I. Development of AIA
AIA first came to the mainland on 19 19, and finally 1992 officially entered China. At present, AIA is headquartered in Hongkong, China, and set up a branch in Shanghai in the same year. In terms of time, it can be regarded as a century-old enterprise.
Second, AIA became the only wholly foreign-owned insurance company in China.
It is precisely because AIA entered the China market earlier that it successfully circumvented the restriction that "the proportion of foreign capital should not exceed 50% of the company's total share capital" and became the only wholly foreign-owned insurance company in China.
Three. Solvency in the first quarter of 2020
Solvency refers to the ability of insurance companies to repay debts, which reflects the relationship between assets and liabilities. The higher the solvency, the less likely the company will go bankrupt.
The newly announced core solvency in 2020 is as high as 464.37%, which shows that the company has abundant funds and does not have to worry about bankruptcy.
Besides AIA, which insurance companies have high solvency? Look at this list: solvency ranking | Which insurance company can best "compensate" in 2020? 》
4. What are the main products of AIA?
AIA is mainly engaged in life insurance business, including life insurance, health insurance, accident insurance and annuity insurance. The main products are shown in the following figure:
Whether AIA is worth buying depends on the specific product, so I will briefly introduce a product, taking AIA's critical illness insurance "Quanyou Xianghui 20 19" as the evaluation object:
Advantages:
1. Protection for serious and minor diseases, covering all major high-incidence serious and minor diseases, as well as protection for death and total disability;
2. Additional protection can be flexibly matched: you can choose additional multiple compensation for serious illness, multiple compensation for cancer and accidental injury protection.
Insufficient:
1. Minor ailment protection is defective, and there is invisible grouping. The compensation ratio of the first two minor ailments is low.
2. The cost performance is not high, and the premium burden is heavy, which is not suitable for working families to buy.
Generally speaking, AIA's background is still very strong, but there is still a big gap with domestic first-line brands, such as Ping An and China Life Insurance. If you want to buy insurance, you should pay more attention to the product itself. It is suggested to compare similar products: "Top 10 popular critical illness insurance stocks worth buying! 》
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Source: "What happens after borrowing from AIA? How to borrow it? Is it good to borrow? " -high flyers said safety net.