So now we need to solve some problems, which belong to big companies. How do we choose? Which one should I choose?
Today, Senior Sister will come to meet Sunshine Insurance and China Life Insurance!
What's the difference between these two insurance companies? Which insurance company is better?
First, the strength of Sunshine Insurance Company is open!
Sunshine Insurance, also known as Sunshine Insurance Group Co., Ltd., was established in July 2005. It is one of the seven largest insurance groups in China, with a total registered capital of 654.38+003 billion yuan. It owns many professional subsidiaries such as property insurance, life insurance and asset management.
For example, Sunshine Life Insurance Company was formally established in June 5438+February 2007. Is a national professional life insurance company mainly engaged in health insurance, life insurance, accident insurance and other life insurance business. The registered principal is 9 1.7 1 100 million yuan.
Up to now, the company's business area has covered 29 provinces, municipalities and autonomous regions, with 30 second-level institutions and more than 600 third-and fourth-level branches.
In the first quarter of 2022, Sunshine Life's core solvency adequacy ratio reached 126.92%, and its comprehensive solvency adequacy ratio was 18 1.77%, which was recognized as B in the risk rating of the fourth quarter of 2002/kloc-0.
No matter from the perspective of registered capital or solvency, we can see that the strength of Sunshine Life is not bad.
Just looking at these data, some friends may not understand. Please read this article for details:
How about Sunshine Insurance Company? Is the product worth buying? The most comprehensive evaluation of the whole network! 》
Second, the strength of China Life Insurance Company is open!
Next, I will talk about China Life Insurance Company, or China Life Insurance for short. Headquartered in Beijing, it is actually a state-owned super-large financial and insurance enterprise company.
The company's predecessor was the former China People's Insurance Company, which was established in 1949. 1996 was established as PICC life insurance co., ltd, and 1999 was renamed as China life insurance company.
In 2003, with the approval of the State Council and the former China Insurance Regulatory Commission, the former China Life Insurance Company was reorganized. {Difference between Sunshine Insurance Company and China Life Insurance Company -29} Its registered capital is as high as 6,543.8+08.8 billion yuan.
In 20021year, China Life Group ranked 32nd in Fortune Global 500, a world brand laboratory, and 5th in China Top 500 most valuable brands.
In 2022, China Life's core solvency adequacy ratio in the first quarter was quite good, reaching 65,438+076.39%, and it also had a comprehensive solvency adequacy ratio of 247.60. At the same time, it obtained the A-level risk rating in the fourth quarter of 20265,438+0.
According to the above indicators, we can find that the solvency of China Life is very strong, and the strength behind China Life is also outstanding. If you want to know more about China Life, you can read this article:
How about China Life? What products are there? 》
3. Sunshine Insurance vs China Life Insurance, who is stronger?
1. Company background comparison
{Difference between Sunshine Insurance Group and China Life Insurance Company-13} The registered capital adds up to RMB 654.38+003 billion. {Difference between Sunshine Insurance Group and China Life Insurance Company-14} It has several professional subsidiaries such as property insurance, life insurance and asset management.
In 2003, China Life realized the restructuring, with a registered capital of 654.38+088 billion yuan, with strong strength. 2026.5438+0, China Life Group entered the Fortune Global 500 list, ranking 32nd.
Facing the time of establishment and registered capital, China Life Insurance is superior to Sunshine Insurance, but the strength of these two insurance companies should not be underestimated.
2. Comparison of solvency
{Difference between Sunshine Insurance Group and China Life Insurance Company-16} The solvency of different companies is different, such as Sunshine Life Insurance. In the first quarter of 2022, Sunshine Life's core solvency adequacy ratio reached 126.92%, and its comprehensive solvency adequacy ratio was 18 1.77%, which was recognized as B in the risk rating of 20021fourth quarter.
{The difference between Sunshine Insurance Company and China Life Insurance Company is -4 1} The comprehensive solvency adequacy ratio is also 247.60, and it was rated as a risk in the fourth quarter of 202/kloc-0.
According to the relevant data, the solvency of China Life Insurance and Guang Life Insurance both reached above the standard line, and the index rate far exceeded the index set by CBRC. Therefore, the solvency of these two companies is very good and their strength is quite good.
3. Comparison of superior insurance types
Sunshine Insurance Company belongs to a comprehensive insurance group, involving asset management, life insurance and property insurance. Its characteristics are health insurance and life insurance. At present, the more popular products are sunshine orange term life insurance, sunshine I life insurance critical illness insurance (exclusive to the Internet) and so on.
The main business of China Life Insurance Company is financial insurance, property insurance and life insurance. At present, the most popular ones are whole life insurance, lifelong critical illness insurance (version 202 1, paragraph C) and old-age security.
So are these hot items worth buying? Most friends may think that if the insurance company has no problems, then its products are good? Actually, I can't think so either. Whether the product is strong or not depends mainly on its guarantee content and compensation conditions. However, these factors can determine whether you can get a claim.
Senior, take Sunshine Life-long Critical Illness Insurance (Internet-only) as an example to tell you how to analyze a product:
"Sunshine, I guarantee that the Internet lifelong critical illness insurance is worth buying? These places need attention! 》
Generally speaking, Sunshine Insurance and China Life Insurance are both excellent insurance companies. You can choose which company in a humanized way. Senior sister wants to remind everyone that while choosing products, although it is very important to know about insurance companies, the content of product protection is also very important, so think twice before you act!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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