What is the reputation of Sunshine Insurance? How is the reputation of Sunshine Insurance?

Sunshine InsuranceThe reputation is still very goodShare a ranking list with the subject to see if Sunshine Insurance is on the listFreshly baked! China's Top 10 Insurance Companies Ranking!

So what are the main aspects we look at when we look at an insurance company?

1.Company backScenery.

Sunshine Insurance was established in 2005The registered capital is 100 million yuanYesChina's top 500 enterprises and China's top 100 service industries

Its growth rate is also very fast, it has established an insurance group in three years and three years, surpassed 71 insurance entities in five years, and entered the top eight in China's insurance industry, and then successfully entered the medical and health industry.

2.Solvency

SolvencyIt reflects the ability of the insurance company to repay its debtsDue to the particularity of the insurance industry, its core business is to ensure that it has the ability to pay insurance compensation at any time.

The two major indicators used by the CBIRC to assess the solvency strength of insurance companies are the core solvency adequacy ratio of 50% and the comprehensive solvency adequacy ratio of 100%.

According to the solvency information for the first quarter of 2020 publicly disclosed by Sunshine Insurance, it said:The core solvency adequacy ratio is and the comprehensive solvency adequacy ratio is。All of them are higher than the requirements of the China Banking and Insurance Regulatory Commission.

3.Representative products

Insurance products are the ones that really protect usOn the purchase of insurance,The product is often more important than the insurance company.

Critical illness insurance is highly complex and updated quickly, so a companyCritical illness insurance is the best reflection of its product design capabilitiesLet's take a look at how the Sunshine i-Insurance, which is known as "highly promoted by planners", is doing.

Sunshine i Bao C is oneSingle-pay, single-payout critical illness insurance with lifetime protection

From the ** point of view, it can be understood that critical illness, mild illness and death benefits are covered. Flexible payment termsSunshine i-BaoThe grouping of mild cases is quite reasonable, such as mild stroke, atypical myocardial infarction and other high-incidence mild diseases were divided into different groups. In the unlikely event that you suffer from this type of illness first, it will not adversely affect the benefits of minor illnesses.

But on sickness coverageLack of moderate illness coverage。According to the current development situation of critical illness insurance, moderate illness protection is the basic configuration of most critical illness insurance products, so the protection of Sunshine i Insurance is still not comprehensive enough.

Hope!

Xueba talks about insurance, focusing on insurance evaluation! I stayed up late last night and sorted out a copy"Comparison Table of 136 Domestic Critical Illness Insurance".

What is the difference between the critical illness insurance of Sunshine Life Insurance Company and other insurance companies, come and take a look.

As a relatively senior insurance company in the industry, Sunshine Insurance has always been at the forefront of the insurance industry. It now has a number of professional subsidiaries such as life insurance and property insurance.

To be honest, just because you recognize the insurance company, you can't take it for granted that their products are fine. Generally speaking, Sunshine Insurance is decent, for example, the critical illness insurance they have been promoting in recent times: Sunshine i Insurance.

I have done some simple analysis of this product, if you are interested, you can take a look at this: about the content of Sunshine i Insurance, friends who have questions can take a look at this article:"Everyone praises the Sunshine I Protection", and these shortcomings.

At the same time, Sunshine Insurance Company also has another well-known critical illness insurance product: "Sunshine Kangrui Model B", some time ago, I also specially studied the Sunshine Kangrui Model B promoted by Sunshine Life, and pulled out the advantages and disadvantages of this product: (see the figure below for details).

Pros:1Old brand, many branches, appropriate service.

2.If you are diagnosed with a critical illness during the benefit period, you will receive an additional benefit, and 50% of the basic sum assured will be paid for 8 critical illnesses such as malignant brain tumor.

Cons: 1Low payout for mild illness: The payout ratio for mild illness is not as high as that of other similar products.

2.No Insured Waiver: The Insured Waiver is not taken into account and a second premium payment is required.

3.Not cost-effective: because he is an expensive return-oriented product, and he is only insured until he is 80 years old.

On the whole, Sunshine's critical illness insurance can only be said to be average, and its competitiveness in the current critical illness insurance market is indeed a little worse. Through the introduction of this product, I wonder if you have a deeper understanding of sunshine?

Help you buy the right insurance. Hope!

Sunshine is still very powerful. When it comes to word-of-mouth, the key is the quality of the marketer.

If not very rich. For the sake of your wallet, please do not take out the universal insurance and decide what to buy according to your own needs. How about sunshine do not make a evaluation.

As long as the product suits you, it doesn't matter if it's a big company or a small company. Because insurance companies don't go bankrupt and don't go bankrupt. So, as long as the terms are right, it doesn't matter if you buy the products of the company that was established yesterday.

Landlord, if you need to be insured, in fact, this is really not the most important thing. For example, in fact, Haier's reputation is not bad, but there are still users who encounter various problems with Haier.

Sunshine is not your average garbage!! It's a very rubbish small company.

It depends on where it is, after all, there will be a process for a company to develop at the beginning. Although it has only been more than six years, it is still worth believing if you can know by looking at more relevant newspapers.

I haven't heard of this insurance company yet, it may be a new company, I think it's better to find a big company to get insurance.

Sunshine Hercules Term Life Insurance is a term life insurance policy launched by Sunshine Life. Some time ago, I received intensive inquiries from several friends. Evaluate this product in detail today.

Product form. Basic Responsibilities.

100% basic death and disability insurance.

Insurance. For specific traffic accidents, the optional insurance amount is 1 million to 10 million (floating with the basic insurance amount).

Exemption from liability for major minor illnesses of the insured.

Rate: Take the age of 30, 60 to 60 years old, 1 million basic sum insured as an example.

Male: Basic Guarantee: 1209 yuan per year.

Additional 1,000,000 insurance amount for specific traffic accidents: 1,214 yuan per year.

After waiver of additional insurance: first year.

Female: Basic Guarantee: 652 RMB per year.

Additional 1 million insurance amount for specific traffic accidents: 657 yuan per year.

After waiver of additional sum insured: 1st year.

Rate evaluation: Sunshine Life Hercules Term Life Insurance lacks decisive competitiveness in the current comprehensive market competition.

Pit 1: Meaningless exemptions.

Sunshine Hercules term life insurance can be waived. If the insured suffers from a "mild or severe illness" listed in the clause, subsequent premiums can be waived.

We have discussed this issue in the past, but here we have come to a direct conclusion: the essence of all exclusion clauses is "regular reduction of critical illness insurance". However, we do not recommend or recommend additional term critical illness insurance.

Based on the above points, our advice is that even if you want to buy Sunshine Life Hercules Term Life Insurance, use the money to increase the sum insured.

Pit 2: Women cannot be insured in the first trimester or within 2 months after giving birth.

It is true that women will be at greater risk during pregnancy and childbirth, but this is not a reason for insurance companies to ignore the need for women to take on family responsibilities during pregnancy and early postpartum. Giving birth to a life is a physiological process, not a pathological process, and it is beautiful, not pathological. I hope that Sunshine Life will be aware of this basic common sense in future product design.

Finally: As the market becomes more and more competitive, term life insurance is also trying to disrupt consumer judgment with riders. The only effective protection of term life insurance is "death benefit", so as long as the purpose of "death benefit" can be achieved, it is obviously cheaper and better.

Millions of car purchase subsidies.