Because many people don't know CCB Life and don't know much about the strength of this insurance company.
Senior sister will give you a detailed evaluation today to help you better understand and know Jianxin Life Insurance.
First of all, the big secret of Jianxin's life background
CCB Life Insurance was established in 1998 with a registered capital of 7 12046 1 ten thousand yuan. The company's main business is life insurance, health insurance, accident insurance and other life insurance businesses. It also includes the reinsurance business of the above business; Also engaged in the use of insurance funds permitted by national laws and regulations; Other businesses approved by China CIRC.
CCB Life has continuously developed in the market-oriented reform of life insurance industry and deep cooperation between banks and insurance companies, continuously opened up life insurance and other business fields, started asset management and property insurance, intervened in health and pension, and gradually improved its comprehensive insurance service capability.
Then, can CCB Life be selected into the list of the top ten insurance companies in China? Look here and you will know:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is CCB Life really reliable?
Many people want to know what the insurance company CCB Life is like. In fact, what they are afraid of is whether the insurance company can settle claims after Jianxin Life Insurance is insured.
In fact, you don't need to worry about this, because the regulator will supervise all insurance companies in China, and behind us is the regulator, which is held by the China Banking and Insurance Regulatory Commission established by the government.
China Banking Regulatory Commission belongs to the institutions directly under the State Council. Its main duties are to supervise and manage the banking and insurance industries according to law, promote their legal and steady development, prevent and resolve financial risks, protect the legitimate rights and interests of financial consumers and ensure financial stability.
CCB Life Insurance is supervised by China Banking Regulatory Commission, which is very strict in auditing insurance companies. No matter how big or small the insurance company is, the CBRC will not relax its examination standards. Therefore, you don't have to worry about whether CCB Life is reliable.
If you don't want to spend more money, how should large and small companies choose? Click on the link below to help you choose!
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of CCB Life?
Because solvency is the lifeline of an insurance company, only if this indicator is qualified can it prove that the insurance company has the ability to be responsible for everyone's policies, which is related to the big problem of claim settlement.
Regarding the solvency of insurance companies, the CBRC has made the following provisions: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B.
Only when the above three conditions are met at the same time can the solvency of an insurance company be called up to standard.
Let's take a look at the solvency of CCB Life:
In 2022 1 quarter, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of CCB Life reached 9 1% and 145% respectively, and the latest comprehensive risk rating was BB.
In other words, the solvency index of CCB Life has reached the passing line.
4. What insurance is worth buying for CCB Life?
Every insurance company has different types of insurance. Some companies sell all kinds of insurance, while others focus on the same type of insurance.
Like Sunshine Insurance, this insurance company's auto insurance products are very well known; The critical illness insurance products of Tongfang Global Life Insurance Company sell well.
The main characteristic insurance of CCB Life has to be life insurance. When building life insurance, Jianxin Life Insurance can be said to be the ultimate.
Life insurance can mainly provide death protection responsibility, some products can also protect total disability or high disability, and even some vehicles can be protected from accidental death and legal holidays.
According to the length of the guarantee period, life insurance can be divided into the following two types: whole life insurance and term life insurance; Whole life insurance can be divided into whole life insurance and whole life insurance.
Verb (abbreviation of verb) The starting point of popular products of Jianxin Life.
CCB Life's main business scope covers health life insurance, travel insurance, pension annuity, children's insurance, etc., and it has a number of popular products.
For example, whole life insurance, Longyao I B and C whole life insurance under Jianxin Life Insurance are all popular products; The medical insurance with relatively high sales volume includes longan electronic health (exclusive version) medical insurance; The comprehensive insurance plan includes the million insurance product plan and so on.
So are these popular products really worth buying? What products should CCB Life not buy? Click on the link below, and Senior Sister will give you a detailed evaluation of CCB Life's popular products. You will never step on the pit after reading it!
What is the strength of CCB Life? An article solves your confusion! 》
6. Be sure to read the small pit prevention tips before buying.
As my senior told you before, compared with well-known insurance companies such as China Life Insurance and PICC, CCB Life seems to be a "small company" in our mouth. In fact, insurance companies are neither big nor small.
The reason is that it is not easy to set up an insurance company in China. What we usually call a small company is actually not small. The registered capital of insurance companies is limited. An insurance company registered in China must have a registered capital of more than 200 million yuan.
In other words, there is no way to estimate the strength background of CCB Life, an insurance company with a very small reputation. When buying insurance, don't ignore the products of insurance companies because they are too famous!
In view of the above, buying insurance means buying the product itself and cannot be affected by the popularity of the insurance company. Buying insurance products means buying products that guarantee the content to pass the customs.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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