Is there really a product that will be so outstanding? Senior sister was also worried that everyone would suffer, and immediately found out its terms one by one, and found that this product really had many traps. If you doubt, senior sister will come and analyze with you carefully!
1. Is Taikang Life Reliable?
What can be used to judge the quality of an insurance company? Poke the link below to see:
"Through what content to choose insurance companies? 》
Let's analyze the company strength, premium income and solvency of Taikang Life Insurance Company to see how this company is:
company strength
Taikang Life Insurance Co., Ltd., with a registered capital of 4 billion yuan, was established in August 2007 10. Not only that, it also has 34 branches and 2 enterprise annuity centers, which have served more than 420,000 corporate customers and more than 34 million employees.
Insurance premium income
What is premium income? It is a kind of consideration income that the insurance company collects from the insured for fulfilling the obligations stipulated in the insurance contract. Premium income is the main partner of insurance company's capital inflow, which can increase the company's income and can be said to be the insurance company's assets.
So judging how an insurance company is doing, premium income is definitely the first evaluation standard!
In 20 19, the premium income of Taikang Life Insurance was13,083.8 billion yuan, accounting for 4.42% of the market share, with a year-on-year increase of 1 1.49%.
solvency
Whether an insurance company can make claims depends on the data, that is, solvency. Solvency can reflect the financial stability of insurance companies, and also affect customers' choice of insurance companies to some extent.
According to the solvency report of Taikang Life Insurance in the second quarter of 2020 published by China Insurance Association, we can intuitively see some of them. The core solvency adequacy ratio is 249.85%, the comprehensive solvency adequacy ratio is 250.56%, and the comprehensive risk rating is Grade A..
Second, the years have a big secret about dividend income, so you must read it!
Give you a general analysis, I think you can also see from the above data that Taikang Life Insurance is a very good company ~
Maybe everyone will ask, is this Taikang Life Insurance (dividend-paying) really reliable? Is it really credible? The following article can answer your questions:
What is the most real income of Taikang's annual contract insurance? How much is the interest? Come and see. "
Stop the ink and get to the point:
As can be seen from the figure, this product provides lifelong protection for people aged 0-60, who are very suitable to start. There are various payment methods, including wholesale payment and 3/5/ 10/ 15/20 years payment, which can be matched with Taikang Jiafu 1 whole life insurance (universal) and Taikang health partner exemption insurance.
Survival insurance is paid at the agreed time, and the age when the pension is paid is 60/65/70/75. If you receive it annually, you can get the basic coverage of 1 1.866 times, or you can receive it for 25 years.
The year is about in the guarantee content of pension annuity insurance ~
Here are some of its advantages:
Insurance reduction
If the insured does not have any insurance accident, the insured can apply for insurance reduction after the hesitation period. When insurance is reduced, the basic insurance amount is in the same proportion as the insurance premium, and then the cash value corresponding to the reduced basic insurance amount is received.
After the insurance is reduced at the request of the insured, the basic insurance premium and insurance premium need to meet the requirements of the insurance company.
Elderly community
After purchasing age-related pension insurance, you can enjoy Taikang Happy Lifelong Pension Plan first, and you can choose your own pension community.
(1) Guaranteed occupancy: The insured or the insured has the right to guarantee occupancy in the community.
(2) Priority occupancy: the parents of the insured and the parents of the insured's spouse enjoy priority occupancy, but they need to pay their own expenses.
(3) Admission discount: ensure that the spouse of the check-in party enjoys the admission fee discount.
(4) Discretion: insurance money can be collected or used to pay community fees.
Indeed, how much dividends this product can get is what everyone cares most about ~
What I'm showing you now is the dividend rules of Taikang old-age insurance:
In each policy year, if the contract is still valid, whether the insurance company can distribute dividends to the insured depends on the actual operation of the dividend insurance business. If the insurance company pays dividends, the company will determine the amount of dividends to be paid to the insured on the policy dividend payment date according to the relevant actuarial regulations. We all know that dividend is not a constant, it is the most attractive and changeable. On the one hand, it is inefficient and inconvenient to take out. On the other hand, dividends depend on the company's profits. Therefore, we should start with the actual operation of the company to make distribution, and finally we can only listen to the insurance company, which is heartbreaking!
Generally speaking, the basic security of old-age care in Taikang is still good, and dividends need to be cautious! If everyone has a sufficient budget, this product is still worth insuring.
If you want to buy annuity insurance, you must be physically safe. Finally, I'll give you a guide to buying insurance. If you see it, you will win it:
"I don't know how to buy insurance yet. Look at this "insurance scam"! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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