Buying insurance is better to choose a large company or a small company

Whether it is a large insurance company or a small insurance company, as long as it is approved by the Insurance Regulatory Commission, it is safe, and the most important thing to buy insurance is to compare the cost performance of the product, rather than blindly pursuing the size of the company.

Should I choose a large company or a small company to buy insurance? Let's listen to what Rainbow Huibao Teacher Liu has to say

Recently, the senior sister's private mailbox is full of inquiries about various insurance issues. Many of them are inquiries about whether it is better to choose a large company or a small company when buying insurance. In this regard, the senior sister suggests that when you buy insurance, you don't have to care too much about the size of the company behind the product, mainly from the product itself, and the product that meets your own protection needs is worth buying.

Next, the senior sister will talk to you about this problem in detail. Before starting, the senior sister will give you a pre-insurance strategy: before buying insurance, you must first figure out these key knowledge points!

First of all, what the insurance covers and how much it will pay is clearly stipulated in the clause. Insurance companies also settle claims according to the terms. Therefore, the terms and conditions of the insurance do not change depending on the size of the insurance company.

Secondly, every insurance company needs to go through a strict review by the China Banking and Insurance Regulatory Commission before it can open. In addition, insurance companies and their insurance products will also be subject to the supervision of the China Banking and Insurance Regulatory Commission. Therefore, as long as everyone buys products from regular insurance companies, no matter how big or small, they are often reliable.

Among them, there will inevitably be people who prefer to buy insurance products in large companies. So, what kind of products need to be bought in large companies first, let's see what experts say: which type of products to buy insurance need to give priority to large companies.

Also, if the insurance company really doesn't do well and goes out of business. The regulator will also have corresponding fallback measures, and the legal effect of everyone's insurance policy still exists.

Therefore, when you buy insurance, it is more important to see whether the insurance product meets the protection needs of the insured. After all, a product that meets the insured's protection needs is a good product. As for whether to make a purchase in a large or small insurance company, there is no need to be overly concerned.

Friends who still have questions about whether it is better to buy insurance in a large company or a small company can add a look at this article: Is it better to buy insurance from a large company or a small company?

Buy car insurance.

Of course, it is better to choose a large company.

First of all, large insurance companies, due to the large number of customers, in the purchase of insurance, the discount will be greater, secondly, the relevant supporting facilities are more perfect, such as the layout of service outlets, the number of cooperative repair shops, and the allocation of relevant personnel are relatively perfect, so that even if there is an accident, it can be properly dealt with in the first time.

The general process after the accident is: 1. Report to the insurance company; 2. The insurance company determines whether to conduct an on-site investigation according to the insurance situation; 3. Loss verification; 4. Claims; 5. Close the case. It can be seen that the participation of insurance company personnel is indispensable in each process, and on the other hand, the relevant layout and equipment of small insurance companies may not be so perfect.

For example, buy car insurance from a small insurance company and travel by car.

I went to a remote place, I was out of danger, and I reported the case successfully according to the process, but due to the remoteness of the place and no service outlets nearby, the people of the insurance company had to go to the scene to investigate for several hours, and then I had to wait for the insurance company personnel to arrive at the scene.

During this period, due to the insufficient layout of service outlets, insufficient staffing, and the lack of cooperative repair shops, the settlement speed of cases was much slower. And if you change to a large company, the speed of claim settlement will be much faster! Because even if their people are not at the scene, they can entrust the people of the cooperative repair shop to inspect the site on their behalf and make a preliminary damage verification in real time.

It can be seen that it is better to buy car insurance and choose a large company, because this will greatly reduce the speed of claims after insurance. Moreover, due to the fierce competition, large insurance companies will give a larger discount when buying car insurance.

The discount is big when buying, the processing speed is fast when the insurance is issued, saving money and time, if it were you, how would you choose? The answer is yes, definitely choose a big insurance company.

If you want to buy car insurance, I think you should choose a large company, because a large company is more secure.

Large companies, because they are guaranteed, will not go bankrupt in the short term and leave you without anyone to settle the claim.

If you buy insurance, it will be better to choose a large company, because a large company also enjoys a certain brand strength, and a large company will not be easily affected by various economic crises or a restless market and go bankrupt, but a small company may go bankrupt due to economic pressure.

Buying insurance is actually to protect their own life and property, and with the continuous development of social living conditions in a better direction, everyone is more attentive to buying insurance, and also hopes to make themselves feel at ease by buying insurance, although buying insurance does not mean that there will be no problems, but at least in the case of their own economic conditions are not very good, they can be alleviated by insurance compensation in terms of funds. This is why people choose to buy insurance when they have enough money. And everyone will also be troubled by the purchase of insurance, whether it is better to choose a large company or a small company, but in fact, both large companies and small companies have good and bad aspects, but on the whole, it will be better to choose a large company. The analysis is mainly from the following points.

The brand strength of the first largest company is better than that of small companies, because large companies can have the current scale of enterprises, and the business model and business philosophy suitable for it are inseparable, and a company can be so big, there must be enough funds to operate, so when encountering an economic crisis, he can also survive, and at this point small companies can not be compared, and small companies are often not large in scale of development, and the operation of funds is relatively small, if there are really economic difficulties, I guess it's hard to get around so quickly. The second point is that large companies are more trustworthy, because large companies are more concerned about people's livelihood and all aspects, so there will basically be no concealment or fraud in terms of agreements in the case of large companies, but not necessarily in small companies.

When shopping in daily life, many friends tend to buy "big brand" products, thinking that well-known products are trustworthy. When many partners configure insurance, they will also buy insurance according to the idea of choosing a "big brand". In fact, we can choose a large company or a small company to buy insurance, and the most important thing is to choose the right product for ourselves!

For those who don't have time to read the following explanation, you can collect this article first: Is it better to buy insurance for a large company or a small company?

First of all, we must know that the strength of insurance companies that can be established is very strong. First, to have money, the registered capital must be more than 200 million yuan paid-in capital. Second, there must be talent, shareholders must have strength, and managers must know how to operate.

Speaking of which, some friends will surely ask, is it very easy for small insurance companies to go bankrupt, so that our policy will become invalid. In fact, not to mention that the probability of bankruptcy of an insurance company is extremely low, even if it goes bankrupt, our policy will be transferred to other insurance companies with the help of the CBIRC, and the protection is still effective. Therefore, when buying insurance, you don't need to worry too much about the size of the insurance company, but also need to focus on choosing the right product.

So how exactly do we choose products? First of all, we must choose the right type of insurance, and it is best for ordinary people to follow the principle of protection first and then financial management when buying insurance, and match the protection insurance to give us sufficient personal protection. Secondly, we must pay attention to the screening of some insurance pitfalls, for example, some insurance products on the market claim to be "one policy to get everything", which seems to be very comprehensive.

In fact, these insurance products** are not only expensive, but also not sufficiently protected. Because of the space, the senior sister will not continue to introduce it. This super practical guide to choosing insurance, you must not miss it:

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

You should choose a large company, because there are relatively many insurance items in large companies, and then the insurance service attitude is also relatively good, and after the accident really happens, the scope of insurance protection is also relatively wide, the insurance rate is relatively high, you can choose sunshine insurance, you can choose life insurance.

It is better to choose an insurance company for a large insurance company, because a large insurance company will have control on the first, the after-sales service will be more perfect, and the time to sell the treasure is relatively fast, and the communication with customers is more satisfactory.

I think the big companies are better, the big companies are more secure, they can reduce the risk, and once the insurance company goes bankrupt, it will cause some problems for itself.

If the product meets the demand, both large and small companies are good.

Because no matter how famous an insurance company is, its products must be approved by the China Banking and Insurance Regulatory Commission before they can be sold, which is reliable.

Moreover, the content of the insurance and the conditions of the claim are stipulated in the contract, which is legally effective, so you can rest assured.

If you still have doubts about choosing an insurance company, you can take a look at what experts say: is it better to buy insurance for a large company or a small company?

With the vigorous development of China's insurance industry, there are a lot of insurance companies, for some of the early establishment, and the brand is relatively loud, the comprehensive strength is relatively strong, we are generally called large companies, and those established relatively late, the comprehensive strength is relatively weak is a small company. When buying insurance, many people don't know whether it is better to buy a large company or a small company, how to choose?

Whether the funds can be claimed

We choose to buy insurance, is to avoid risks, the risk to the insurance company to bear, small companies are not large, the comprehensive strength is much worse than large companies, so when customers have accidents, need to pay a huge amount of compensation, small companies can not guarantee that there is enough money to pay, this is what many consumers are worried about. If you can't afford to pay, then it's pointless to buy this insurance, and even pay for nothing. Of course, if it is a large company, there is naturally no need to worry about this aspect, after all, their strength is here, and the annual performance growth is also very good.

Follow-up claims service

Small companies do not have so many cumbersome processes for follow-up claims, and they do not need to provide a lot of information, and the claim time is shorter and faster, but small companies do not have so many claim points, so this will also lead to small companies not having as convenient services as large companies, and dealing with problems is not as perfect and skilled as large companies. Large companies have outlets almost all over the country, and many places can be covered, and the service will be much better.

Product**

Because small companies want to seize the market, they will put effort into products, and the products of small companies are closer to the needs of consumers, and they are cheaper. Large companies, whether it is employees or product promotion, need to spend a lot of money, and these costs will eventually be passed on to consumers, so the product premiums of large companies will be more expensive, which is also a large expense for ordinary working-class consumers, so for some people, they will consider choosing cheaper small companies.

Whether it is a small company or a large company, it has its own advantages and disadvantages, and you can choose the right insurance company according to your needs.

It is definitely better to buy a large company, because there are some small companies now, and it is very likely that they will go bankrupt directly because of some things, so we have no way to get back our previous insurance.

It is good to buy a large company, because the credibility of a large company is very high, and the products are **, so you must buy a large company.

Many people have a strong brand awareness, and when buying insurance, they think that the insurance of large companies must be better than that of small companies, but in fact, insurance is not better than other commodities, and it is not that the insurance products of large companies are necessarily good, and small companies must be unreliable.

In fact, small companies can also provide protection, thanks to the state's supervision and regulations for the insurance industry. In China, it is very difficult to get a license, especially a life insurance license, so insurance companies that are qualified to sell insurance, even small companies, must have a certain economic strength.

In addition, regulatory requirements require that every time an insurance company sells a life insurance or property insurance, it must take a small part of the premium and pay it to the insurance protection**. If the insurance company does not operate well, the insurance protection** will play its role, and the insurance regulatory commission will definitely be responsible for the end.

If a life insurance company is revoked or bankrupt, there will be other life insurance companies to take over, and if no company is willing to accept it, the CIRC will forcibly appoint a company to take over. So it's safe for big companies and small companies.

When buying a product, instead of comparing the size of the insurance company, it is better to compare the cost performance of several products, compare whether the product can provide you with sufficient protection, and choose the insurance that suits you.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"