What are the risks of asking 89 1 yuan a month? It depends on the specific insurance products purchased by the subject. The following is the information I compiled about MetLife in China and the United States ~
Don't worry, Sino-American MetLife is unreliable, but not credible. Will it lie? Under the comprehensive management of the Bank Insurance Association, we will ensure that the insurance company is formal, reliable and will not deceive people, and will definitely settle claims smoothly according to the contract. Moreover, the establishment of an insurance company needs at least 200 million yuan (laws and regulations are clearly written). If the insurance company can afford so much money, are you still afraid of being unreliable?
Among the top 500 world brands published on 20 18, Metropolis ranks 300th by its own strength. But just looking at this ranking is not enough. Next, I will analyze metropolitan insurance companies from solvency, reputation and product situation.
(1) solvency
According to statistics, the metropolis has settled more than 20,000 insurance policies on 20 18 1 1. Is the solvency level of metropolis good? Click on the list and you will know:
(2) Word of mouth
In order to have a higher speed of claim settlement, MetLife quickly launched a platform to let consumers solve their own renewal, claim settlement and hotline consultation services, which greatly saved consumers' time and was recognized by consumers and even the industry.
(3) Product information
Metlife's products include sincere care, hospitalization allowance, medical insurance, accident and major illness protection plan, health and lifelong illness insurance plan and self-driving accident insurance.
Analysis of life-long illness insurance plan;
Advantages:
The life-long illness insurance plan for healthy old-age pension can provide additional coverage to 65 years old, 75 years old, 85 years old and life-long, and it is flexible in terms of insurance matching and coverage period. All product responsibilities are very independent, and other additional responsibilities will continue to be effective after a serious illness.
Insufficient:
(1) The grouping of serious diseases is unreasonable.
Malignant tumors and other diseases are classified into the same group. Once such a group pays for malignant tumors, other diseases of this group cannot be paid again, and the probability of multiple claims becomes very low because there are too few groups.
(2) Repeated payment for minor illnesses is disappointing.
It is rare to see minor illness grouping in critical illness insurance. There is also a free interval for minor illnesses. Usually, the interval appears in the second payment of cancer. Obviously, such a setting is unpopular.
(3) the price is more expensive
The coverage includes serious illness, minor illness, exemption and main insurance. 30-year-old female, the insured amount is 500,000, the annual premium for healthy life is more than 1 1000, and the leisure life is only more than 6,000, which is almost half of the healthy life, and the leisure life is 20 19.
Summary: The strength of metropolis should not be underestimated, and its solvency and reputation are not bad. However, the price of products in metropolis is high, so the cost performance is not high. If you have to buy insurance from this company, the premium may be higher.