I don t know who knows what the proud life of United Life is like? 20

There is no best insurance thing, only the most suitable one, and you can buy what you need. There are returns and dividends in a proud life, and with an early payment for a major illness, there will be disease protection again, which is still good.

United Life is a legally registered insurance company, all of which are regulated by the Insurance Regulatory Commission, so you can choose with confidence.

As of September 1, 2019, the list of the top 500 Chinese service enterprises in 2019 was released in Jinan, and Hezhong Life Insurance ranked 264th.

According to the original premium income of life insurance companies released by the China Insurance Regulatory Commission, the total revenue of United Life Insurance in 2018 was 100 million yuan, accounting for the total market share, and the scale premium was 100 million yuan, ranking 25th. In January 2019, United Life's original premium income was 100 million yuan, accounting for 4% of the market share, ranking 28th.

I believe that many people are puzzled about the reliability of United Life, so I will first give you an introduction to United Life, you can take a look:Is United Life Reliable? Is it a lie? 》

So I will analyze the specific situation of United Life:

One. Comprehensive

Founded in 2005, United Life Insurance is a national, joint-stock life insurance company. The registered capital is 100 million yuan; Provide customers with comprehensive services such as insurance, asset management and pension.

Two. Solvency

Solvency refers to the ability of the insurance company to fulfill the liability of compensation or payment, and only sufficient solvency can ensure that there is sufficient money to pay insurance money to the customer in the event of an insured event, so as to protect the interests of the customer. Overall, solvency is one of the metrics you want to consider when considering how your company is.

The China Banking and Insurance Regulatory Commission (CBIRC) has set two indicators to measure solvency: the core solvency adequacy ratio (not less than 50%) and the comprehensive solvency adequacy ratio (not less than 100%). The following is the annual solvency situation of United Life in 2019:

From the chart, we can know that the core solvency adequacy ratio and comprehensive solvency adequacy ratio of United Life are far above the average, and the comprehensive risk rating of United Life is B. If you still want to know how United Life's insurance solvency ranking is, you can take a look at this article on the solvency ranking of domestic insurance companies:"Solvency Ranking List of the Most Complete Insurance Companies".

Three. Ability to settle claims

In the insurance business, claims settlement is an important link, and the direct embodiment of service is related to the direct interests of each customer. Even if the product is very good, if there is no good after-sales service, I still hope that you will buy carefully; In 2019, in terms of the processing speed of small claims cases, the average claim payment period was days, and the odds for small claims cases were; To sum up, you can rest assured that United Life's ability to settle claims is reassuring.

Four. Insurance Product Introduction

However, it is not popular to buy, about the product analysis of United Life, I have written a good article, you can see how the product can be decided:"In-depth Analysis - How about United Life's best-selling products? Is it worth buying?

What Life is a life insurance company approved by the China Insurance Regulatory Commission, which has won many praises and honorary medals since its establishment in 2005, so it has a good reputation among users;

Secondly, insurance companies have a variety of products and conspicuous highlights, which have obvious competitive advantages compared with similar products on the market; Finally, the company's service concept is deeply rooted in the hearts of the people and protects the interests of users from being harmed; And the insurance company's first-class products have a complete system, so they have risen rapidly in the insurance market and become a new benchmark, which is very professional and reliable.

United Love Travel Insurance (2018).

Issue age: 18-60 years old.

Coverage period: 20 years, 30 years.

Payment method: single payment, 10 years.

Features: **Low: The product is cheap, more than 3 yuan per year can get a million worth of escort, which will not be a financial burden for most families, so customers with accident protection needs can buy.

Long time: The product warranty period is flexible and optional, with a maximum of 30 years, that is, one guarantee can get 30 years of uninterrupted accident protection, so the product is cost-effective.

Full protection: The product is fully covered, including private cars, planes, trains and ships, and other public transportation, which can meet the accident protection needs of different groups of people.

High Sum Insured: The insured will pay up to one million in accidents, and the holiday public transport accident coverage will be doubled, and the high amount of compensation can reduce the financial burden and help you tide over the difficulties.

Premium refund: If the insured does not have an accident during the insurance period and survives safely until the end of the insurance period, the premium will be refunded in full.

It should be possible, but it has not been established for a long time, and the shareholders of United Life are composed of well-known enterprises at home and abroad, such as Zhongfa Industrial Group and Japan Sun Life Insurance Co., Ltd.

Founded in 1993, Zhongfa Industrial Group is a large-scale joint-stock private enterprise integrating real estate, finance, medicine and property management. The group has 13 member companies, including 5 holding companies and 8 shareholding companies, with total assets of nearly 10 billion yuan.

Founded in 1893, Japan Sun Life Insurance Co., Ltd. is the fourth life insurance company in Japan and is part of the T&D Insurance Group. As of the end of March 2007, the Group's total assets ranked fifth in the domestic life insurance industry.

1. Strict conditions for the establishment of insurance companies: insurance companies do not want to open them, they need to have strong financial strength and be approved by the insurance regulatory authority. This is different from high-risk financial management such as P2P, the biggest problem of P2P is who will supervise it?

How is it regulated? How to ensure the interests of customers in case of running away? The establishment of insurance companies has strict conditions and thresholds, and there are clear regulatory agencies and regulatory methods.

2. The registered capital of the insurance company is abundant: taking the top ten life insurance companies ranked by the total premium in 2015 as an example, the lowest registered capital is 2.7 billion, the highest is 33.8 billion, the lowest total assets are 330.1 billion, and the highest is 2,448.3 billion! Therefore, the registered capital and total assets of the insurance company are very strong.

3. Strict supervision of the operation of insurance companies: According to the provisions of the Insurance Law, if an insurance company is revoked or declared bankrupt in accordance with the law, the life insurance contract and liability reserve held by it must be transferred to other insurance companies that operate life insurance business. If the transfer agreement cannot be reached, the insurance regulatory authority shall designate to accept the transfer.

4. Margin system: insurance companies need to withdraw margin, you can check the annual report of listed companies or the annual information disclosure report of non-listed companies, and find the funds deposited in designated banks under the account of "deposit capital margin". It may not be used except to settle debts.

The amount of funds is 20% of the total registered capital.

5. Liability reserve system: Liability reserve is the preparation and provision for the insurance company to fulfill its insurance liability.

United Life Insurance was established in 05 and is not well-known among domestic insurance companies, but its overall strength is good. Many people are worried that United Life will be unreliable, just worried about whether the company will go bankrupt, whether the claim will be ripped off after buying other people's insurance, and so on.

Today, I'm going to tell you very seriously: no!

The reason starts with the boss of the insurance industry, the China Banking and Insurance Regulatory Commission.

Have you ever heard of it? The Central Bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the Insurance Regulatory Commission. That's right, the CIRC is the *** shrouded person!

At the beginning of this year, the China Banking Regulatory Commission and the China Insurance Regulatory Commission merged and became the China Banking and Insurance Regulatory Commission. What is the CBIRC's attitude towards insurance companies? me!

Quarterly, semi-annual and annual reviews, in short, it is to stare at it every day, and review it every day. In addition, we will publish the complaints of each insurance company from time to time. With such a strict stance, it is difficult for insurance companies to have an accident.

It's okay, I have a friend who has made a claim in the first half of the year, the claim is very fast, the service is good, she bought the insurance in Sichuan, and she worked in Guangdong to settle the claim, not troublesome at all.

United Life is a small company with a deep routine, and there will be many reasons to refuse compensation, and it cannot be trusted.

I haven't heard much of it, but if you want to buy life insurance, it is recommended to consider more famous companies such as Life Insurance, Ping An, and Taiping.

United Life Insurance is very good, the insurance is reasonable, the payout effect is fast, and it is also a good insurance to have.

United Life is still very good, very pay attention to the efficiency of claims, and flash claim function, basically within a few thousand yuan can be done on the same day, and his claims staff is very professional, the service is also in place, and will help collect claims information or something, I am personally quite satisfied with United Life.

You alright. In fact, all insurance companies are similar. United Life Insurance is mainly engaged in life insurance, critical illness insurance, medical insurance, accident insurance and other types of life insurance business.

It has been established for a long time, and there are many corresponding products. The China Banking and Insurance Regulatory Commission (CBIRC) is very strict in supervising insurance companies, and it is not a problem to settle claims or anything.

Ping An didn't know about the insurance company you were talking about.

It should not be bad. A friend has bought her insurance, and the response is not bad.

Have you ever heard of it? The Central Bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the Insurance Regulatory Commission. That's right, the CIRC is the *** shrouded person!

At the beginning of this year, the China Banking Regulatory Commission and the China Insurance Regulatory Commission merged and became the China Banking and Insurance Regulatory Commission. What is the CBIRC's attitude towards insurance companies? me!

Quarterly, semi-annual and annual reviews, in short, it is to stare at it every day, and review it every day. In addition, we will publish the complaints of each insurance company from time to time. With such a strict stance, it is difficult for insurance companies to have an accident.

To buy insurance, Ping An of China is more reliable, followed by Chinese Life, Pacific Ocean, etc.

United Life was the first company in the insurance industry to build a retirement community. His retirement community is also the largest.

Moreover, United Life comes from love and passes on love. It is not difficult to settle a claim with United Insurance. Not only is the slogan loud, but the claim settlement is very fast.

The speed at which we settle claims is something I've experienced firsthand.

Last year, the China Insurance Regulatory Commission (CIRC) notified four typical cases of insurance operators infringing on the legitimate rights and interests of consumers in 2015, one of which was the use of product briefings to falsely advertise and involve United Life. The details are as follows:

In June 2015, the Xinjiang Insurance Regulatory Bureau received complaints from insurance consumers, reflecting that in 2011 and 2014, when participating in the product briefing held by the Hami Central Branch of United Life Insurance Co., Ltd. (hereinafter referred to as United Life), the insurance company and the insurer ** introduced the purchase of "Hezhong Jufu Fixed Investment Insurance (Dividend-paying)", and found that the actual income did not match the commitment at that time. The investigation found that in the process of promoting and explaining the "Hezhong Jufu Regular Investment Insurance (Dividend-paying)", the insurance ** used the promotional language of "5-year annualized rate of return of 24% and 10-year annualized rate of return of 48%" to exaggerate the benefits of insurance products and did not use high, medium and low grades to demonstrate future benefit payments, as well as did not prompt the uncertainty of policy dividends.

At the same time, it was also found that in the two product briefings of "Hezhong Jufu Regular Investment Insurance (Dividend)" held in October 2014, the promotional courseware produced and used by itself contained the terms "principal of 500,000 yuan" and "dividend of 250,000 yuan", and the insurance marketer's business brochure "Hezhong Jufu Regular Investment Insurance (Participating Type)" product promotion contained misleading content such as "fixed interest of 3% 20%", "compound interest dividend of 70%" and "daily compound interest rolling".

The above case is probably what some consumers call "United Life Insurance**". In fact, United Life Insurance Company does not deceive people. At present, the terms of all life insurance companies in China need to be filed and approved by the China Insurance Regulatory Commission before they can be listed for sale.

Secondly, insurance companies are protected by law, but there may be individual salesmen who deliberately exaggerate the benefits when selling insurance in order to improve performance. These are personal acts. Although the insurance company is not responsible, the CIRC will impose corresponding penalties on the company and the salesman.

In any case, it may affect the rights and interests of our consumers, so consumers are required to keep their eyes open and fully understand when buying insurance. Don't be fooled.

Finally, the insurance company is not allowed to go bankrupt, only to file for bankruptcy, if the insurance company is not operating well, the insurance company will choose to merge, in addition to this, the China Insurance Regulatory Commission has the right to stop the insurance company's business, until there are enough funds to make the insurance company operate again. If the insurance company is declared bankrupt by the court, then all its business will be designated by the China Insurance Regulatory Commission to another insurance company** and continue its after-sales service, or surrender procedures.