Is Chinese life insurance reliable?

Is Chinese life insurance reliable? Chinese Life's insurance is reliable, and Chinese Life is one of the top ten established companies in the insurance industry. According to data released by the Insurance Association of China, the core solvency and comprehensive solvency of Chinese Life are and respectively.

It belongs to Class A, which far exceeds the qualification standards stipulated by the CIRC. The strength of Chinese Life is undoubted, and among the 100 million premium complaints disclosed by the China Banking and Insurance Regulatory Commission, Chinese Life ranked 76th.

Many people don't know how to choose an insurance company when buying insurance. In fact, the probability of happening in a regular insurance company is very small! Because all insurance companies are managed and regulated by the CBIRC!

Secondly, the insurance contract has legal force. So is Chinese life insurance reliable? Let's take a look!

Chinese Life is one of the top ten established companies in the insurance industry. It is one of several insurance groups with assets of more than one trillion yuan in China, and one of the largest institutional investors in China's capital market. The funds are abundant and the product range is also very rich.

Solvency, the CIRC has two rigid indicators for the solvency assessment of insurance companies. The company's core solvency adequacy ratio is 50%, the comprehensive solvency adequacy ratio is 100%, and the comprehensive risk level reaches B and above, and the solvency meets the standard. According to data released by the Insurance Association of China, the core solvency and comprehensive solvency of Chinese Life are and respectively.

It belongs to Class A, which far exceeds the qualification standards stipulated by the CIRC. The strength of Chinese Shou is beyond doubt. Target.

Hot-selling product, as a hot-selling product of Chinese Life, the China Life Welfare Celebration Edition has added 20 kinds of moderate disease protection compared with the old version, and the number of mild cases has increased to 6 times, and there are 6 times. An additional 50% will be paid for certain critical illnesses before the age of 70. Added optional responsibilities.

An additional 50% will be paid for 120 major illnesses before the age of 70, as well as multiple claims for high-incidence serious diseases such as cancer. More comprehensive protection. Supporting millions of medical insurance, such as Ekang Yuesheng Electric Edition, can guarantee the renewal for 5 years, and the renewal is relatively relaxed.

From the perspective of customer service, among the 100 million premium complaints disclosed by the China Banking and Insurance Regulatory Commission, Chinese Life ranked 76th. The lower the ranking, the fewer complaints. It can be seen that the number of complaints about Chinese Life is relatively small, and the services in all aspects are relatively high!

Chinese Life Insurance has entered the top 10 in the insurance industry so far, with abundant funds and rich insurance varieties. So what do many people think of Chinese life insurance? Is Chinese life insurance unreliable?

Xiaobao has sorted out the relevant materials and sent them out! China Life Insurance refers to China Life Insurance Co., Ltd., which is a leading enterprise in the domestic life insurance industry, headquartered in Beijing and <>

The registered capital is 100 million yuan, in addition to judging whether the insurance company is good or not, and the products sold by the insurance company, we must also judge the quality of the company's background, operating conditions, solvency and service level. Then S will introduce Chinese Life Insurance in this regard, so that we have a deeper understanding of Chinese Life Insurance Company. Background of Chinese Life Insurance Company.

Chinese Life Insurance is a state-owned super large financial insurance company, headquartered in Beijing, the world's top 500 enterprises and China's top 500 brand enterprises, belonging to the first financial enterprises. Founded in 2003, on June 30, with a registered capital of 18.2 billion yuan, it has been selected as one of the world's top 500 enterprises for 7 consecutive years. The predecessor of the company was the original Chinese People's Insurance Company, which was established in 1949, and was divided into China Insurance Life Insurance **** in 1996, <>

In 1999, it was renamed China Life Insurance Company, and in 2003, with the approval of the China Insurance Regulatory Commission, the original China Life Insurance Company was reorganized and changed to China Life Insurance (Group) Company. In the "21st Century Asian Financial Competitiveness Selection" by 21st Century Business Herald, it was rated as the best life insurance company in Asia in 2019. In 2019, it ranked 105th among the top 2000 companies in the world by Forbes.

As a traditional insurance company, Chinese Life Insurance has a high brand awareness and a large team of people. Moreover, due to the large number of branches, it is not difficult to find the noodle service network in all provinces across the country, including some township areas. Chinese Life Insurance Management, from the main operating indicators in 2019, the operating ability of Chinese Life Insurance is still very good.

In 2017, China Life Service Rating ranked fifth with an A grade in the word-of-mouth ranking of insurance companies led by the China Insurance Regulatory Commission. Among the Fortune 500 companies recently selected, Chinese Life has achieved good results of 42 people, enjoying a high reputation at home and abroad. In general, as one of the top 10 insurance companies, Chinese Life Insurance has strong financial strength, and its operating conditions, repayment ability and service level are very good.

As an old large insurance company, it has a certain credibility in the crowd and can buy Chinese life insurance products with confidence. Of course, buying insurance requires a specific assessment.

Chinese Life's insurance is of course true, because its products can only be issued after being reviewed and filed by the CBIRC.

Moreover, Chinese Life itself is a formal insurance company, generally there will be no inability to pay the claim, and even if the insurance company goes bankrupt due to poor management, it will not affect the policy rights, as long as the payment conditions agreed in the terms are met, you can still get compensation as usual.

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

1. Background of the insurance company.

Chinese Life was established in Beijing on June 30, 2003 with a registered capital of 18.8 billion yuan.

Chinese Life is known as the "mainstay" of China's insurance industry;

China's largest life insurance company and the leader of China's life insurance market;

It is also the world's first insurance company to be listed in New York, Hong Kong and Shanghai;

The market capitalization ranks first among the world's listed insurance companies;

At the same time, it is also the second largest shareholder of CITIC, the largest shareholder of China Guangfa Bank and the second largest shareholder of Minsheng Bank.

How is Chinese life, what products are there, and is it good?

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 the solvency report of Chinese Life in the first quarter of 2022:

The core solvency adequacy ratio and comprehensive solvency adequacy ratio of Chinese Life are respectively60%；Its composite risk rating for the third and fourth quarters of 2021 was A.

It can be seen that the solvency of Chinese Life is far beyond the standard line, and there are enough funds to settle claims.

How to settle a claim after a claim has occurred.

Very reliable, if you want to buy insurance, you must go to Chinese Life to buy is guaranteed, and the after-sales is very good.

I think it's pretty reliable because I've had insurance here before.

Of course it's reliable. This insurance company has been around for a long time, and Chinese Life is particularly famous and reliable.

It is still relatively reliable, and Chinese Life is also a relatively large company, with a lot of very good insurance.

Chinese life insurance is still relatively reliable, this insurance company has been held for many years, and there has never been any problems.

My family bought personal health insurance last year, the service attitude is very poor, I don't want to buy this year, all the additional insurance has to be refunded, I called dozens of ** contacts, said that the additional insurance is removed, and the deduction is still charged, and the family can not find the claims service personnel for hospitalization reimbursement, and the service attitude is really rubbish! Only recognize money!

Rely on fraud to become a life insurance brother.

Whether you are reliable or not depends mainly on whether you have a major accident.

As the leading boss of the insurance industry,Chinese life is certainly not a lie, and the senior sister guarantees that it is reliable.

First of all, Chinese Life is a company filed with the CBIRC, which is supervised by the CBIRC, and from the perspective of security, the insurance company has no problem; Second, the indicators of Chinese's life not only meet the standards, but also often rank among the best.

The detailed evaluation of various aspects of Chinese life, with limited space, is placed here:What about Chinese life insurance? Is it reliable?

Chinese Life insurance company is no problem, but the insurance products it launched are not necessarily suitable for us, for this reason, the senior sister specially compared and analyzed the following products of Chinese Life one by one, and finally selected these seven most worthwhile insurance, for friends who are willing to buy Chinese life insurance, it is recommended to collect:The top seven [Chinese Life] insurance products in terms of cost performance

In addition to the credibility and products of the insurance company, the service of the insurance company is also a very important point. For consumers, the focus is on whether a claim can be made and how quickly it can be settled.

In fact, whether to settle a claim lies in the terms, and those who meet the terms of the contract will be compensated, and those who do not meet will not be compensated; The timeliness of claims is indeed different from insurance company to insurance company, and the speed of claim settlement varies from case to case.

The senior sister has evaluated the service of the insurance company, and because of the inconvenience of showing (dense and unclear), I will not put the comparison here ** (if there is a demand, you can click on the original text to view):Top 10 insurance companies in terms of service** points

Summary. However, there are some insurances that cannot be surrendered, such as consumer insurance, or accident insurance.

Is Chinese life insurance reliable?

Hello dear, reliable!

Chinese Life Insurance Company is reliable. Chinese Life Insurance Company is a state-owned super-large financial and insurance enterprise in China, which is a leading financial enterprise, not only one of the top 500 Chinese brands, but also one of the top 500 enterprises in the world. Chinese Life mainly operates life insurance, critical illness insurance, accident insurance and other life insurance businesses, and has a long history in the insurance industry.

A lot of people say it's unreliable, it's **.

Which aspect are you talking about, dear? Chinese Life Insurance products are reliable.

It's just that some people bought insurance, but the salesman did not explain the terms of the insurance, which caused some people to feel cheated

If the payment period expires, it is said that it can be refunded at the time, but it cannot be refunded.

If you can't surrender the policy, you can complain to the relevant departments, and surrender is the right of the policyholder!

However, there are some insurances that cannot be surrendered, such as consumer insurance, or accident insurance.

Reliable. Chinese Life is an insurance company approved by the China Banking and Insurance Regulatory Commission, and it is also a state-owned enterprise. It has strong strength, a wide range of business scope, and qualified solvency, which can be trusted. Its business covers life insurance, property insurance and other fields, and there are many choices.

If you still want to know more about this insurance company, you can take a look: how is Chinese life, what products are there, and is it good?

Reliable Chinese Life Is Chinese Life Insurance Reliable? I have bought insurance for nearly 20 years, and I unilaterally broke the contract and did not renew it! In 1999, I bought Chinese Life Corning Whole Life Insurance, and in 2001, I upgraded the insurance to include hospitalization medical insurance, when I was in my 30s.

In the prime of life.

Chinese Life Property & Casualty Insurance Co., Ltd. **** is a national professional property insurance company jointly established by Chinese Life Insurance (Group) Company and its Chinese Life Insurance Co., Ltd., with a registered capital of 8 billion yuan. The business scope includes property damage insurance, liability insurance, credit insurance and guarantee insurance, short-term health insurance and accident insurance, reinsurance business of the above businesses, the use of insurance funds permitted by national laws and regulations, and other businesses approved by the China Insurance Regulatory Commission. So the property of Chinese Life Insurance Company.

Chinese Life is a national brand and a listed company in China, and it has a complete range of insurance and fast claim settlement. Do salesmen and other jobs, buy insurance, it is recommended to go to Chinese life. Some insurance companies are joint ventures of companies and individuals.

There are also insurance shares invested abroad****.

In the past, when people looked at the issue of insurance, many people would think that insurance belonged to the **, because they felt that they had spent money in vain if they were not sick. This is actually a very backward concept, because insurance is not for a person to make a profit, but to provide a person with basic protection, when a person is dealing with a crisis of life or illness, insurance can help a person or even a family to tide over the difficulties.

The insurance on the market is basically very reliable. You need to improve your insurance knowledge. You can think of insurance as a basic cover for yourself.

Chinese life insurance is reliable, it is also a state-owned enterprise unit, to buy insurance, I only buy in Chinese life insurance, I rarely buy other insurance companies.

There is no unreliable company, only unreliable salesmen, and it is very important to choose a reliable salesman to ask whether the insurance portfolio of China Life Xinxibao can be bought.

2.Follow-up services.

Question: Is it reliable to buy it at ICBC.

Pay the fee continuously for 5 years.

Annuity insurance cannot be surrendered in the middle of the policy, and the surrender will be considered large according to the cash value, so it should be chosen according to your personal needs.

If you surrender the policy in the middle of the policy, the principal will not be recovered.

The question is very confusing, is this insurance product reliable?

The question has been paid for one year, it is time to pay for the second year, I don't know how this insurance product is, I want to ask a professional for guidance, whether to continue or stop, thank you.

Since you have handed it over, continue to hand it over, and the trickle will be long.

Ask a good question, thank you.