What about MetLife Insurance?

The insured value can be determined in three ways, depending on the individual's needs:

1) According to the provisions of the law and the contract law, the law and the contract law are the fundamental basis for determining the value of insurance;

2) According to the insurance contract and the agreement of the parties. The insured value of some insurance subject matter is difficult to measure, such as life insurance, health insurance, and the human body and life span cannot be measured in money, then the insured value is agreed by both parties;

3) Determine the insured value based on changes in market value. The insured value of some insurance objects is not constant all the time. Most of the underlying assets also depreciate over time, and their insured value tends to decline...

MetLife is actually reliable, because it is a regular insurance company, and it has been filed with the China Banking and Insurance Regulatory Commission.

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

1. Background of the insurance company.

MetLife was established in Shanghai in August 2005 with a registered capital of 100 million yuan.

MetLife is a Sino-US joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment, of which MetLife is a global financial services company, which was established in 1868 and has accumulated abundant capital and occupies an important position in the market in many places around the world.

Metropolis Life provides financial security to people all over the world, serving thousands of customers around the world, with operations in 14 countries, subsidiaries, representative offices and authorities in the United States, Europe and Asia.

Is Sino-US Metsea Insurance Company reliable? Is the product worth buying? One article revealed!

2. Solvency.

Solvency is actually one of the important factors that determine whether the insurance company has sufficient funds to make a claim.

In fact, the China Banking and Insurance Regulatory Commission (CBIRC) has set a series of standards for the solvency of insurance companies, which need to meet the following criteria at the same time to qualify:

The core solvency adequacy ratio shall not be less than 50%;

The comprehensive solvency adequacy ratio shall not be less than 100%;

The risk rating must not be lower than Class B.

As can be seen from MetLife's solvency disclosure data for the first quarter of 2022:

Its core solvency adequacy ratio is a comprehensive solvency adequacy ratio, and the risk composite rating for the latest two quarters is A.

It can be seen that MetLife's solvency is far above the passing line, and there is no need to worry about claims.

How to settle a claim after a claim has occurred.

Learn about the background strengths:

On August 10, 2020, MetLife ranked 149th on the 2020 Fortune Global 500 list.

In October 2021, it was selected into the Forbes 2021 Global Best Employers list, ranking 94th.

OK. The company's salary package. MetLife.

The average monthly salary of the company is 11,958 yuan. Compared to the industry average, it is 17% higher. Employees with salaries in the range of 15k-18k are the most, accounting for 33%.

At the same time of enterprise development, MetLife Chongqing Branch never forgets to assume social responsibility, actively participates in various public welfare undertakings such as drought relief in Chongqing, and strives to create a caring and cohesive company.

Have a sense of social responsibility.

The first-class corporate image.

The U.S. metropolis genuinely cares about both term insurance.

There is no handling fee for surrender of the policy, but it is calculated based on the cash value stated in the contract. In the first few pages of the insurance contract, there are several records about the cash value, and the first column above is written "** cash value corresponding to the basic benefit", about the amount corresponding to the first year, the second year,,, and so on. At this time, you see what amount corresponds to the nth year, and the above is the result of how much you should receive.

Generally, the longer the time, the smaller the loss, after all, it is all paid, and you also have this protection, it is recommended that you return it cautiously.

In addition, if you surrender the policy early, you will definitely not get back the premiums you paid.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

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

Yes. MetLife provides life, health and casualty insurance products and services to consumers in Beijing, Chongqing, Guangdong, Shenzhen, Liaoning and Dalian through multiple channels such as advisory marketing, bancassurance, direct marketing and group insurance.

Expansion: Founded in 1863 by a group of New York City entrepreneurs for $100,000, the Metropolitan Group was founded as the National Union Life and Limb Insurance Company.

After five years of hard work and several restructurings, in 1868 the company decided to focus on life insurance and market insurance products to a middle-class clientele.

Because the company's business was most successful in New York City, known as the metropolitan area, it was named after MetLife Insurance Company. In 2012, MetLife was ranked 129th in the Fortune 500 and 114th in 2011.

On June 7, 2017, it ranked 42nd in the 2017 Fortune 500 list.

Metropolitan Holdings serves more than 70 million customers in the Americas, Asia Pacific and Europe through its locations. Its affiliates include the largest life insurance company in the United States (based on in-force life insurance policies).

The company has more than 140 years of life insurance experience serving more than 90 companies in the top 100 of the Fortune 5002. Mets provides life insurance, pensions, auto and home insurance, retail banking and other financial services to individual customers. In addition, it provides group insurance, reinsurance, retirement and savings products and services to corporations and other institutions.

In 1995, Metropolitan Group set up a representative office in Beijing, and in 1996, it set up a representative office in Shanghai. Metropolis is full of confidence in the development of China's insurance industry and looks forward to establishing long-term and stable operations in China. Since 1986, it has invested nearly 100 million US dollars in China.

As early as the time of the representative office, Metropolitan Group of America has actively carried out various projects to invest in and support the development of China. For example, actively lobbying members of the U.S. Congress for China's accession to the WTO; Sponsorship of Peking University; He has been concerned about the development of social security in China, and has sponsored seminars on housing finance hosted by the Chinese social security authorities. In December 2001, Metropolitan Group obtained permission from the China Insurance Regulatory Commission to establish an insurance company in China.

On October 15, 2003, Metropolitan Group and Capital Airport Group announced the establishment of a joint venture. On February 4, 2004, MetLife Insurance Company obtained the license from the China Insurance Regulatory Commission. On February 16, 2004, MetLife Insurance Company obtained a business license issued by the State Administration for Industry and Commerce.

On March 25, 2004, MetLife Insurance Co., Ltd. officially opened and held an opening ceremony at the Diaoyutai State Guesthouse. On April 28, 2005, MetLife Insurance Chongqing Branch was officially opened.

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