Is it reliable to apply for life insurance online, and is it reliable for Chinese life insurance com

First of all, it is certain that it is often reliable to buy insurance through formal channels online, after all, it is now common to buy insurance through online channels such as WeChat and Alipay. Naturally, it is also reliable to apply for life insurance online through formal channels.

1. Is it reliable to apply for life insurance online?

First of all, we should be clear that when buying insurance online, we sign a contract directly with the insurance company, and the content of the insurance is subject to the terms and conditions, which is legally effective. Therefore, it is reliable to buy life insurance or other insurance online.

Moreover, if it is the same product with the same terms, it doesn't really make much difference where to buy it.

There is a bit of a difference between an online and offline policy. Offline insurance generally defaults to paper contracts, and online insurance companies will generally send electronic contracts to policyholders by default, if you need paper contracts, you need to call the insurance company** to apply for mailing paper policies.

But whether it is an electronic policy or a paper policy, both have the same legal effect, so you don't have to worry.

2. What should I pay attention to when buying insurance online?

Senior sister has always emphasized with everyone that whether you are applying for life insurance or other insurance online, you must pay attention to the formal insurance sales channels to insure. Generally, there are three main ways to buy insurance online:

3. Insurance brokers and other channels.

It is also relatively simple to inquire whether it is formal, the official website mainly looks at whether the domain name corresponds to the name of the insurance company, and the third-party platform mainly looks at whether it is filed with the Insurance Regulatory Commission.

Applying for life insurance online, as long as the channels are regular, then it is reliable. For example, applying for life insurance in an insurance brokerage company is one of the ways to apply for insurance online, as long as the insurance brokerage company has the qualification to sell insurance, then you can rest assured that you can buy life insurance on it.

Regarding buying insurance online, friends who have doubts can see here: Is it reliable to buy insurance online? What is the difference between online and offline insurance?

Hello! Life insurance is consumer-based,** and relatively cheap, and can cover death or disability due to accidents.

When purchasing critical illness insurance, you must tell your past medical history as clearly as possible, and don't take care of your illness with a fluke mentality. Because once a claim occurs, if the insurance company learns that the customer has a relevant medical history in the hospital, it may refuse to make a claim.

It is recommended that you choose the appropriate insurance channel when you apply for critical illness insurance or life insurance, taking online insurance as an example, the online sales platform has increased the transparency of insurance sales, consumers can shop around before applying for insurance, and they can also calculate the premium through the online platform.

If the policyholder is really not sure that he or she can choose critical illness insurance or life insurance online, it is recommended that you choose an insurance that can provide 24-hour **service** consultation, such as China Minsheng Insurance Network, which is a professional third-party insurance certified by the Insurance Regulatory Commission.

Summary. Hello, dear. Chinese Life Insurance Company is reliable to buy insurance.

Chinese Life Insurance Company is the first financial enterprise, belongs to the state-owned large financial and insurance enterprises, formerly known as Chinese People's Insurance Company, in 2003, after the consent and approval of the China Insurance Regulatory Commission, the original Chinese Life Insurance Company was re-reformed, and there is the current Chinese Life Insurance Company. In 2021, Chinese Life Insurance Company ranked 32nd in the Fortune Global 500.

Is it reliable for Chinese Life Insurance Company to buy insurance.

Hello, dear. Chinese Life Insurance Company is reliable to buy insurance. Chinese Life Insurance Company is the first financial enterprise, belongs to the state-owned large financial and insurance enterprises, formerly known as Chinese People's Insurance Company, in 2003, after the consent and approval of the China Insurance Regulatory Commission, the original Chinese Life Insurance Company was re-reformed, and there is the current Chinese Life Insurance Company.

In 2021, Chinese Life Insurance Company ranked 32nd in the Fortune Global 500.

1. From the overall point of view: whether it is premium income, the number of branches, or market share to distinguish whether it is reliable to buy Chinese life insurance now, Chinese Life is a well-deserved "handle", premium income and market share are the industry bosses, the number of branches and Taikang Life and Ping An Life are the same, there are more than 3,000 institutions across the country, whether it is a large city such as Beijing, Shanghai and Guangzhou, or a county town on the third and fourth lines, there is the shadow of China Life; 2. From the perspective of complaints and claims: in addition to insurance, Chinese Life's business also involves e-commerce, overseas, investment technology and other fields, a veritable financial giant; Of course, the specific is insurance, complaints and claims are the most critical, among the seven old life insurance companies, China Life ranks first with a good score of "only one complaint per 10,000 policies", which is more market differentiated than several other companies, so there is no need to question whether it is reliable to buy Chinese life insurance now.

It is reliable to buy insurance online. As long as the company has a brokerage license issued by the China Banking and Insurance Regulatory Commission, the products sold are strictly reviewed, and you can buy with confidence. In addition, online insurance will be faster and safer, because the information can be submitted online, and the third party will also have a special person to assist in the claim, objectively and neutrally safeguarding the rights and interests of customers.

If you understand that insurance is good to choose, it is reliable, and if you don't know how to trust others, it is unreliable.

Hello! Buying insurance online has now developed very maturely, and many insurance** are doing well.

In addition, there are many advantages to buying insurance online.

Compared with traditional channels, buying insurance online is more convenient and the application process is simpler. By buying insurance online, you can choose the insurance product that is most suitable for you according to your actual situation and specific protection needs.

Of course, one of the most critical issues to pay attention to when buying insurance online is to choose a professional and reliable online insurance purchase platform.

What should I pay attention to when buying insurance online?

1. The purchased online insurance needs to match your needs, and there are many types of online insurance, including short-term accident insurance, health insurance, travel insurance, life insurance, etc.;

2. In addition to looking at the basic protection when buying insurance online, if you have time, it is best to look at the terms of the product, there are some details, there is a big gap between different companies, and you need to carefully identify them.

Hope it helps!

The Internet is only a sales channel, but there are no middlemen, so it is cheaper to buy insurance online. Taking Ping An's children's accident insurance as an example, it costs more than 100 yuan to buy 100,000 yuan offline, and more than 60 yuan to buy 200,000 yuan online. They are all products of Ping Anjia, and the channels are different, so the gap is big.

Whether it can be compensated or not, the insurance terms have the final say, and it has nothing to do with the purchase channel.

Chinese Life is a large state-owned financial and insurance group, and its business scope covers life insurance, property insurance, enterprise and occupational annuity, banking, asset management, wealth management, industrial investment, overseas business, health and pension and other fields. Unified Customer Contact Center: 95519

In 2020, the Group's consolidated operating income was nearly 1 trillion yuan, the consolidated premium income exceeded 750 billion yuan, the consolidated total assets exceeded 5 trillion yuan, and the consolidated third-party assets under management exceeded one trillion yuan, which continued to maintain a historical high.

In 2020, Chinese Life Group ranked 127th in the "Top 500 World Brands" list of the World Brand Lab, with a brand value of up to 100 million yuan, continuing to lead China's financial and insurance enterprises. In 2021, Chinese Life Group ranked 32nd in the Fortune Global 500 [166] and 5th in the "China's 500 Most Valuable Brands" by the World Brand Lab.

Summary. Life insurance is safe and reliable for the following reasons. First, the Insurance Law clearly stipulates that even in the event of an extreme situation, the insurance company, due to poor management, will not directly go bankrupt, but will be taken over by the CBIRC or merged with other insurance companies to ensure the effective payment of each life insurance policy contract.

This is different from the bank's deposit insurance system, which is absolutely safe for the principal of up to 500,000 yuan of the same bank, while the life insurance policy is not limited by the amount, but is protected by its own policy contract, which is equivalent to no upper limit on funds. Second, the CBIRC will supervise insurance companies, and when an insurance company has abnormal operations, the CBIRC will take over or escrow, or even merge, to ensure that every policy contract of a life insurance company can implement the validity of the contract. Third, life insurance companies themselves are very large financial institutions, and they not only have requirements for the size of funds when they are registered, but also must be approved by the China Banking and Insurance Regulatory Commission before they can be established.

At least RMB 200 million of the margin will be deposited in the People's Bank of China, and at the same time, the annual scale premium will also be increased proportionally, and will continue to be deposited in the People's Bank of China. Therefore, objectively speaking, the safety of life insurance is second only to national bonds.

You rotten model hold well, dear, Chinese Life Insurance Company buy insurance reliable. Zhongma Air Life Insurance is a central hunger enterprise insurance company controlled by the Ministry of Finance and Social Security, backed by central enterprises, and its strength is absolutely reliable. On the other hand, the products purchased by Chinese Life Insurance Company have life insurance contracts protected by the Insurance Law and Contract Law, as well as the supervision of the China Banking and Insurance Regulatory Commission.

Life insurance is safe and reliable, and there are several reasons to know about it. First, the Insurance Law clearly stipulates that even in the event of an extreme situation, the insurance company, due to poor management, will not directly go bankrupt, but will be taken over by the CBIRC or merged with other insurance companies to ensure that each life insurance policy contract is effectively redeemed and paid. This is different from the bank's deposit insurance system, which is absolutely safe for the principal of the same bank up to 500,000 yuan, while the life insurance policy is not limited by the amount, but is protected by its own policy contract.

Second, the CBIRC will supervise insurance companies, and when an insurance company has abnormal operations, the CBIRC will take over or escrow, or even merge, to ensure that every policy contract of a life insurance company can implement the validity of the contract. Third, life insurance companies themselves are very large financial institutions, and they not only have requirements for the size of funds when they are registered, but also must be approved by the China Banking and Insurance Regulatory Commission before they can be established. At least RMB 200 million of the margin will be deposited in the People's Bank of China, and at the same time, the annual scale premium will also be increased proportionally, and will continue to be deposited in the People's Bank of China.

Therefore, objectively speaking, the safety of life insurance is second only to national bonds.

Life insurance is reliable, as long as it is a life insurance produced by a regular insurance company, it is safe and reliable, and it needs to be reviewed and approved by the China Banking and Insurance Regulatory Commission before it can be put on sale. However, whether an individual is suitable to buy, and which one to buy, still depends on the customer's own protection needs.

Common life insurance includes life insurance, annuity insurance and both insurance, etc., next, the senior sister will introduce these types of insurance to you, not much to say, directly on the dry goods!

1. Life insurance. The protection liability of life insurance is relatively simple, if the insured dies and becomes totally disabled during the protection period and meets the claim standard, then the insurance company will also pay the corresponding death insurance benefit.

Once the economic pillar of the family suffers misfortune, the insurance money paid by life insurance will not collapse the family's economic situation or even fall into difficulties, and also avoid making family members bear the pain of losing their loved ones at the same time, they also need to bear many responsibilities and debts.

2. Comprehensive insurance.

The coverage of both insurance generally includes death benefit and maturity survival benefit. When the insured passes away during the insurance period, the insurance company will pay the death benefit to the beneficiary. If the insured person is still alive at the end of the insurance period, he or she will receive the maturity survival benefit.

If you want to know more about the small partners of both insurance, you may wish to take a look at the following article:About both insurance, the salesman will definitely not tell you!

3. Annuity insurance.

Annuity insurance means that the policyholder or the insured pays the insurance premium at one time or on time, and the insurance file is based on the survival of the insured, and pays the insurance money on an annual, semi-annual, quarterly or monthly basis until the death of the insured or the expiration of the insurance contract. Annuity insurance often appears in the form of "education fund" and "pension" to ensure a stable cash flow in the future, which can be used to improve the quality of future pension or meet the needs of children's future education expenses.

Hope.