First of all, the strength of Caixin Life Insurance Company is sometimes good and sometimes bad.
Caixin Life Insurance Company, also known as Caixin Auspicious Life Insurance Co., Ltd., was established with the approval of the Insurance Regulatory Commission of Bank of China in 20 12, and is a state-owned holding insurance institution.
The subscribed capital contribution in this period is 3.46 billion yuan. There are 134 branches in five provinces such as Hunan and Hubei, with 28.47 million customers, and the accumulated compensation is1140,000 yuan.
With the consent of China Banking and Insurance Regulatory Commission, the Company mainly deals in life insurance, health insurance, accident insurance and other life insurance, as well as reinsurance of life insurance.
Here, the senior also compiled several very good insurance companies for everyone to compare:
"Fresh! Top Ten Insurance Companies in China! 》
Second, is Caixin Life Insurance Company really reliable?
First of all, insurance companies that can be established in China are more reliable.
This is because all kinds of laws and regulations in China have very strict requirements for the establishment of insurance companies. Besides being rich and powerful, they must also know how to operate. After the establishment of insurance companies, they must accept the seven regulations of China Banking and Insurance Regulatory Commission.
It mainly includes seven contents: capital operation restrictions, reinsurance mechanism, insurance benefits, provident fund requirements, quarterly report submission, solvency requirements and responsibility fund preparation.
Under such strict supervision and management, it is difficult for insurance companies to deal with any moths ~
Even if it goes bankrupt one day, the Bank of China Insurance Regulatory Commission can designate other insurance companies to take over the whole business, including the insurance policies held by this insurance company.
Therefore, after the distribution of insurance, if the insurance company goes bankrupt, the rights and interests of the insured will not be affected, and the takeover company will continue to perform its guarantee responsibility.
So the insurance company is very reliable.
3. What is the solvency of Caixin Life Insurance Company?
Solvency supervision is covered by seven laws and regulations.
When you plan to buy insurance, you will definitely think, what should you do if the insurance company has no money to pay after you take out insurance?
Solvency can be said to be a standard to consider whether an insurance company has the ability to make claims.
The Insurance Regulatory Commission of the Bank of China stipulates that the core solvency adequacy ratio is above 50%, the comprehensive solvency adequacy ratio is not lower than 100% and the comprehensive risk rating is not lower than Grade B before it can pass.
We can see from Caixin Life official website that its latest core solvency adequacy ratio is average, reaching 100. 17%, and its comprehensive solvency adequacy ratio is 170. 12%. The results of the last two comprehensive risk ratings are all Class B, which fully meets the requirements.
In other words, when you insure the insurance products of Caixin Life Insurance Company, you don't have to worry about the fact that the insurance company can't make claims.
4. What are the advantages of Caixin Life Insurance Company?
Caixin Life Insurance Company's main business is to provide all kinds of life insurance, and its business scope includes life insurance, health insurance and accident insurance.
Among the high-quality products owned by Caixin Life Insurance, life insurance product plan is among them. In addition to receiving the annuity on schedule, you can also choose universal insurance whole life insurance, which makes the financial nature of the protection plan more significant.
At the same time, small medical insurance, millions of medical insurance and accident insurance are also included in the scope of protection, which makes the insured enjoy more complete protection services.
This kind of protection plan is combined, with many guarantees and high premiums. Everyone can decide whether to buy it according to their own needs.
Among many insurances, it is recommended that you give priority to critical illness insurance. After all, the cost of serious illness treatment is not small, which is not affordable for ordinary families.
Verb (abbreviation of verb) Evaluation of the best-selling products of Caixin Life Insurance Company
Caixin Life Insurance Company's health insurance includes Caixin Life Huimin life critical illness insurance and Caixin life vaccine insurance products. Life insurance includes Caixin Life Insurance Product Plan (Excellent Edition), Caixin Life Insurance Xinruyi Universal Insurance Product Plan, Caixin Life Insurance Fuwa Education and Health Insurance Product Plan, etc. Accident insurance includes auspicious life insurance and auspicious safety accident insurance.
If you want to know more about this insurance, you must look at the following detailed evaluation:
"Auspicious life is powerful! But the product is ... "
6. There are still some things to pay attention to before buying insurance.
Many insurance whites are confused before buying insurance, and don't know what problems to pay attention to.
In fact, when buying insurance, the most common problems are how much to buy and how to choose the payment period and guarantee period.
Senior sister will discuss the coverage of critical illness insurance with you.
The amount of critical illness insurance should generally be considered from the degree of risk and the actual economic situation of the individual.
Generally, the cost of treating a serious illness is 200,000 to 300,000 yuan. At the same time, if the breadwinner of the family is diagnosed as a serious illness, the main source of income of the family will be lost.
The daily life of families is difficult to maintain, and some families have to repay mortgage loans, car loans and so on. The economic pressure is even greater.
Therefore, when calculating the amount of insurance, we can look at the cost of treatment, family daily expenses, family loans and other expenses. Most families suggest starting with 300,000 insurance coverage, and 500,000 insurance coverage is more adequate.
The higher the insurance coverage, the more expensive the premium. Therefore, everyone should consider personal economic situation when configuring insurance.
Finally, the seniors sorted out the precautions for buying insurance. If you are interested, you can check:
Which kind of insurance is better, how to buy cost-effective insurance, and teach you to avoid these pits of insurance.
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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I will give you the most professional advice based on years of experience in configuring insurance for 10W+ families.
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