What are the benefits of United Life Annuity Insurance?

Many people have doubts about the company and don't know if it's reliable. So I'll give you an article about United Life first, if you are interested in it, you can take a look:Is United Life a lie?

Is the company large? 》

Next, I will analyze the specific situation of this company:

One. Comprehensive

Founded in 2005, United Life Insurance is a national, joint-stock life insurance company. The registered capital is up to 100 million yuan; Provide customers with comprehensive services covering insurance, asset management, pension and other fields.

Two. Solvency

Solvency refers to the ability of the insurance company to fulfill the liability of compensation or payment, and only when an insurance company has sufficient solvency can it have enough funds to pay the insurance money in the event of a claim, and the customer's various protection interests can have a realistic basis for realization. In general, when looking at a company, solvency is something you need to consider.

The China Banking and Insurance Regulatory Commission (CBIRC) has set two indicators to measure solvency: the core solvency adequacy ratio (not less than 50%) and the comprehensive solvency adequacy ratio (not less than 100%). As shown in the figure, the annual solvency situation of United Life in 2019:

In the chart, we can understand that United Life's core solvency adequacy ratio and comprehensive solvency adequacy ratio are above the average line, and the comprehensive risk rating of United Life is B, overall, United Life's solvency is still okay; If you want to know how high its solvency is in the country, you can take a look at this article on the solvency ranking of domestic insurance companies:Freshly baked! The solvency ranking of the most complete insurance companies

Three. Ability to settle claims

In the insurance business, claims settlement is a relatively important link, and the follow-up service quality is related to the direct interests of each customer. Even if the product is good, if there is no good after-sales service, I hope you will think twice before deciding; In 2019, the average claim payment period in the handling of small claims was days, and the odds for small claims were as follows; To sum up, United Life's ability to settle claims can also be trusted.

Four. Insurance Product Introduction

United Life Insurance is mainly engaged in life insurance, health insurance, accident insurance and other types of life insurance business, the following insurance products are more popular in United Life:

You know, you can't choose to buy because the product is a big seller, for the evaluation of United Life's popular products, I have also compiled a related article, let's see how to think about whether to start:"Daily Analysis |What about United Life's popular products? Is it worth buying?

Hope!

The annuity insurance of United Life Insurance mainly includes: United Fuxi Life Annuity Insurance, United Wisdom Yingjia Annuity Insurance, United Xi Ying Annuity Insurance, and United Welfare Happiness Golden Life Annuity Insurance.

Hezhong Comprehensive Accident Insurance Plan, Happy Life Protection Plan, Hezhong Yongfu 100 Annuity Insurance (Participating Ludong), Hezhong Auspicious Life Insurance (Participating), Happy Life Protection Plan, Hezhong Companion Li Ku Ai Bao Health Insurance (Participating), Hezhong Pension Regular Investment Annuity Insurance (Participating);

Hezhong Jufu Regular Investment Insurance (Participating), Hezhong Anxin Bao Insurance Disturbance (Participating), Hezhong Happy Life Whole Life Insurance (Participating), Hezhong Wealth Annual Annuity Insurance (Participating), Hezhong Stable Win Life Insurance (Participating), Hezhong Younian Pension Regular Investment Insurance (Participating), Hezhong Supreme Insurance.

United Life Insurance is a comprehensive life insurance company approved by the China Insurance Regulatory Commission. The nature of the enterprise is a national, joint-stock life insurance company. It is mainly engaged in all types of life insurance, providing individual products, bancassurance and group products, among which the types of insurance include health insurance, accident insurance, annuity insurance and life insurance, and the types are relatively complete.

If you are the breadwinner of your family and have not yet purchased insurance, it is recommended that you purchase critical illness insurance, medical insurance, accident insurance, and life insurance.

The more popular critical illness insurance under United Life Insurance includes Happiness + Whole Life Critical Illness Insurance (Type B), Hezhong Prosperous Happiness Lifetime Critical Illness Insurance, and Hejia Joy Whole Life Critical Illness Insurance, etc., but the popularity of the product does not mean that it is necessarily excellent, depending on the content of the protection. The senior sister will take the whole life critical illness insurance as an example to briefly introduce it. Hezhong Family Joy Whole Life Critical Illness Insurance This product has a wide range of insurance ages, complete protection for mild and moderate illnesses and critical illnesses, and a waiting period of 90 days, but the proportion of compensation for moderate illness is not high, and there is no secondary compensation for malignant tumors

Is Whole Life Critical Illness Insurance worth looking forward to? A must-see before you buy!

In fact, the insurance company is not the most important factor when buying insurance, as long as it is a regular insurance company, under the supervision of the China Banking and Insurance Regulatory Commission, it is reliable. We apply for insurance products, as long as we meet the conditions for claims, we don't have to worry about the occurrence of things that cannot be claimed. When buying insurance, we mainly look at the content of the insurance.

Different types of insurance have different contents, such as critical illness insurance, pay attention to see whether the protection for mild to moderate illness is complete. Generally, a good critical illness insurance not only has complete protection for mild and moderate illnesses, but also multiple claims and additional claims for high-incidence diseases, and some will also provide optional benefits such as death benefits and premium waivers, so the protection is relatively comprehensive. If you have friends who need to buy critical illness insurance, you can take a look at this list:

Top 10 Popular Critical Illness Insurance Points Worth Buying! Hope!

There are many life insurance products, and the product categories are divided into: individual products, bancassurance, group products, direct sales, and insurance. Among them, the personal product category includes the following:

The first is accident insurance, which represents the product of Hezhong Love Travel Insurance (2018), the age of the insured: 18-60 years old, and the protection period: 20 years and 30 years; The second is health insurance, which means that the product has the United Love Baby (2021) insurance plan, which is brightly insured by the age of the insurer:

28 days - 17 years old, insurance period: 20 years, 30 years, etc.; The third type of annuity insurance, on behalf of the product, is a good year of immediate pension insurance, the age of the female insured: 55-80 years old, the age of the male insured:

60-80 years old, etc.; The fourth type of life insurance, the representative product is Hezhong Inheritance Elite Enhanced Whole Life Insurance, the insurance age: 28 days old to 65 years old, the protection period: lifelong.

The bancassurance category includes the first life insurance product, which is represented by Hezhong Fumantang Whole Life Insurance, with an insurance age: 28 days old from birth to 65 years old, and an insurance period: for life.

The second two-year full insurance product, the representative product is Hezhong Jinyu No. 5 Comprehensive Insurance (universal type), the insurance age: 28 days old - 65 years old, the protection period: 5 years.

The second type of health insurance product represents the specific malignant tumor disease insurance of New Love Worry-free, the insurance age: 28 days to 60 years old, and the protection period: life.

**The first health insurance product is included in the direct sales category, which represents the whole life critical illness insurance of Hezhong Family Enjoyment, the policy age: 28 days old - 65 years old, the insurance period: lifelong; The second type of accident insurance product represents the product of Hezhong Family Comfort Insurance (Premium Edition), and the issue age:

18-55 years old, payment period: 5 years, 10 years, 20 years; The third annuity insurance product, the representative product is the United Covenant Pension Insurance, the insurance age: 28 days old - 74 years old, payment period:

Lump sum 3 5 10 15 20 years; The fourth type of life insurance product, the representative product is Hezhong Inheritance Elite Enhanced Whole Life Insurance, the insurance age: 28 days after birth to 65 years old, the protection period: life.

The first accident insurance product is included in the group product category, which represents the accident injury insurance of the group vehicle, the insurance age: 16-70 years old, the insurance period: up to one year; The second type of life insurance product, on behalf of the product, is a one-year term life insurance for United Groups, and the issue age:

16 years old - 65 years old, insurance period: one year; The third type of group plan represents the application age of the United Employer Worry-Free Troubled Protection Plan: 18-60 years old, and the policy can be renewed up to 65 years old.

The above are several categories of United Life insurance products, which can be purchased according to your own needs, and you can go to the official website of United Life to view the specific details of various products.

United Life's insurance is divided into individual products, bancassurance, and group products, which can be found in the product center on the official website of United Life.

Personal products are mainly related to accident insurance, health insurance, annuity insurance and life insurance; Bancassurance is divided into life insurance products and both-insurance products; Group products include accident insurance products, life insurance products and group plans.

However, there is no absolute saying which insurance product is best, and the purchase of insurance still depends on the actual needs of the individual and considers it in combination with their actual situation.

Generally speaking, if an individual wants to purchase an insurance product, it is recommended to give priority to critical illness insurance.

Because the incidence of critical illness has been rising in recent years, and once you unfortunately suffer from a critical illness, the medical expenses can be as low as hundreds of thousands or tens of millions, which is a heavy blow to ordinary families.

However, after having critical illness insurance, if you are insured and meet the conditions for claims, you can get a lump sum insurance payment, which can greatly help the patient's family reduce the pressure.

If you want to know how to choose critical illness insurance, you can take a look at the following article: Good critical illness insurance looks like this! You've been lied to for so many years.

This critical illness insurance is a critical illness insurance under Tongfang Global Life, which can provide lifelong protection, with a maximum of 180% of the basic sum assured for critical illness, and the compensation ratio for mild and moderate illnesses is also relatively good, and it shares 5 claims for greater flexibility.

If you want to know more about this product, you can take a look at the senior sister to do a detailed evaluation: Versailles plus critical illness insurance is back, and the in-depth evaluation must be seen before buying!

There are many products of United Life Insurance, including individual products, banking products, group products, etc., and I recommend individual products and accident insurance products.

United Life Insurance Company is more reliable, and next, the senior sister will introduce it to you.

Before entering the main text, insurance novices may wish to collect this strategy for analyzing insurance companies:When we look at insurance companies, what exactly do we look at?

United Life Insurance was established in 2005 with a registered capital of RMB 428277 million.

Today, United Life has developed into a national insurance company with nearly 60,000 internal and external employees, 27 provincial branches, more than 600 branches, and total assets of nearly 150 billion yuan.

In addition, it is worth mentioning that in terms of claims that many consumers are concerned about, United Life has established a "customer-centric" customer service system, and launched a "two commitments, four innovative claims, eight services" Hexin claims service system, so that customers can get a better claim experience, which is quite intimate.

ta!

Then, the senior sister will take you to see the solvency of United Life, which can measure whether an insurance company has enough money to pay.

According to the solvency report for the third quarter of 2022 disclosed on the official website, the core solvency adequacy ratio is the comprehensive solvency adequacy ratio, and the latest comprehensive risk rating is C.

In addition to the comprehensive risk rating, all of them meet the requirements of the China Banking and Insurance Regulatory Commission.

However, you don't have to worry too much, under the strict supervision of the China Banking and Insurance Regulatory Commission, it will soon return to normal.

If you still feel that United Life is unreliable, you may wish to take a look at this detailed introduction:United LifeHow,What products are available,Which is good,In-depth analysis! Hope!

United Life Insurance is pretty good.

The shareholders of United Life Insurance are composed of well-known enterprises at home and abroad, such as Zhongfa Industrial Group, Orisheng Life Insurance Co., Ltd. of Italy, and Sun Life Insurance Co., Ltd. of Japan.

With the essence of traditional Chinese thought, "harmony" culture as the cornerstone of its corporate philosophy, and the core value concept of "harmony with the interests of all parties to achieve win-win and common good", United Life advocates a simple, harmonious and shared corporate culture.

The "Hehe" culture uses the concept of harmony between man and nature to resolve the risks in the world, uses today's accumulation of goodness to cope with tomorrow's changes, and finally achieves the perfect realm of harmonious symbiosis, harmonious work, harmony and common prosperity, and "division and prosperity" through the joint efforts of tens of thousands of employees of United Life.

Products and services: Since its establishment, United Life has gradually established a complete and standardized governance structure and decision-making mechanism, effectively realizing the separation of ownership and management rights, and laying a good foundation for the company's rapid development, efficient growth and scientific and democratic decision-making.

United Life has set up various professional committees such as compliance, insurance, products, investment, and risk management, and established a systematic management meeting system and communication system. Through a good corporate culture and a sound management system, the company has gradually formed a good situation of "democracy, harmony, smoothness, equality, openness and inclusiveness".