Constructive Life is doing okay both in terms of claims quality and insurance product output.
Because there are a lot of people who don't know about Jianxin Life and don't know much about the strength status of this insurance company.
Today, I'm going to give you a detailed review to help you get to know Jianxin Life better.
A, Jianxin life background reveal
Jianxin life was established in 1998, the amount of registered capital of 712,041,000 yuan yuan, the company's main business for life insurance, health insurance, accidental injury insurance and other types of life insurance business; but also contains the above mentioned business reinsurance business; also engaged in the business of life insurance, health insurance, accidental injury insurance and other types of life insurance. The main business of the company is life insurance, health insurance, accidental injury insurance and other types of life insurance business; also contains the reinsurance business of the above business; also engages in the utilization of insurance funds business permitted by the national laws and regulations; other businesses approved by the CIRC.
Constructive life in the life insurance industry market-oriented reform and in-depth cooperation between banks and insurance, and other aspects of the development, and constantly for life insurance and other business areas, the opening of capital management, property insurance, intervention in the health, pension, insurance comprehensive service capacity is also gradually improved.
So, does Jianxin Life make the list of China's top 10 insurance companies? Look here to find out:
"Freshly Released! Ranking of China's Top 10 Insurance Companies!
Two, Jianxin Life is really reliable?
Many people would like to know how the insurance company Jianxin Life is actually afraid of whether the insurance company will be able to make a claim after the insurance company has taken out a policy with Jianxin Life.
In fact you don't need to worry about this because the regulator will regulate all the insurance companies in the country and we are backed by the regulator which is the CBI set up by the government.
The CIRC is a public institution directly under the State Council, whose main responsibility is to supervise and manage the banking and insurance industries in accordance with laws and regulations, to promote the legal and sound development of the banking and insurance industries, to prevent and resolve financial risks, to protect the legitimate rights and interests of financial consumers and to ensure financial stability.
Constructive credit life is regulated by the CBI, which is very strict in its examination of insurance companies, and will not relax its examination standards regardless of whether the insurance company is big or small.
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Three, Jianxin Life solvency actually how?
Because solvency is the lifeblood of an insurance company, in the case of this indicator passes, can be enough to prove that this insurance company has the ability to be responsible for everyone's policy, which relates to the important matter of claims.
For the solvency of the insurance company, the CIRC has made the following provisions: core solvency adequacy ratio ≥ 50%, comprehensive solvency adequacy ratio ≥ 100%, and the risk of comprehensive rating ≥ B class.
The solvency of an insurance company can only be called up to standard if the above three conditions are met at the same time.
Let's take a look at CCB Life's solvency situation:
In Q1 2022, CCB Life's core solvency adequacy ratio and consolidated solvency adequacy ratio reached 91% and 145%, respectively, and its latest risk composite rating was BB category.
That is to say, Jianxin Life's solvency metrics have reached the passing line.
Four, what are the types of insurance worth buying for Jianxin Life?
Each insurer's specialty insurance varies, with some selling extremely broad coverage, while others focus their sales on the same types of insurance.
Like Sunshine Insurance, the insurer's car insurance product is extremely well known, while Tongfang Global Life, the insurer's critical illness insurance product is a hot seller.
And Jianxin Life's main specialty insurance has to be life insurance. When it comes to building life insurance, Jianxin Life can be said to be giving its best.
Life insurance can mainly provide death protection liability, some products can also protect the total disability or high disability, and even some transportation accidental death, legal holidays transportation accidental death can be protected.
Based on the length of the coverage period, life insurance can be divided into the following two types: whole life insurance and term life insurance; and whole life insurance can be divided into fixed whole life insurance and increased whole life insurance.
Fifth, Jianxin Life's popular products
Jianxin Life's main products range of business involves health life insurance, travel protection, pension annuities, children's insurance and so on, and it has a lot of popular products.
For example, for incremental whole life insurance, CCB Life's Dragon Shine B and C whole life insurance are hot sellers; for medical insurance, there is the Long An eSheng (Premium Edition) medical insurance with high sales volume; and for comprehensive insurance plans, there is the Dragon Enjoy Million Body Value B insurance product plan, and so on.
So are these popular products really worth buying, and what are the products that you should never buy from CCB Life? Click on the link below, the school sister to bring you Jianxin Life popular products detailed evaluation, read the absolute do not step on the pit!
How strong is Jianxin Life? A article to solve your confusion!
Sixth, before buying must see the anti-pothole small tips
Previously, the sister said, compared with the State Life, PICC and other well-known insurance companies, Jianxin Life seems to be our mouth "small company", but it is not a good idea to buy a new one. "In fact, insurance companies do not distinguish between big and small.
The reason is that, in fact, it is not easy to set up an insurance company in the country, what we usually call a small company, in fact, it is not small, against the insurance company there is a limit of registered capital, in order to register an insurance company in the country must have a registered capital of more than 200 million yuan.
That is to say, like Jianxin Life, such a very small name of the insurance company, the strength of the background is no way to estimate, the guys in the purchase of insurance can not be too small because of the name of the insurance company to ignore their products!
Combined with the above content to see, buy insurance is to buy the product itself, can not be the popularity of the insurance company around, buy insurance products to buy protection content over the product.
Written in the last
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
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