mouths again and again, saying that China's insurance companies will not go bankrupt and close down. That's because the Chinese agents, did not even seriously look at the "Insurance Law", in China want to open an insurance company, whether Chinese or joint venture, must be approved by the CIRC, the registered capital of 200 million, after a very strict audit, in order to open, and the CIRC will also supervise the solvency of each insurance company, if the solvency is too low, will be ordered to rectify the situation. In other words, Chinese and joint venture insurance companies are subject to the supervision of the CIRC without distinction. Joint venture insurance companies, Chinese shareholders are not not strong, just not Ping An, State Life's advertising bombing so often, joint venture insurance companies, foreign shareholders, are generally world-class financial groups, will not brag about whether the central enterprises or private enterprises, such as Ingenieur, Manulife Financial, the global life group, the country does not know, does not mean that the background is not strong. Insurance company which is strong, I just happened to organize the relevant content, I hope to help you: the latest list! The country's top ten insurance companies ranked
Here's a little story, the Second World War, there is an insurance company people are paid out, the death of Princess Diana paid out 50 million pounds, the Titanic sank, but also paid out a huge amount of cash insurance. Of course, not Chinese insurance companies.
Terms Liability
Most of the new liability clauses are designed by foreign companies first, and then Chinese companies follow suit and update them.
For example, critical illness waiver, death waiver, minor illness waiver, minor illness multiple payout, major illness multiple payout, and long term care liability.
In terms of auditing, foreign underwriting is stricter and Chinese underwriting is relatively more lenient, especially for Chinese insurers in the open-door phase.
Rates
Chinese XAn, XPingYang, and China XLife can still hold their own and even outperform others despite the fact that their terms and conditions and service quality are much worse than those of others. There is only one reason, the army of agents is invincible. The first is a self-consumption group, and then use human consumption around the relatives, friends, so that Amway truly no harm.
Employee quality
Joint venture insurance company agents and Chinese insurance company agents, the most obvious is age. Joint venture insurers are generally no older women. Chinese insurance company agents, maybe this time is in the square dance (^_^),the quality of the practitioners, the age of the problem can be explained.
Young people can accept that their company's products are not as good as others, relatively objective and neutrality is higher
Square dancing, after being brainwashed, simply added bloodthirsty fanatics.
Yes, I don't like Chinese insurers at all because I've stayed there, I know them, and I have a say. I deal with a lot of Chinese, and JV insurers now, and in general, the Chinese are improving, and the JV's are more disciplined and value the customer experience.
The subject's insurance awareness is good, but the information is incomplete to provide advice of practical value.
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Annual household income, expenses, how much debt, family member structure, children's expected education expenses, whether the elderly support needs to be borne, the annual burden of the approximate how much?
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