I want to buy insurance, which company should I choose that is more reliable?

The insurance companies on the market are basically regulated by the China Banking and Insurance Regulatory Commission, and they are all reliable, so if you want to buy insurance, you can rest assured that you can buy insurance. Although the insurance company is reliable, but the purchase of insurance is not only to see whether the insurance company is reliable, but also to pay attention to the solvency of the insurance company and the specific performance of the product, if you want to learn more about this type of insurance, you can take a look at this article: super complete!

Everything you need to know about insurance is here.

Each insurance company has its own advantages, and a good insurance company that Senior Sister has evaluated before - Tongfang Global Life Insurance****. It is built by 50% of the Dutch Global Life Group and Tongfang Shares, with a registered capital of 100 million yuan, and is a good Sino-foreign joint venture insurance company, and its strength is also very strong. If you still want to know more about Tongfang Global Life Insurance, you can take a look here:

How about Tongfang Global Life, what products are available, which one is good, in-depth analysis.

In addition, the solvency of Tongfang Global Life Insurance**** also meets the repayment standard of the China Banking and Insurance Regulatory Commission. According to the regulations of the China Banking and Insurance Regulatory Commission, an insurance company must have a core solvency adequacy ratio of 50% and a comprehensive solvency adequacy ratio of 100%, and a comprehensive risk rating of Class B or above in order to meet the normal operation standard.

In the second quarter of 2022, Tongfang Global Life Insurance**** had a core solvency adequacy ratio of 113%, and a comprehensive solvency adequacy ratio of 177%, with a comprehensive risk rating of AA. To sum up, Tongfang Global Life Insurance **** is relatively good, but the senior sister still said that buying insurance not only depends on whether the company is reliable but also chooses the right product for yourself.

Buying insurance is a lifelong thing, you have to buy insurance, choose safety.

Ranking of major insurance companies in terms of premium size.

The scale of premiums is an important indicator to measure the development of an insurance company.

The old seven that we often talk about are all ranked in the top 10.

The old seven: Life Insurance, Ping An, PICC, Xinhua, Taikang, Pacific, Taiping.

It can be seen that everyone really loves the old insurance companies, because they are well-known and can win the trust of users.

However, even other companies such as Zhonghong, Zhongrong, and Li'an, which have not heard of it, have reached tens of billions of premiums.

This scale, to other industries, is another leader, which should not be underestimated.

Since each insurance company has launched a lot of insurance products, each product has its own characteristics, so there is no definite answer to the question of "which insurance company is better to choose to buy insurance", but in fact, as long as the product is suitable for oneself and can play a more complete role in protecting oneself, it is worth buying no matter which insurance company underwrites it.

Some friends may be worried that they will buy products from unreliable insurance companies, so they want to know which insurance company is better to choose when buying insurance, but in fact, the insurance companies that can be established in China are reliable, because they can be established after the review of the China Banking and Insurance Regulatory Commission.

Even some insurance companies that everyone has not heard of very much, also have a certain strength, take Tongfang Global Life Insurance Company as an example, this insurance company's popularity is not very high compared to Ping An, Chinese Life and other industries in the "big brother", but since its establishment, its asset scale has exceeded 21.7 billion yuan, in Beijing, Shanghai, Jiangsu and other places have set up branches, providing comprehensive protection for more than one million customers.

Therefore, the low popularity of insurance companies does not mean that it is unreliable and has no strength.

Generally, choose a relatively large company, such as Pacific Insurance.

It depends on whether you choose the cost or the service, the cost of large companies is higher, and the service is good.

Companies such as Tongfang Global Life, Taikang Life, Chinese Life, and Ping An Insurance are relatively reliable. In fact, the insurance companies registered in mainland China are relatively reliable. These insurance companies need to pay more than 200 million yuan of registered capital to be established, and the threshold for establishment is high.

Li Zhao: And insurance companies will be strictly supervised by the China Banking and Insurance Regulatory Commission, and they are very reliable. Since insurance companies are reliable, which one is better for us to see when choosing an insurance company? For those who don't know, you can take a look at this:

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

Compared with insurance companies, it is more important to pay attention to whether the insurance product is good or not. For example, when choosing critical illness insurance, choose products with additional compensation for critical illness, comprehensive coverage of high-incidence mild and moderate diseases, and malignant tumors-severe multiple claims, so that you can more effectively resist the economic risks caused by critical illness. More standards for excellent critical illness insurance have also been sorted out, and interested partners can click the link below to view

A good critical illness insurance policy looks like this! You've been lied to for so many years.

If you want to buy insurance to avoid detours, in addition to paying attention to insurance companies and product protection, it is also necessary to pay attention to some precautions, such as protection first and then financial management. The protection function of wealth management products is relatively weak, and generally cannot fully cover the economic risks caused by diseases and accidents, so it is necessary to first configure critical illness insurance, medical insurance and other protection insurance, and then consider the allocation of wealth management products if economic conditions permit. Space is limited, if you want to see more precautions, you can poke this article:

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

That's all there is to it! Hope that helps!

Hope!

Of course, there are still a lot of good insurance companies on the market, such as PICC and Pacific Insurance Company, etc., these insurance companies are very well-known, and the reputation has always been very good. If you need to buy insurance, you can go to each insurance company to find out and then make a choice.

Pacific Ocean is better, this company has a very good reputation, and it has been established for many years, which is more reliable.

Which company is better. Life insurance and Ping An insurance are both large companies, and they are both companies worth choosing.

The main thing is to see what kind of insurance you buy, so that you can choose the right one, you can choose the safe one, this kind of company is relatively large.

After all, there are many examples of insurance companies with great reputations but poor insurance products, so I won't criticize them by name here.

As for which life insurance is good, the respondent will also make a specific introduction here, so that everyone can make a better choice.

1. Huagui Insurance - Barley Sweet Home.

Sweet Home This product is very distinctive, it is designed for couples, a policy covers both husband and wife, and the special thing is:

If both husband and wife die or become totally disabled due to the same accidental injury, 200% of the sum insured will be paid respectively, for a total of 400% of the sum insured. 4 times the sum insured!

However, this product must be jointly insured by husband and wife, and the sum insured by both of them is exactly the same. It is suitable for families with two breadwinners and equal income.

2. Tongfang Global - Zhenai Preferred.

This life insurance is very cost-effective, and it maintains relaxed insurance conditions while keeping it at a low price:

Regardless of whether there is social security, whether you smoke, BMI, 1-6 occupations can be invested, and there are only 3 health notices.

Under these conditions, the ** of Zhenai is very close to the people:

30 years old, 1 million sum insured, 20 years of contributions.

Male: 1572 yuan; Female: 849 yuan.

You must know that every concession means that you need to shrink the insurable population and let the healthiest people as much as possible take out insurance so as not to lose money.

It's not easy to achieve such a cost-effective balance!

3. Huagui Insurance - Damai Dingshou 2020

Barley Dingshou 2020, the health notice is relaxed, and there are no notification requirements for common problems such as thyroid disease or nodules, smoking, and drinking, and the cost performance is also very good.

In addition, Barley Dingshou 2020 comes with two major privileges:

1.Term life insurance conversion right: If the remaining coverage period of the contract is not less than five years, you can apply to convert to term life insurance.

2.Whole Life Insurance Conversion Right: If the contract has been in force for two years and the remaining coverage period is not less than five years, you can apply to switch to whole life insurance.

Whether buying insurance is reliable or not depends mainly on the insurance product you buy and the purchase channel, as long as you buy the insurance through the right channels, there will generally be no problem.

Is it reliable to buy insurance? Could it be a lie?

Many people think that buying insurance online is unreliable, and it is wrong to think so. It's like buying a mobile phone, you definitely won't ask, is the mobile phone on the Internet reliable? Instead, I will ask which model of mobile phone is reliable.

It's the same with insurance, the network is just a sales channel, but there are no middlemen, so it's cheaper.

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.

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.

Insurance companies are reliable, all are managed by the CIRC, and you can buy with confidence.

It's reliable, but you still need to understand the company's background strength and so on before choosing. If you need it, you can refer to it.

Insurance is a necessity now, and it will depend on commercial insurance in the future.

So we usually think about insurance in our own lives. So there are also some people who put forward their friends on the Internet who want to buy insurance, so which insurance company is more reliable? We can find that a company such as Chinese Life Insurance is also relatively reliable, including Chinese People's Insurance Company.

These two companies are worth considering, and we can see that these two companies are relatively good in terms of strength, and there is still some competition between these two companies. <>

Chinese people's insurance can be considered.

First of all, we can consider Chinese people's insurance, which is indeed very large for such an insurance institution. As the first company in our country to import and export business, it does play a very big role in such a business as insurance. Including many foreign groups that have opened branches in China, such foreign groups are also insured in such a company.

This can not only protect the rights and interests of some people, but also for some of the company's protection. <>

The business is very skillful and celebrated.

In such an insurance company, there are many types of insurance that we can choose by ourselves. We can choose a suitable type of insurance according to some of our actual conditions, and when we encounter some accidents or need to go to medical treatment, we can take into account accident insurance and medical insurance, and these two insurances are also outstanding. In terms of the amount paid by other insurance companies or other profit interests, it is indeed Chinese people's insurance that is better.

Because it can not only bring us huge profits, but also for ourselves, once there is any problem, it is also a relatively large guarantee for our own economy. Some people usually do not have the money to treat after they are sick, so we can find that some of the help given to us by Chinese people's insurance is very huge, which can allow us to seek medical treatment as soon as we get sick.

Ping An Insurance, Chinese Life, Xinhua Insurance, Sunshine Insurance, Pacific Insurance, Taikang Collapse Life Insurance are all very reliable upgrades, and they are also some well-known insurance companies in China.

According to the current ranking of insurance companies, Choqiao should be a key to China Insurance, Life Insurance, Pacific Insurance, Chinese Shou Chachang, Sunshine Life, etc., are very reliable companies.

If you want to buy insurance, you can choose Ping An Life Insurance, which is still relatively reliable, and the claim settlement speed is also very fast.

As long as it is a legal and regular insurance company, you can buy it. When buying insurance, we must first look at the quality of the insurance product, and then look at the insurance company. It is understandable that users buy insurance to consider this kind of behavior of insurance companies, but the most important thing is not the insurance company but the insurance product, only the product can meet the protection requirements of the individual, and it is necessary to consider too much whether the insurance company is well-known.

Before choosing insurance, users need to pay more attention to their own needs, rather than choosing or abandoning an insurance product by whether the insurance company is well-known, after all, when buying insurance, protection is the first. The above is the relevant content of which insurance company is better to choose when buying insurance.

1. Consider the loss of funds: surrender insurance will lead to economic losses, and surrender insurance at different times, the loss can be more or less. Surrender the insurance during the hesitation period, whether there is zero loss or very small loss. If the insurance is withdrawn during the hesitation period, the loss will be relatively large;

2. Take into account the age of the individual: with the increase of age and the increase of risk, the insurance premium will increase again;

3. It is necessary to fully consider the changes in commodities: insurance products are relatively single, and the "new products" often referred to are not so new. It is likely that it is because of publicity and advertising, and on the basis of the original one, the responsibility is slightly increased, and the name is changed.

Therefore, if there is an insurance that does not guarantee that the specific content changes too much, the customer does not need to surrender the policy;

4. It is necessary to fully consider the customer's own physical condition: the body is healthy when buying insurance, but as the age increases, there may be various problems in the human body.

If you have bought an insurance policy and want to surrender it, you can contact the insurance sales staff. It will be much easier to surrender the policy during the cooling-off period. The cooling-off period is usually around 10-15 days, and if the customer surrenders the policy during the cooling-off period, the customer can get back the full amount of the insurance premium.

Even if you can't get back the full amount of the insurance, you only need to charge a small fee, and the surrender process is very simple. However, it is much more difficult to surrender the policy after the insurance has taken effect, and the cash value can only be refunded. If the customer has already applied for reimbursement of expenses once or twice, it is even more difficult to apply for a surrender.