Sino US metropolitan insurance, do you think it s good?

Xueba talks about insurance, focusing on insurance product evaluation! In 2004, the Sino-US Luen Thai Metropolis officially opened in China, the main development cities in the first and second tiers, in China, what is the status of the largest life insurance company in the United States?"Inventory of the top 10 insurance companies in China".

In the 2018 ranking of world brands, Metropolis ranked 300th in its own right. But just looking at this ranking is not enough, I will analyze Metropolitan Insurance Company from solvency, word-of-mouth reputation, and product situation.

(1) Solvency

According to statistics, Methas settled more than 20,000 policies in November 2018. If you look at the list, you will know:"2020 Solvency Ranking List of the Most Complete Insurance Companies".

(2) Word-of-mouth reputation

In order to speed up the settlement of claims, MetLife Insurance has launched an automatic platform for micro-customer service, providing consumers with services such as insurance renewal, claims settlement and consultation, saving consumers a lot of time and receiving praise and recognition from many consumers.

(3) Product conditions

MetLife has Genuine Care Hospitalization Allowance Medical Insurance, Accident & Critical Illness Protection Plan, Healthy Lifetime Illness Insurance Plan, Self-driving Accident Insurance and other products.

The Healthy Life Whole Life Illness Insurance Plan was selected as the object of analysis

Pros:

Healthy Whole Life Illness Insurance Plan offers additional coverage up to age 65, age 75, age 85 and life, with a high degree of flexibility in terms of coverage period and type of coverage. The responsibilities of the product do not interfere with each other, and the additional liabilities will continue to be valid after the critical illness is claimed.

Deficiencies:

(1) Unreasonable classification of critical illnesses

Malignant tumors and liver and kidney related diseases are divided into the same group, there is no separate group, malignant tumors in this group, if the compensation is paid, the diseases in the same group as it will lose the opportunity to make claims, and the group is too small, the probability of getting multiple claims is greatly reduced.

(2) Repeated claims for mild illness are disappointing

Most of the minor illnesses of critical illness insurance on the market will not be grouped, and the interval is also set for the mild illness of health and care, and the interval is to reduce the probability of compensation for the second claim for cancer, which is very inconsiderate.

(3) **More expensive

Equipped with critical illness, mild illness, exemption and main insurance, 30-year-old women, paid in 30 years, the sum insured is 500,000, the annual premium that needs to be paid by Health is more than 11,000, and the annual premium of Health Life 2019 only needs to be paid more than 6,000 per year, which is almost half of Health Life, and the protection content of Health Life is not more than 2019"Comparison Table of 136 Popular Critical Illness Insurance in China".

After the comparison, you will find that the Healthy Life Life Illness Insurance Plan** is more expensive.

Summary: Metropolis is still quite powerful, with a very good solvency and reputation, but Metropolis's products are high, so the cost performance is not high, if you want to choose Metropolis's insurance, you must be prepared to spend more money.

Thanks for reading, hope!

Isn't this insurance company very good, this company is the company I handle insurance, and it's not bad.

Sino-US Metropolis is a formal insurance company. Whether the insurance company is good or not depends on whether the strength of the insurance company is strong, the service is not thoughtful, and the claim settlement is not fast. The details are as follows:

1. Sino-US MetLife Insurance **** was merged from the merger of two life insurance companies, Sino-US Metmet and Luen Thai Metropolitan, and the merger plan was approved by the China Insurance Regulatory Commission in March 2011, and was approved by the administrative department for industry and commerce on April 12 and officially renamed. The new company is legally registered in Shanghai and adopts the operation model of dual headquarters in Beijing and Shanghai. On April 19, Sino-US MetLife Insurance **** was officially established in Xinhai, Shanggaizhou.

2. With MetLife's rich experience in the insurance industry and Shanghai Lianhe Investment****'s deep understanding of the Chinese market, MetLife is committed to providing Chinese consumers with trustworthy and professional insurance solutions. MetLife provides life, health, accident and endowment insurance products to consumers in more than 20 cities across the country through multiple channels such as consultancy marketing, bancassurance, direct marketing and group insurance.

3. MetLife's original Luen Thai MetLife Insurance was formally established in Shanghai on August 10, 2005, with a registered capital of 500 million yuan (increased to 700 million yuan in 08 years), which was formed by Shanghai Lianhe Investment **** and a subsidiary of MetLife Group in the United States.

4. Shanghai Lianhe Investment and MetLife are also shareholders of Luen Thai MetLife, headquartered in Shanghai, so that the two companies of MetLife and MetLife are officially merged. The name of the new company after the merger is:"Sino-US MetLife Insurance****", abbreviation"MetLife"。

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

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"

As follows: Just for your question, not to mention anything else, I personally recommend choosing Pacific Life Insurance, which is in the first echelon, although CPIC's life insurance business has declined significantly and is in a stage of constant adjustment in recent years.

1.Word of mouth is better, this issue is more abstract, and there is no specific standard. Paying attention to claims is the common psychology of customers, and it is very understandable, but it should be explained that the follow-up service of the policy is very important, but it is definitely not only a claim, a claim may be settled, once in a lifetime, and many people can also handle the claim in person, which is a reality.

However, during the long contract period of the policy, daily maintenance is also crucial, and even affects the customer's later claims, the value of a policy is to see if it has a continuous and effective follow-up maintenance, if not, the value of the policy itself has depreciated. It is not the insurance company that carries out the maintenance of the policy, but, the ** person.

2.In this question, you are talking about two ways of dividends, paying off the increase and accumulating interest. This mainly depends on the actual needs of the customer and the actual planning effectiveness of the policy. Opinionated questions.

3.For the exemption clause you said in the draft, please be cautious, to check the official text, the exemption clause basically belongs to the industry regulations or belongs to the unified regulations of the Insurance Regulatory Commission, such as drunk driving and driving without a license are illegal acts, do you think such provisions are reasonable? Contrary to common sense, not to mention the attitude of the court in actual cases, if the insurance company pays compensation, it is tantamount to encouraging and supporting people to break the law, and then disregard for life.

4.This is a misunderstanding, we are in the country, do not be misled by this propaganda. Based on my experience, I tell all customers to choose the products of the first echelon companies in China.

I don't elaborate on the reason, the people in the province scolded me, the metropolitan company, after several twists and turns, shareholders changed, and the name was changed several times, do you think it is safe? A well-known insurance company, which claims to be the largest in the whole year, needs to sell its Asian subsidiary to repay its debts during the economic crisis, do you think it is insured? These are systemic risks, and since you have chosen insurance, please try to be more insured.

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