How cost effective is MetLife insurance?

It's very high, it's very secure.

MetLife has launched many insurance products, such as peace of mind accident insurance, angel 2020 medical insurance, premium annuity insurance (participating), Beiyou lifetime critical illness insurance and other insurance, but the cost performance of different types of insurance products is not the same, some products are cost-effective, and some products are relatively low, which requires specific product analysis.

For example, Angel 2020 medical insurance has basic hospitalization medical insurance, as well as proton heavy ion and malignant tumor medical insurance, but the product only has a one-year protection period, and it must be renewed after expiration.

Is Sino-US Metsea Insurance Company reliable? Is the product worth buying? One article revealed!

MetLife, whose full name is Sino-US Luen Thai MetLife Insurance Company, is a national life insurance company approved by the China Banking and Insurance Regulatory Commission, with a registered capital of 2.7 billion yuan, founded in 2005 and headquartered in Shanghai.

MetLife Insurance Company is a Sino-US joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment, of which MetLife is a global financial services company, which has been established in 1868 and has accumulated abundant capital and occupies an important position in the market in many places around the world.

According to the information disclosed by the China Banking and Insurance Regulatory Commission, in the third quarter of 2022, MetLife Insurance Company's core solvency adequacy ratio was a comprehensive solvency adequacy ratio, and the latest risk comprehensive rating was A, which met the solvency standards stipulated by the CBIRC.

In addition to solvency and company strength, if you want to know whether a company is good or not, you also need to look at the insurance company's user reputation, service rating, etc.:

When we look at insurance companies, what exactly do we look at?

Finally, the insurance applicable to different age groups is different, and blind purchase may be a waste of money, see here for the specific insurance plan:

How to buy insurance for different age groups? Everyone should have their own plan.

MetLife Insurance is worthy of recognition in terms of its own strength and service level, and its reputation among consumers is guaranteed and worthy of recognition. If you need to buy MetLife insurance, you can prepare in advance and choose a formal channel to apply for insurance according to your own situation.

Extended information: 1. MetLife Insurance Claims and Word of Mouth: The key to buying insurance is to keep up with the claims.

The speed at which MetLife insurance claims settle can reflect how good the insurance company is. It is reported. As of November 2018, Met's claims have been settled on more than 20,000 policies, and the speed of claims settlement has been recognized.

It is reported that in order to speed up the settlement of claims, MetLife Insurance has launched an automatic platform for micro-customer service, which allows consumers to solve insurance renewal, claims, preservation and consulting services through the self-service platform, avoiding the trouble of offline claims and saving time for consumers. Not only that, MetLife Insurance has also won the "Green Finance Ark Award for China's Insurance Industry", which is recognized by the industry and consumers. In terms of Met's reputation and claims services, MetLife Insurance is still relatively reliable.

2. MetLife Insurance: Founded in 1868, MetLife Insurance has a history of more than 150 years, and in the process of continuous development, MetLife Insurance provides various insurance services to nearly 100 million customers around the world. According to the latest news, among the top 500 world brands announced in December 2018, MetLife Insurance Company.

Ranked 300th.

3. Insurance claim settlement refers to the act of the insurance company performing the liability of compensation or payment in accordance with the provisions of the contract when the insured suffers damage to the property or personal life of the insured due to the occurrence of an insured accident in the subject matter of the insurance, or when the insurance money needs to be paid due to the occurrence of other insured accidents as stipulated in the policy, which is a direct embodiment of the insurance function and the performance of the insurance responsibility.

4. Claim method: There are two ways for the insurance company to settle claims to the policyholder according to the insurance contract after the accident: compensation and payment.

Compensation corresponds to property insurance, which refers to the compensation made by the insurance company for the loss of the insured on the basis of the insured amount according to the damage of the insured property at the time of the accident. Insurance compensation is compensatory in nature, i.e. it compensates only for the part of the actual loss, at most equal to the value of the damaged property, and never more than its value.

MetLife is a formal insurance company approved by the China Banking and Insurance Regulatory Commission, so it is very reliable. In addition, MetLife's shareholders are very strong, and it is a joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment. Up to now, it has provided life, health, accident and annuity insurance products and other insurance services to consumers in nearly 30 cities across the country.

One article revealed! If we want to know whether MetLife is good or not, we can judge it from two aspects: solvency level and claims service. If you don't know how to judge whether an insurance company is good or not, you can read this article first: When we are looking at an insurance company, what do we want to see?

First of all, MetLife's quarterly solvency report for the fourth quarter of 2022 shows that its core solvency adequacy ratio in the fourth quarter of 2022 has reached the comprehensive solvency adequacy ratio, and the comprehensive risk rating in the third quarter of 2022 is AA. If you want to know where MetLife's solvency is among many insurance companies, you can take a look at this solvency ranking: the solvency ranking of the most complete insurance companies in 2022!

Secondly, in terms of claims service, the senior sister took a deep look at MetLife's 2022 annual report on individual insurance claims and found that its claim processing time and odds continued to improve. Among them, the average number of days of claim settlement time, the odds of obtaining have reached, and the electronic claim settlement rate is, and some claims do not require the original invoice. Overall, MetLife's claims service is quite good.

Metropolitan Insurance Company is a joint venture, and whether it is reliable or not mainly depends on the idea and plot of buying insurance on its own. Some people like to buy foreign capital, some people like to buy state-owned enterprises, and some people like to buy big brands. The most important thing is to look at the individual's psychological choice, whether the insurance company is reliable or not, and one of the official criteria for measuring it is solvency.

It's pretty reliable. It's been five years since I purchased Met's insurance and it's still reliable. At first, it was recommended by my friend.

At first, I was apprehensive about buying it, but after all these years, there is no problem anymore. Insurance is already the most needed, accident insurance, travel insurance, and children's insurance, all of which are better. The metropolis is strong in lifelong, lifelong and cyclical serious illnesses.

There are three types of lifetime exemptions (there are generally seven in China). Lifetime can be used as the maximum leverage, and there are also protection products based on household income.

MetLife Insurance is a regular life insurance company, and they are all compliant companies, but there are some salesmen who may mislead sales, resulting in the feeling that the insurance company is unreliable.

I haven't heard much of the life insurance you mentioned, I've only heard of Pacific or Ping An Insurance, which are all big brand insurance companies, and they are all relatively secure.

Is MetLife Insurance Reliable? In fact, insurance is still very reliable now.

Introduction: When people buy insurance in their daily lives, they pay great attention to the safety and reliability of the insurance company, so that they can get a certain amount of protection when they make claims in the event of an accident in the future. In the insurance companies that people generally buy, there are generally Chinese Life Insurance, Pacific Insurance, Ping An Insurance and other insurance companies are more famous and reliable insurance companies.

So what do you know about Met? What about this company? Let's take a look.

One: Metropolitan Insurance Company.

Metropolitan Insurance Company is oneSino-foreign co-organiserA company, and for a Sino-foreign joint venture, it has a lot of network resources, and the service is also relatively good. So far, it has been established for more than 10 years and is headquartered in ShanghaiHuangpu DistrictNow it has served a lot of consumers, and its insurance products are also very numerous. For those who are keen to buy insurance, they may still know something about this company.

Two:Metropolitan Insurance has its own unique advantages.

Because Metropolitan Insurance Company is a Sino-foreign joint venture insurance company, its human resources and service consumers are also more, and this company has a unique way of operation and advantages, because of the joint venture with foreign countries, in solving the problem of people's insurance and medical treatment can use foreign limited resources to better serve consumers, and this company, the service is also very thoughtful, but the company's customer service is not to solve the problem of product information, It's just that a higher authority will explain the product information. This insurance company does not have as many people as Chinese Life and Ping An Insurance, but the publicity and advantages of this company are also relatively obvious.

Three: MetLife Insurance Companydefects.

Every insurance company has advantages and disadvantages, so when buying insurance, it is also purchased according to its own needs, but the defect of MetLife Insurance Company is that its premium amount is relatively high, because it is a foreign joint venture insurance company, so his premium is also high There are certain reasons, and the company's publicity method is generally based on the distribution network to publicize. It is more difficult for some consumers who want to understand and need to buy to understand the specific content of the product, because the service ** will not introduce the relevant information of the product, and will only follow up slowly later.