What is the income of GCL Universal Insurance?

What is the income of Zhongyi Life Universal Insurance, we have to look at which product it is, generally speaking, the income of a company's universal insurance products is good or bad. Let's take a look at the strength background of this insurance company.

Founded in 2002 with a registered capital of 3.7 billion yuan, Zhongyi Life Insurance is the largest joint venture life insurance company in China, and its main shareholders are Generali Insurance and China National Petroleum Corporation.

Let's take a look at its solvency, as this is an important indicator of an insurance company's ability to repay its debts.

In the second quarter of 2022, GCL's core solvency adequacy ratio and comprehensive solvency adequacy ratio were .68% and a comprehensive risk rating of BBB in Q1 2022. According to the regulations of the China Banking and Insurance Regulatory Commission, the solvency of Zhongyi Life is up to standard.

Let's take Zhongyi Jufu Lock Whole Life Insurance (Universal) as an example, its minimum guaranteed interest rate is 2%, and the guaranteed interest rate of common universal insurance on the market is generally in this range, which shows that the guaranteed income level of this Zhongyi Jufu Lock Whole Life Insurance (Universal) is relatively at the lower middle level.

In addition to looking at the rate of return, we also need the initial cost of the universal insurance product when choosing a universal insurance product, and how much is the handling fee for partial collection. If you still want to know more about universal insurance, you may wish to poke here: Wealth management with universal insurance, stable and safe income?

Doxxing universal insurance!

Friends who want to buy universal insurance to manage their finances, you can also buy annuity insurance (universal type), annuity insurance is that we pay a one-time or installment premium to the insurance company, and at the time agreed in the contract, the insurance company will give us a sum of money on schedule, usually there are two kinds of education and pension. We buy annuity insurance mainly to look at its receiving amount, cash value, and death liability. If you don't know what products you should buy, you can poke here:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Brother Bao said insurance, focus on insurance evaluation! Let's take a look at the differences between the 36 universal insurance and the other 100 popular products.

There are a lot of universal insurance for Zhongyi Life, I don't know what kind of insurance you are talking about, in fact, the domestic universal insurance is almost the same at present, the protection content is insufficient, and it is more inclined to financial investment, which is suitable for those who have complete protection and spare money to buy financial management. Let's take a look at what kind of insurance is universal insurance:

Universal insurance is a kind of insurance that integrates investment income, death protection, and critical illness protection, and multiple protections under one policy. There are two advantages of buying universal insurance, that is, not only protection, but also financial management, this kind of product has been favored by everyone, and in fact, is universal insurance really enough to be protected? This product is not necessarily good, it has not yet reached a good comprehensive guarantee, and the following problems are also more common:

For example, it is expensive and not cost-effective, and the insurance products in universal insurance are more expensive, and those purchased separately will be cheaper; In addition, it seems that everything is involved in the content of the insurance, but the amount of protection is not too high, and buying insurance is usually to buy the amount of insurance, and the low amount of insurance will make the insurance very worthless; In addition to these, there are many important small details, which are not listed here because they are too long, so studious friends should read this article directly.

Is universal insurance doing well in terms of income, now generally speaking, it is the guaranteed interest rate of universal insurance, and the part of income that exceeds the guaranteed interest rate is uncertain, which is related to the operation of the insurance company. It can be seen that the income of universal insurance is also relatively low, and it is far less than the annuity insurance that is professionally set up by the financial management function. If you want to know more about annuity insurance, you can take a look at this latest list!

Ranking of the top 10 insurance companies in the country.

To sum up, such a universal insurance that can protect and manage wealth at the same time is a multi-functional insurance product, but most of the time, the more functions, the more unprofessional the insurance protection is. Insurance should be matched in this way: first choose protection insurance products to ensure that the protection is complete, and then choose wealth management products.

There are many universal insurance products launched by Zhongyi Life. It is difficult for the senior sister to judge whether the income is good or not. After all, different products have different benefits.

Taking Zhongyi Preferential Wealth Insurance (Universal) Insurance as an example, its guaranteed interest rate is that the income under this interest rate is guaranteed, which is a good level in the market.

As for the settlement rate, the latest settlement rate for this product is: However, you also need to note that the settlement interest rate is fluctuating!

The Chinese shareholder is PetroChina, the foreign shareholder is Generali Group, has 183 insurance history, is one of the nine insurance companies in the world, and is the first joint venture insurance company in China to join the WTO. How ignorant is the man who says he is little ...

I can only tell you that it is unreliable, and you refuse to pay if you bite the word! The amount is not large, unlike the actions of large enterprises. Let's talk about insurance and oil, you can imagine. If you don't believe it, try it yourself.

As long as the insurance of the listed insurance company is reliable, the gap is the size of the company, which is related to the professionalism of insurance practitioners and the speed of claim settlement.

Unreliable, I suggest you still find other large companies, my family bought the hospitalization insurance of Zhongyi Life, and I haven't made a claim yet! There is no conflict of agreement, there is just no down.

GCL is a joint venture between PetroChina, ranked 25th in the world's top 500, and Generali Group, ranked 34th in the top 500, and its strength should not be underestimated.

Each insurance company has its own strengths, and each company also has its own outstanding points. The most important thing is to find a responsible salesman so that the insurance you buy will have double the value.

If you have any questions, you can ** or SMS free consultation:

Chengdu Zhongyi Life Insurance: 028-81809230

We will be happy to provide you with professional services.

Insurance is recommended to purchase a brand company.

Life is still very reliable, after all, it is a large company.

Zhongyi Life Insurance is a joint venture company of the world's earliest insurance company to operate life insurance, Generali Insurance Group, medical insurance can be sold separately without adding main insurance, self-financed drugs can be reimbursed, no need for designated hospitals, which is still very convenient, usually the solvency of insurance companies depends on these three indicators: core solvency adequacy ratio, comprehensive solvency adequacy ratio, risk rating. GCL's core solvency ratio was 177% and its comprehensive solvency ratio was 177%. The risk rating is B.

It fully meets the standards of the China Banking and Insurance Regulatory Commission, so Zhongyi Life Insurance is a company with good strength, and everyone can buy it with confidence.

Universal insurance refers to life insurance that allows you to arbitrarily pay premiums and adjust the amount of death insurance benefits at will. The reason why universal insurance is called "universal insurance" is that after applying for insurance, customers can adjust the sum insured, premium and payment period according to their protection needs and financial resources at different stages of life, determine the optimal ratio of protection and investment, and make the most of limited funds. Chinese Life's universal insurance has a variety of products, and the most important thing in choosing insurance is to choose the most suitable product according to your own situation.

According to the universal insurance product descriptions of many insurance companies, usually within 10 years of the effective date of the policy, the policyholder has to pay an initial fee of a considerable amount to the insurance company. The first year is the most paid, with the initial fee often accounting for 65%-70% of the premium paid, with a relatively large proportion in the first three years and a relatively small proportion after the fifth year. In addition to the risk insurance premium and initial fee, the universal insurance policyholder also needs to pay other fees to the insurance company, and some companies also charge a partial collection fee and surrender fee.

Therefore, when choosing universal insurance, we should not only pay attention to the "addition", but also analyze the "subtraction" done by the insurance company, that is, pay attention to the comparison of the deduction of various expenses of the insurance company. How to understand universal insurance, let's understand from these aspects. First of all, universal insurance is a "life insurance".

Don't think that it is a wealth management product, universal insurance is also an insurance product. Therefore, it has the basic functions of life insurance, such as: providing corresponding life protection, insurance benefits are exclusive, insurance benefits are exempt from income tax, etc.

Although it is not a tool to achieve huge profits, it can take into account investment returns and related protection, and at the same time, it can ensure our assets by legal means. It is an ideal way to store "risk reserves". Second, it is a "one-size-fits-all" life insurance.

It is said to be "omnipotent", mainly in terms of flexible payment, adjustable sum insured, and convenient receipt of policy value. First, the payment is flexible. You can choose or change the payment period at will, defer or stop paying premiums when your income changes in the future, continue to pay premiums after three to five years or more, and increase premiums one or more times.

Second, the sum insured can be adjusted. You can choose or change the "basic sum assured" within a certain range at any time, so as to meet people's different needs for protection and investment. See the "Illustrative Examples" section of the table below.

Third, it is convenient to receive the policy value.

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

The coverage of different products is different depending on the insurance contract.

Zhongyi Life Insurance Co., Ltd. is a life insurance company jointly established by Generali Insurance and China National Petroleum Corporation, which was established in Guangzhou on January 15, 2002 with the approval of the China Insurance Regulatory Commission, with a registered capital of 1.9 billion yuan, becoming the first Sino-foreign joint venture insurance company approved to be established after China's accession to the WTO.

Based on the Chinese market, GCL introduces international advanced insurance knowledge and experience, and tailors personalized, diversified insurance products to meet different protection needs for customers, mainly including life insurance, accident insurance, health insurance, investment insurance and group employee benefit plans.

These products have a wide range of protection, flexible rates, comprehensive protection benefits, and can be combined and matched, forming a product series of Zhongyi Life with distinctive characteristics and innovative advantages.

Adhering to the service concept of "customer-oriented", GCL wholeheartedly provides customers with all-round, professional and high-quality services. The timeliness and quality of claims service have been at the forefront of the industry for a long time. At the same time, it advocates differentiated services and constantly innovates service connotations.

Global emergency assistance, direct-paying medical care, etc., have formed the characteristic services of GCL, allowing customers to enjoy the advantages and honor of first-class insurance companies.

Hello As far as I know, no company's insurance can be said to be fully reimbursed, and it can only be reimbursed according to 80% of the reimbursable part of social security

Hello, Wu Weihui of Ping An Changsha Branch of China will reimburse your service expenses according to the insurance contract, and the coverage of different insurance products is different.

Hello, it depends on the type of product you insure, the coverage of different products is different, and it depends on the insurance contract.

What type of insurance do you have? If the coverage is comprehensive, it can be reimbursed.

Hello! Yes, you can read the Hello policy contract directly. Any expenses that can be reimbursed are indicated in the contract.

If you really don't understand, find the ** person around you. Or call 95511. Someone will contact you.

I wish you peace and happiness.

Hello friend, nice to meet you. It's better to ask your ** person specifically. Also, look specifically at the terms of the contract.