Is it reliable to buy livelihood insurance? Is livelihood insurance reliable?

People's livelihood is also formal insurance, as long as it is regular, it is reliable!

1. Analysis of the strength of Minsheng Insurance.

Minsheng Insurance was established in 2003 and is headquartered in Beijing with a registered capital of 6 billion yuan. As early as 2014, the total assets of the insurance company exceeded 50 billion yuan, and the insurance products were in full bloom and developing rapidly. It is reported that at present, Minsheng Insurance has opened 25 branches.

From the perspective of Minsheng Insurance's own strength, this insurance company has developed rapidly and is still good.

2. Analysis of livelihood insurance products.

Minsheng insurance is mainly based on life insurance products, covering health insurance, accident insurance, annuity insurance and other types of insurance, and has developed into a set of increasingly perfect product system, and in order to provide users with a wealth of insurance products, Minsheng Insurance has also opened up a variety of product sales channels, the more common sales channels are personal channels, silver and mail channels and online sales channels.

From the perspective of Minsheng Insurance's insurance products, the insurance company has a wealth of insurance products, and can continuously launch new insurance products according to the needs of users, and the reputation and sales of the products are good, which can stand the test of the market and users.

3. Analysis of the solvency of people's livelihood insurance.

To determine whether an insurance company is reliable, it is also necessary to pay attention to the solvency of the insurance company. According to the official solvency report of Minsheng Insurance in the first quarter of 2020, as of March 31, 2020, the comprehensive solvency adequacy ratio of Minsheng Insurance was 268%, and the core solvency adequacy ratio was 268%, and the solvency adequacy ratio has met the regulatory requirements, and the comprehensive risk rating result in the fourth quarter of 2019 was Class A.

People's livelihood insurance is okay. When a major disaster occurred in the country, the company worked with the people in the disaster area to tide over the difficulties, and donated more than 10 million yuan in donations and materials, which fully demonstrated the sincerity of a life insurance company to repay the society. Minsheng Life Insurance Co., Ltd. (hereinafter referred to as "Minsheng Insurance") was officially opened in 2003 with a registered capital of 6 billion yuan.

The company's business scope includes life insurance, health insurance, accident insurance, reinsurance business and capital utilization business of the above insurance business.

The details are as follows: 1. Introduction.

Insurance (or abbreviated as insur), which is meant to be safe and reliable; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

2. Insurance benefits.

Insurance interest refers to the legally recognized interest of the policyholder in the subject matter of insurance. Usually, the policyholder will suffer economic losses due to the damage or loss of the subject matter of insurance, and obtain income because of the preservation of the subject matter of insurance. An insurance interest can only be established if it is legally recognized, economic, definite and not expected.

Generally speaking, the insurable interest of property insurance exists at the time of the insured event, at which point the loss can be compensated; The insurable interest of life insurance must exist at the time of conclusion of the insurance contract to prevent moral hazard.

3. Function. There must be a risk in the insurance. The purpose of establishing an insurance system is to deal with the occurrence of specific dangerous accidents, and there is no insurance if there is no risk. In order to apply the principle of large numbers, the risks that may benefit are not insurable, so commercial insurance institutions generally do not cover such risks.

How about Minsheng Life Insurance Company, is it credible, click here to learn about the "insider" of Minsheng Life:"What are the routines of Minsheng Life Insurance, I was stunned after reading it".

Minsheng Insurance, the full name of Minsheng Life Insurance Co., Ltd., was established in June 2003, the company is currently in Beijing, Shanghai set up dual headquarters, with Minsheng Tonghui Asset Management, Tonghui Kangyang Tourism Co., Ltd. and other subsidiaries, Minsheng Insurance is more comprehensive, including critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, etc.

1. What is the strength of Minsheng Life

As of the end of December 2018, Minsheng Insurance Company had 25 branches and nearly 800 service outlets across the country. In the first half of 2019, Minsheng Life's premium income reached 100 million yuan, ranking 36th.

Although there is a big gap between these data and the first-tier insurance companies of China Life, Ping An and Pacific, the development of people's livelihood insurance in recent years has been very stable and reliable.

2. Solvency of people's livelihood insurance

Solvency represents the insurance company's ability to settle claims, is a basic indicator to measure the financial status of the insurance company, the higher the solvency means that the insurance company's financial situation is more stable, and the less likely the insurance company will fail.

It can be seen that the comprehensive solvency of Minsheng Insurance is 268%, and the comprehensive risk rating is A, far exceeding the passing line set by the China Banking and Insurance Regulatory Commission, and the performance is excellent. So what are the insurance companies with high solvency? You can read more hereWhich of the top 10 insurers in solvency in 2020 is better?

3. What kind of insurance does Minsheng Life have?

Minsheng Insurance is mainly engaged in life insurance, critical illness insurance, medical insurance, accident insurance and other types of life insurance. Several products currently on sale can be seen in the table below:

So what about its products, and is it worth buying?

Let's take a look at the two critical illness insurances it mainly promotes, and first look at the essence picture:

Ruyi XinkangMinor and critical illnesses can be paid multiple times, but major illnesses and minor illnesses are divided into 3 groups, which reduces the probability of claims, and lacks some high-incidence mild diseases, which is not comprehensive and cost-effective.

Ruyi Junkang: This is a critical illness insurance with a single claim, and an additional 20% of the basic sum insured can be paid for specific diseases for children, but the disadvantage is that the protection for mild illness is not perfect, and there is no protection for moderate illness, which is expensive.

These two main critical illness insurance are not very good, and there are other products on the market that are more cost-effective and more comprehensive, you can take a look at what I have sorted out"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

To be clear, people's livelihood insurance is reliable, but dividends are uncertain!

Raising education expenses for children in the form of insurance and paying on time every month can achieve the purpose of compulsory savings. Once the parents have an accident, if they purchase the "premium waiver" insurance product, the child will not only be exempted from paying the premium, but the insurance contract will continue to be valid, so that the parents' love for the child can continue and protect the child's growth.

It is advisable to choose the right education grant:

1) When purchasing, you can make an appropriate combination, and it is best to buy all the protection such as accident insurance, health insurance, education insurance, etc.

2) At the same time as the main insurance, it is better to purchase the premium waiver rider.

3) When choosing children's insurance, you can't ignore the protection of your parents, and if you can't take care of it, you should focus on adults.

1. Introduction to People's Livelihood Insurance.

Minsheng Insurance, whose full name is Minsheng Life Insurance Co., Ltd., was established in June 2003 and is headquartered in Shanghai, with a registered capital of 6 billion yuan. The institutional service network has now covered key provinces and cities across the country, with 26 branches.

2. How about people's livelihood insurance?

By the end of 2020, the comprehensive strength of Minsheng Insurance had steadily improved, achieving original insurance premium income of 12.5 billion yuan and total assets of 115.3 billion yuan, making profits for 11 consecutive years. Solvency was sufficient and stable, with a comprehensive solvency adequacy ratio of 309% and a core solvency adequacy ratio of 292%; The evaluation results of the regulatory system have been steadily improved, and the company's business evaluation has been rated A again, and the comprehensive risk rating has been rated A for nine consecutive quarters.

Minsheng Insurance Company's evaluation focus.

First, the background of Minsheng Insurance Company is a big doxxing!

2. Is Minsheng Insurance Company reliable?

First, the background of Minsheng Insurance Company is a big doxxing!

Minsheng Life Insurance Co., Ltd. was established on June 18, 2003 with a registered capital of 6 billion yuan, and currently has dual headquarters in Beijing and Shanghai.

By the end of 2019, Minsheng Insurance Company had achieved a premium income of 12.3 billion yuan from the original insurance, with total assets exceeding 110 billion yuan, making a profit for 10 consecutive years.

Minsheng Insurance Company has also won the honor of "China's Top 10 Life Insurance Companies with Value Growth" several times, was selected into the list of "Top 100 Private Enterprises in Beijing in 2019", and successively won many honors such as "Best Chinese Life Insurance Company of the Year" and "Top 10 Life Insurance Companies with Market Competitiveness in China".

At the same time, Minsheng Insurance Company has established a complete product system, covering life insurance, annuity insurance, health insurance, accident insurance and other types to meet the needs of users for all-round and life-cycle insurance protection.

According to the latest data, Minsheng Insurance Company's core solvency adequacy ratio in the third quarter of 2020 was 273%, and the comprehensive solvency adequacy ratio was 307%, and the latest two risk ratings were A. It far exceeds the core solvency adequacy ratio of more than 50% and the comprehensive solvency adequacy ratio of more than 100%, and the risk rating is not lower than B. The operation is very stable, and there are sufficient funds to settle claims.

Founded in 2002, Minsheng Life Insurance Co., Ltd. is the first national professional life insurance company in China with private capital as the main investment body approved by the China Insurance Regulatory Commission and registered with the State Administration for Industry and Commerce, and is one of the seven national insurance companies directly managed by the China Insurance Regulatory Commission.

The threshold for the establishment of the insurance company itself is very high, and the insurance company itself is also reliable. This is when everyone is faced with many insurance companies, and they don't know how to choose. How to choose an insurance company?

After reading this article, you will understand! China Insurance Company Rankings! Which company should I choose to buy insurance?

Minsheng insurance and other insurance companies' insurance is basically the same reliable, as long as the liability listed in the insurance contract is ***, reliable, but what the insurance marketer verbally promises is not protected by law and unreliable.

Insurance companies are reliable, any product release needs to be approved by the Insurance Regulatory Commission, and the law also clearly stipulates that life insurance companies are not allowed to go bankrupt, and if they do not operate well, they will be merged by other insurance companies, and the previous policy is still valid.

The most important thing is whether the product is suitable for you, which you need to understand.

Minsheng Life Insurance Company is reliable, Minsheng Life Insurance Co., Ltd. is led by the All-China Federation of Industry and Commerce, initiated by 21 enterprises, with a registered capital of 100 million yuan. Later, with the approval of the China Insurance Regulatory Commission, it absorbed the participation of Singapore Asia United Holdings, with 22 existing shareholders and a paid-in capital of 100 million yuan.

In 2006, Minsheng Life Insurance was rated as one of the "Top 10 Insurance Brands in China" by the Global Chinese Famous Brand Network and other institutions. In January 2007, it was rated as "the most promising insurance company" by the world's most influential Chinese** - Sina.com, one of the five "most trusted life insurance companies by netizens", and was also awarded the "Urban Life Contribution Award" for caring for people's livelihood and enthusiasm for social welfare undertakings. In October 2007, it was rated as "Consumer Satisfaction Brand of Service Quality in the National Insurance Market" by the Market Research Center of China Quality Miles Magazine.

Minsheng Insurance was established in 2003, and after years of development, the insurance company has won many honorary medals in the industry, and it is still relatively reliable.

Minsheng Insurance was officially opened on June 18, 2003 with a registered capital of 6 billion yuan, and has established dual headquarters in Beijing and Shanghai. By the end of 2019, the company's comprehensive strength had steadily improved, achieving original insurance premium income of 12.3 billion yuan and total assets exceeding 110 billion yuan, making profits for 10 consecutive years.

The solvency of Minsheng Insurance is sufficient and stable, with the comprehensive solvency adequacy ratio remaining above 295% and the core solvency adequacy ratio remaining above 275% for many consecutive years. It has established an institutional service network covering key provinces, cities and regions across the country, with 25 branches, nearly 700 service outlets, nearly 40,000 high-quality professionals, and a total of more than 8 million service users; It has obtained good evaluation results of the "trinity" supervision system, and the company's business evaluation, comprehensive risk rating and service evaluation are in the forefront of the industry.

Since its establishment, Minsheng Insurance has won praise from all walks of life with its stable market performance, sincere customer service and enthusiastic social contribution, and continues to write a new chapter of honor. The company has won the honor of "China's Top 10 Life Insurance Companies with Value Growth" several times, was selected into the list of "Top 100 Private Enterprises in Beijing in 2019", and has successively won many honors such as "Outstanding Project Award for Informatization in China's Insurance Industry", "Best Chinese Life Insurance Company of the Year", "Top 10 Life Insurance Companies in China's Market Competitiveness" and so on.

It is recommended to consult Mint Insurance for the purchase of insurance, which is a technology-driven third-party insurance service platform, which can be selected online or in person for consultation, and can be sold online or offline with any products, which is not restricted and more neutral.

People's livelihood is as good as it is, and Jiu enjoys nine guarantees to build a solid "firewall" of health risks

Minsheng Ruyi Jiuxiang Lifetime Critical Illness Insurance not only provides users with wide coverage, multi-level and personalized health protection, but also is based on ensuring the balance between actual medical expenditure and the user's own income and expenditure, and its 9-year, 19-year and 29-year special payment period is equivalent to completing the payment of premiums more efficiently, paying one step faster, and ensuring that it lasts for life.

The product has nine layers of protection escort, segmented progressive compensation, and obvious advantages in disease upgrades. The scope of diseases has been expanded to 180, including 50 mild diseases, 20 moderate diseases and 110 severe diseases, further improving the comprehensiveness of disease protection, covering high-incidence critical illnesses at all stages of life, and more comprehensively meeting the protection needs of users. The two additional payment obligations are to strengthen the user's illness protection.

It is tantamount to sending charcoal in the snow, and using scientific payment standards to give users layers of health protection and care.